Open an online business account in Luxembourg
Send and receive high-value business payments in Luxembourg as a non-resident with a local LUX IBAN.
65+ Currencies · Dedicated Relationship Manager · CSSF regulated · Foreign owners accepted
3S Money is a licensed EMI and fully regulated in United Kingdom, Luxembourg, Dubai (DIFC)
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Why choose 3S Money
A European IBAN in your company name
Bank locally in 36+ European countries and make same-day unlimited SEPA credit transfers. Boost your credibility with European partners, suppliers and staff by managing payments in Euros.
Access local business banking services
Supported by a dedicated Relationship Manager, you can deposit share capital, generate blocking certificates and access European business banking services as a non-EU resident.
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Marta Smirnova
Client Relationship Management, 3S Money
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TrustScore: 4.4 | Based on 700+ reviews
Real clients.
Incredible stories.
DE
DEE
2 reviews
GB
I managed to open my business account
I managed to open my business account and it was all thanks to Eliezer, thank you so much Eliezer for making the process quick and easy, I would recommend his services to anybody interested...thank you!!
MI
Michitaka
1 reviews
JP
Eliezer kindly advised by timely manner to slve my troouble.
Eliezer kindly advised by timely manner how to reinstall Duo mobile apps as I recently bought new iphone and did not work for approval process via Duo mobile. It was solved finally by Eliezer's support.
DM
David Macdonald
3 reviews
TH
Best Customer Service and Support
3S Money has the best service of providing Multi-Currency accounts for our business. And our Customer account manager, Lawrence Mante is very helpful, always support and provides his best service. Thank you for your hard work and dedication.
MM
Marina M
1 reviews
GB
3s Money tailors their services to clients
3s Money tailors their services to each client's needs. We have been with 3s Money for about 6 months and I would highly recommend them. Jack, our senior client account manager at 3 Money, is exceptional. He is highly dedicated to serving his clients, has excellent communication skills and pays close attention to details. It has been a pleasure to work with Jack.
TS
Thomas Soyemi
1 reviews
GB
Recently had my account locked out off…
Recently had my account locked out off and spoke to Eliezer, my Account Manager. He was able to get me back on within about 3 minutes! Very friendly and comfortable service from him!
HN
Hristina Nikova
7 reviews
GB
Thanks to Marta Smirnova
I want to express my gratitude to the employee Marta Smirnova i 3 S Money, for her exceptional professionalism, responsibility and willingness to help in difficult situations. Maria Gerdzhikova accountant of D&P Multiservice 3 S Money Bank Customer
DE
DEE
2 reviews
GB
I managed to open my business account
I managed to open my business account and it was all thanks to Eliezer, thank you so much Eliezer for making the process quick and easy, I would recommend his services to anybody interested...thank you!!
MI
Michitaka
1 reviews
JP
Eliezer kindly advised by timely manner to slve my troouble.
Eliezer kindly advised by timely manner how to reinstall Duo mobile apps as I recently bought new iphone and did not work for approval process via Duo mobile. It was solved finally by Eliezer's support.
DM
David Macdonald
3 reviews
TH
Best Customer Service and Support
3S Money has the best service of providing Multi-Currency accounts for our business. And our Customer account manager, Lawrence Mante is very helpful, always support and provides his best service. Thank you for your hard work and dedication.
MM
Marina M
1 reviews
GB
3s Money tailors their services to clients
3s Money tailors their services to each client's needs. We have been with 3s Money for about 6 months and I would highly recommend them. Jack, our senior client account manager at 3 Money, is exceptional. He is highly dedicated to serving his clients, has excellent communication skills and pays close attention to details. It has been a pleasure to work with Jack.
TS
Thomas Soyemi
1 reviews
GB
Recently had my account locked out off…
Recently had my account locked out off and spoke to Eliezer, my Account Manager. He was able to get me back on within about 3 minutes! Very friendly and comfortable service from him!
HN
Hristina Nikova
7 reviews
GB
Thanks to Marta Smirnova
I want to express my gratitude to the employee Marta Smirnova i 3 S Money, for her exceptional professionalism, responsibility and willingness to help in difficult situations. Maria Gerdzhikova accountant of D&P Multiservice 3 S Money Bank Customer
3S Money is a licensed EMI and fully regulated in United Kingdom, Luxembourg, Dubai (DIFC)
Luxembourg banking solutions for every business
We help foreign directors and shareholders worldwide access EU financial services on their terms. 3S Money can support your payment goals wherever you're from or do business.
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
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
Enterprise Plus
Bespoke
/ monthly
Plan includes:
All Enterprise account features
Average savings of 71% on transaction fees compared to the Starter plan.
API integrations
10 account users and a personal Relationship Manager
More account features for
borderless business
With our innovative business accounts, companies of all sizes can easily manage their international payment needs.
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APIs
Automate your cash flow with our API built for your systems. Top-tier encryption and multi-layered security measures
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Multi-currency IBAN accounts
Bank like a local worldwide and scale your international business payments on your terms.
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Foreign exchange
Collect and pay in 65+ currencies with fair rates. Secure contracts directly in local currencies.
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"3S Money is an excellent fintech solution suitable for IT companies. Now we have a reliable banking provider, we can focus on our goals with confidence.”
KODE Representative
Frequently asked questions
Is 3S Money a bank?
3S Money is not a bank. We are 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).
Who is eligible for a 3S Money account in Luxembourg?
You can open a 3S Money account from anywhere in the world and you don't need to be a resident of Luxembourg or EEA. We work with welcome shareholders and directors from over 190 countries.
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.
How do I apply for 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.
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.
What is share capital?
Share capital is the agreed form of money or assets a business must deposit when incorporating a business in Luxembourg. It represents the shareholders' contributions, and the value depends on the business type and operational industry.
What is a blocking certificate?
A blocking certificate confirms that the agreed amount of share capital has been paid out and deposited into a respective account. If you require a blocking certificate, your dedicated Relationship Manager will manage the process with your legal notary.
Products
Industries
Help and Support
Partnerships
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