Your multi-currency business account


Online multi-currency business accounts tailored to your needs


65+ currencies

190+ countries

Fair FX rates

Dedicated Relationship Managers

Non-residents accepted

Local IBANs




Future-proof operations

with features built for international business


Why is 3S Money better than the rest? Explained by Relationship Managers Zak, Amel, Daniel and Sheku.


Why 3S Money?


Why use 3S Money


1

Easily exchange in multiple currencies

Hold and exchange 65+ currencies including USD, EUR, GBP, & AED with fair exchange rates, instant settlements and global payment protection.

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2

Quickly pay and get paid

Make unlimited international business payments via SWIFT, SEPA and Faster Payments with multi-currency payments accounts and local IBANs registered in your company name, with no payment delays. 


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3

Human client support

No chatbots, no hold music, no automated emails. Receive one-to-one support from a dedicated Relationship Manager committed to helping your business grow.

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Sisia Magaya

Sales Development Team Lead



TrustScore: 4.4 | Based on 700+ reviews


Real clients.

Incredible stories.


DE

DEE

2 reviews

GB

I managed to open my business account

I managed to open my business account and it was all thanks to Eliezer, thank you so much Eliezer for making the process quick and easy, I would recommend his services to anybody interested...thank you!!

MI

Michitaka

1 reviews

JP

Eliezer kindly advised by timely manner to slve my troouble.

Eliezer kindly advised by timely manner how to reinstall Duo mobile apps as I recently bought new iphone and did not work for approval process via Duo mobile. It was solved finally by Eliezer's support.

DM

David Macdonald

3 reviews

TH

Best Customer Service and Support

3S Money has the best service of providing Multi-Currency accounts for our business. And our Customer account manager, Lawrence Mante is very helpful, always support and provides his best service. Thank you for your hard work and dedication.

MM

Marina M

1 reviews

GB

3s Money tailors their services to clients

3s Money tailors their services to each client's needs. We have been with 3s Money for about 6 months and I would highly recommend them. Jack, our senior client account manager at 3 Money, is exceptional. He is highly dedicated to serving his clients, has excellent communication skills and pays close attention to details. It has been a pleasure to work with Jack.

TS

Thomas Soyemi

1 reviews

GB

Recently had my account locked out off…

Recently had my account locked out off and spoke to Eliezer, my Account Manager. He was able to get me back on within about 3 minutes! Very friendly and comfortable service from him!

HN

Hristina Nikova

7 reviews

GB

Thanks to Marta Smirnova

I want to express my gratitude to the employee Marta Smirnova i 3 S Money, for her exceptional professionalism, responsibility and willingness to help in difficult situations. Maria Gerdzhikova accountant of D&P Multiservice 3 S Money Bank Customer

DE

DEE

2 reviews

GB

I managed to open my business account

I managed to open my business account and it was all thanks to Eliezer, thank you so much Eliezer for making the process quick and easy, I would recommend his services to anybody interested...thank you!!

MI

Michitaka

1 reviews

JP

Eliezer kindly advised by timely manner to slve my troouble.

Eliezer kindly advised by timely manner how to reinstall Duo mobile apps as I recently bought new iphone and did not work for approval process via Duo mobile. It was solved finally by Eliezer's support.

DM

David Macdonald

3 reviews

TH

Best Customer Service and Support

3S Money has the best service of providing Multi-Currency accounts for our business. And our Customer account manager, Lawrence Mante is very helpful, always support and provides his best service. Thank you for your hard work and dedication.

MM

Marina M

1 reviews

GB

3s Money tailors their services to clients

3s Money tailors their services to each client's needs. We have been with 3s Money for about 6 months and I would highly recommend them. Jack, our senior client account manager at 3 Money, is exceptional. He is highly dedicated to serving his clients, has excellent communication skills and pays close attention to details. It has been a pleasure to work with Jack.

TS

Thomas Soyemi

1 reviews

GB

Recently had my account locked out off…

Recently had my account locked out off and spoke to Eliezer, my Account Manager. He was able to get me back on within about 3 minutes! Very friendly and comfortable service from him!

HN

Hristina Nikova

7 reviews

GB

Thanks to Marta Smirnova

I want to express my gratitude to the employee Marta Smirnova i 3 S Money, for her exceptional professionalism, responsibility and willingness to help in difficult situations. Maria Gerdzhikova accountant of D&P Multiservice 3 S Money Bank Customer



3S Money is a licensed EMI and fully regulated in United Kingdom, Luxembourg, Dubai (DIFC)


Market-leading

global coverage


Learn more about the countries and currencies we cover.



Frequently asked questions


Is 3S Money a bank?

3S Money is not a bank. 3S Money is an Electronic Money Institution that provides multi-currency international business accounts as well as foreign exchange solutions. By combining innovative financial technology with private banking standards, we offer businesses the payment services they need to expand into new markets.

We are licenced and 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) in the Dubai International Financial Centre (DIFC).

How do I open a 3S Money account?

Opening an account with 3S Money couldn’t be easier. We only need a few details about you, your business, and your international payment needs. Simply complete our application form, and our team will take care of the rest.

What type of business does 3S Money accept?

3S Money welcomes businesses from around the world and supports entrepreneurs in industries that traditional banks might ignore.

The list of industries we can support includes but isn’t exclusive to:

  • Agriculture, farming and forestry

  • Art, antiques and luxury goods

  • Commodities

  • Computers and communication equipment

  • Construction

  • Energy and utilities

  • Food, beverages and tobacco

  • Health & beauty

  • Household and consumer goods

  • IT, software development and maintenance

  • Machinery and metal products

  • Medical

  • Motor vehicles

  • Print and media

  • Sports and gaming

  • Textile, clothing and footwear

  • Transport and logistics


Check out our full eligibility criteria.

Can I upgrade my 3S Money account?

You can switch between plans easily and only pay for what you need with assistance from your Relationship Manager.

Can 3S Money provide customer support in different languages?

As a global business, we use English as a first language for all written communications. However, with dedicated Relationship Managers across seven global offices - we aim to provide local language support where possible.

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.