Business without borders.
Rapid payments. Premium service.


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, Luxembourg, Dubai (DIFC)



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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7 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 account

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UAE (DIFC) account

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.

Starter

For businesses with one direct beneficiary owner, incorporated in the UK or EU* and with substance in the country of incorporation. Subject to industry. *Excluding Cyprus & Malta.

€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

A personal Relationship Manager


Standard

For businesses with up to 5 direct beneficiary owners, incorporated in the UK, EU or UAE with substance in the country of incorporation. Subject to industry.

€100

/ monthly



Plan includes:

All Starter features

Average savings of 34% on transaction fees compared to the Starter plan.

2 account users and a personal Relationship Manager


Enterprise

For businesses with complex structures based in any accepted jurisdiction. Subject to industry.

Most popular


€300

/ monthly



Plan includes:

All Starter & Standard features

Average savings of 53% on transaction fees compared to the Starter plan.

5 account users and a personal Relationship Manager


Enterprise Plus

For large businesses with specialised demands and/or very complex international structures. 

Bespoke

/ monthly



Plan includes:

All account features

Average savings of 71% on transaction fees compared to the Starter plan.

10 account users and a personal Relationship Manager



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