Business without borders.
Rapid payments. Premium service.
Securely send and receive high-value transfers in USD, EUR, GBP, AED and 61+ other currencies. Enjoy fair FX rates, local IBANs, no transaction limits, and dedicated client support.
3S Money is a licensed EMI and fully regulated in United Kingdom, Luxembourg, Dubai (DIFC)
Protected
Your funds are held in accounts of our partner banks meaning it’s fully protected.
Safeguarded accounts
We never loan or invest your money meaning it’s always 100% liquid.
Secure access
Multi-level authentication for all your personal information, including two-factor authentication for added security.
Built on a bank-grade platform
We have direct SWIFT and FX connectivity with banks. Meaning we offer payments, FX and safeguarding of funds.
Our partner banks:
Barclays
Banking Circle
Crown Agents Bank
Raiffeisen Bank International
3S Money was born with a mission:
wherever you're from and wherever you do business - get equal access to financial services.
If you don't have the right passport, businesses worldwide are shut out of the system.
We fixed it.
Now we have...
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7 global offices
Your local market experts with expertise in global payment routes.
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Clients in 67 countries
We service 1000s of clients all over the world across 54 industries.
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Customer service in 12 languages
We speak in your language and we understand your business.
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Find the right plan for your needs
Starter
€25
/ monthly
Plan includes:
Customer service in 12 languages
Access to SWIFT, SEPA and Faster Payments networks
Local IBANs in the UK, NL and LUX
A personal Relationship Manager
Standard
€100
/ monthly
Plan includes:
All Starter account features
Average savings of 34% on transaction fees compared to the Starter plan.
2 account users and a personal Relationship Manager
Enterprise
Most popular
€300
/ monthly
Plan includes:
All Starter & Standard account features
Average savings of 53% on transaction fees compared to the Starter plan.
5 account users and a personal Relationship Manager
Our FX rates are subject to market rates and our banking partners. However, the more you convert, the cheaper your rate becomes. If you have a specific need contact us.
Frequently asked questions
Is 3S Money a bank?
3S Money is not a bank. 3S Money is an Electronic Money Institution that provides multi-currency international business accounts as well as foreign exchange solutions. By combining innovative financial technology with private banking standards, we offer businesses the payment services they need to expand into new markets.
We are licenced and regulated by the Luxembourg Commission de Surveillance du Secteur Financier (CSSF), the UK’s Financial Conduct Authority (FCA), and Dubai’s Financial Services Authority (DFSA) in the Dubai International Financial Centre (DIFC).
How do I open a 3S Money account?
Opening an account with 3S Money couldn’t be easier. We only need a few details about you, your business, and your international payment needs. Simply complete our application form, and our team will take care of the rest.
What type of business does 3S Money accept?
3S Money welcomes businesses from around the world and supports entrepreneurs in industries that traditional banks might ignore.
The list of industries we can support includes but isn’t exclusive to:
Agriculture, farming and forestry
Art, antiques and luxury goods
Commodities
Computers and communication equipment
Construction
Energy and utilities
Food, beverages and tobacco
Health & beauty
Household and consumer goods
IT, software development and maintenance
Machinery and metal products
Medical
Motor vehicles
Print and media
Sports and gaming
Textile, clothing and footwear
Transport and logistics
Check out our full eligibility criteria.
Can I upgrade my 3S Money account?
You can switch between plans easily and only pay for what you need with assistance from your Relationship Manager.
Can 3S Money provide customer support in different languages?
As a global business, we use English as a first language for all written communications. However, with dedicated Relationship Managers across seven global offices - we aim to provide local language support where possible.
How do I contact 3S Money?
The quickest way to get in touch is by sending us a message through our Contact Us page or by calling your local 3S Money office to speak to our team directly.
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About 3S Money
Headquarters address
© 3S Money Club Limited 2019-2024. All rights reserved. 3S Money and 3s.money are trading names of 3S Money Club Limited. 3S Money Club Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for issuing of electronic money and the provision of payment services with FCA registration number 900918. 3S Money Club Limited is registered in England and Wales, Company Number 8574246, with its registered office address at 45 Folgate Street, London, E1 6GL, United Kingdom. 3S Money Club Limited is registered with The United Kingdom Information Commissioner's Office with ICO registration number ZA495485. 3S Money Club Limited (DIFC Branch) is regulated by the Dubai Financial Services Authority (DFSA) with DFSA reference number F007004, authorising it under Article 48 of the Regulatory Law 2004 to carry on the Financial Services comprised in Issuing Payment Instruments and Providing or Operating a Payment Account. 3S Money Club Limited (DIFC Branch) is registered in Dubai International Financial Centre, Licence Number CL5587, with its registered office address at Central Park Towers, Office 17-37, DIFC, Dubai, UAE. 3S Money (Luxembourg) S.A. is authorised by the Commission de Surveillance du Secteur Financier (CSSF) under the law of 10 November 2009 on payment services for issuing, distribution and refund of electronic money with CSSF registration number W00000016. 3S Money (Luxembourg) S.A. is registered in Luxembourg, R.C.S number B245715, with its registered office address at 25C, Boulevard Royal, L- 2449, Luxembourg, Grand Duchy of Luxembourg