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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)
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
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.
Trusted by businesses
across the world
Learn about how using 3S Money has transformed the financial operations for businesses globally.
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.
Global
UAE (DIFC)
What is the difference?
Standard
€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
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
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.
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Industries
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About 3S Money
Headquarters address
© 3S Money Club Limited 2019-2025. 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