3S Money – 
Digital Merchant Banking

UK account and multi-currency IBANs to send and receive high-value business payments

Trade without borders

3S Money is an online banking service focusing on international trade. Pay anywhere in the world – below is a full list of supported currencies: 


Trade with
emerging markets


Money Transfers for International Corporates: traders, holdings and financial institutions

Same-day payments in the UK, Europe, Russia, China and EMEA

Collect, pay and exchange GBP, EUR, USD and 30+ other currencies

Modern banking 
in the City of London

We’re one of the select group of businesses located at Barclay’s Rise, the “home of FinTech”, in the heart of the London FinTech cluster and just a short walk from the City’s financial district.

Our head offices are located at 
41 Luke Street, London EC2 4DP. 

All our clients’ funds are safeguarded in segregated accounts with top-tier banks. We maintain 100% liquidity.
3S Money is an authorised electronic money institution regulated by the United Kingdom’s Financial Conduct Authority

Join us

We work with entrepreneurs with global ambition and a proven track record in their industry. An enhanced due diligence assessment applies to all candidates and includes an examination of the company’s business model and main counterparties. A face-to-face interview is a fundamental part of the welcoming and onboarding process.  

and exporters

service providers



Merchants paying and collecting globally, with a particular emphasis on ‘emerging markets’

IT developers, digital advertisers, marketplaces

Holdings, providing liquidity and acquiring interest and gains from their international assets

Asset managers, making investments and distributing profits

No chatbots, only humans

Talk to us. A dedicated personal manager is assigned to every 3S Money client. That means there’s always someone who understands the nature of your transactions and your payments don’t get stuck. You will never walk alone. 

No robots or chatbots, only human support. Personal manager.


Recently we asked our community members to take part in some research to help us figure out how people feel about and cope with the payments process. Through the latest LinkedIn feature, we created a poll with four options: compliance, payment limitations, chatbots and user-unfriendly platforms. The opinion poll lasted for a week and then we counted the votes and compiled the results:
Local Dutch IBANs are now available for our clients – 3S Money's business customers can accept and send out payments using local NL account number. They will benefit from a full range of foreign currencies including USD, CNY, RUB and SGD. Our CTO, Eugene Dugaev, hints some details on this update:
In no time at all, the whole business world has changed. Our usual routines have been transformed and we have a fundamentally new way of dealing with everyday tasks. Digitisation is prevalent in the vast majority of industries, and Fintech is no exception. But now it’s a necessity, rather than a preference. When the Prime Minister announced on 23rd March that the country was going into lockdown, for UK-based companies this meant a move towards remote-working.

Basic fee schedule

Collections are free

Because this is a business account, which requires ongoing transaction monitoring and controls we charge a monthly fee and a fixed payment fee, that is not linked to a payment amount.

Monthly fee from
Pounds £ 65
Flat fees for any size pay-outs
Euro 1.0
Pounds £ 0.6
International 50

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