Global payments guide

Your guide to making cross-border payments in over 190 countries and 65+ currencies.

Frequently asked questions

Is 3S Money a bank?

3S Money is a bank challenger, rather than a traditional bank – we don’t have a banking licence. Instead, we’re an Electronic Money Institution that’s 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).

What countries and territories can I send and receive payments from?

3S Money enables secure online multi-currency transactions in over 190 countries worldwide across Europe, the Americas, Africa, Asia, the Middle East, Oceania, and the Caribbean.

See our complete country list here.

Which currencies can I exchange with 3S Money?

With our bank-beating FX rates and instant currency exchange, you can hold up to 65 currencies, including USD, EUR, GBP, CNY, AED, INR and more.

Check out our full list of currencies here.

How much does 3S Money charge for currency exchange?

Any applied rate will depend on the type and amount of currency being traded. We provide flexible, competitive, and transparent exchange rates to help you maximise your margins on every transfer.

Read our full Fees and Pricing.

Is there a limit to how much I can exchange with 3S Money?

No, there's no limit on the value or amount of funds you can exchange. You can access live 24/7 rates and process real-time conversions in 65+ currencies with instant settlement, all within our Client Portal.

Can I exchange currencies and make payments during the weekend?

Payments and currency exchange are available 365 days a year through our Client Portal. However, we only process transfers during standard banking hours. Transfers made on weekends or public holidays will be processed on the next available working day.

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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© 3S Money Club Limited 2019-2024. All rights reserved. 3S Money and 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 20-54, 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