Global business payments,
powered by people


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 (FCA), Luxembourg (CSSF), United Arab Emirates (DFSA) & Hong Kong (CED)



Safe and secure solution for your payments


Security is our highest priority


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Protected

Your funds are held in accounts of our partner banks meaning it’s fully protected.

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Safeguarded accounts

We never loan or invest your money meaning it’s always 100% liquid.

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Secure access

Multi-level authentication for all your personal information, including two-factor authentication for added security.

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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

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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6 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.



Build a genuine partnership with your

Relationship Manager


No more call queues and no robots. Enjoy working with your personal Relationship Manager, who acts like your invested business partner to navigate payment routes worldwide.



Trusted by businesses

across the world


Learn about how using 3S Money has transformed the financial operations for businesses globally.


E-commerce

Corporate & Fund Administrators

IT & Technology

Construction

Travel & Logistics

Import & Export




More successful stories from our clients on Trustpilot



Choose a Global or UAE (DIFC) business account and select the plan that fits your business needs, tailored to your preferences.


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Global

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UAE (DIFC)

What is the difference?

Our DIFC accounts are designed to support local UAE payment needs of our international clients in the MENA region, whilst also meeting the regulatory requirements of our DIFC licence.

Standard

For businesses with up to 5 owners incorporated in the UK, EU, or UAE. Eligibility subject to status.

€100

/ monthly



Local GB, LU and NL IBANS

Access to SWIFT, SEPA and Faster Payments networks

Multi-level and two-factor authentication

Accounting integrations i.e Xero and Kyriba

A dedicated Relationship Manager

Up to 2 account users

Suitable for...

UK and EU-based businesses with up to 5 beneficiary owners and monthly transaction volumes below €100K.

Fees of popular transactions*

  • UK Faster Pay • £2

  • EUR SEPA • €2

  • Payments to UAE • 0.30%

  • Payments to China • 0.60%

  • Receive from EU, UK, US and UAE • 0%


  • *Based on selected plan a fixed cost could be applicable, please view our fees plan for more information

    Enterprise

    For businesses with up to 5 owners incorporated in the UK, EU, or UAE. Eligibility subject to status.

    Popular


    €300

    / monthly



    All Standard features

    plus

    Save up to 50% on transaction fees

    Complex business structures accepted

    Custom API integrations

    Negotiable transaction fees

    Up to 5 account users

    Suitable for...

    importers/exporters, wholesalers, real-estate managers, and businesses with global monthly transaction volumes below €10M.

    Fees of popular transactions*

  • UK Faster Pay • £1

  • EUR SEPA • €1

  • Payments to UAE • 0.15%

  • Payments to China • 0.45%

  • Receive from EU, UK, US and UAE • 0%


  • *Based on selected plan a fixed cost could be applicable, please view our fees plan for more information

    Enterprise Plus

    For large businesses with specialised demands and/or very complex international structures. Eligibility subject to status.

    Bespoke

    / monthly



    All Enterprise features

    plus

    Save up to 70% on transaction fees

    Highly complex business structures accepted

    Specialised payment solutions

    Reduced FX rates on hard currency pairs

    Up to 10 account users

    Suitable for...

    holding companies, asset managers, financial institutions, private aviation and businesses with monthly transactions above €10M.

    Fees of popular transactions*

  • UK Faster Pay • €1

  • EUR SEPA • €1

  • Payments to UAE • 0.10%

  • Payments to China • 0.25%

  • Receive from EU, UK, US and UAE • 0%


  • *Based on selected plan a fixed cost could be applicable, please view our fees plan for more information

    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.


    Ready to discuss your global payment needs?

    Let’s get started


    Apply online to get started




    Frequently asked questions