Open a business account in Germany
With a local German IBAN registered in your company name, you can collect, send and exchange high-value business payments across Europe.
- Collect, send, and exchange high-value payments to 190+ countries and 65+ currencies inc. EUR, USD, GBP, CHF and PLN
- No German residency requirements
- 100% online application
Why use 3S Money?
German banks are too bureaucratic
Germany is renowned for its progressive business culture. However, non-residents face complicated compliance barriers when trying to access financial services. We take a human approach to business banking and always put our clients first.
A DE IBAN in your company name
You can enjoy the benefits of a local German bank account without the hassle. This means faster payments, reduced fees, and instant access to domestic markets.
Share capital and certification services
We can support your entry to the German Commercial Register by issuing locally recognised business documentation. You can also use your 3S Money account to deposit any required share capital.
Setting a new standard for international business payments
Finding the right financial services as a non-resident in Germany can be challenging. Whatever your business needs, 3S Money has got you covered.
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Businesses accepted from 190+ countries
We bring local markets to global clients and believe in fair access to financial services. -
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No chatbots: we speak your language
Your dedicated Client Manager will support your business with local expertise and global experience. -
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Your global multi-currency account
Make high-value business payments in 190+ countries and 65+ currencies.
Standard International
Business Account
Bespoke International
Business Account
Suitable for:
Importers, exporters, manufacturers, professional service providers and e-commerce businesses
Suitable for:
Businesses with complex structures, holding companies, family offices, asset managers and investments funds
Maintenance fee
$100 per month
Bespoke
Minimum account balance needed
$300
Bespoke
Check your eligibility and learn which account is right for you. It only takes 3 minutes.
We keep our rates low
International transfer fees
A 0.3% charge applies to incoming, same-currency transactions from Zone 2. An additional charge of 1% of the value of the transaction applies to incoming and outgoing transactions to/from Zone 3 countries.
Incoming payments - free
An additional charge of 1% of the value of the transaction applies to incoming and outgoing transactions to/from Zone 3 countries.
Outgoing payments - $1
*Incoming payments from Zone 2 won’t incur additional charges unless they are payments in EUR, GBP and USD and you wish to deposit this money without converting to a local currency at a competitive rate.
*A 0.3% charge applies to incoming, same-currency transactions from Zone 2.
*An additional charge of 1% of the value of the transaction applies to incoming and outgoing transactions to/from Zone 3 countries, regardless of incoming volume p.a.
Instant account access through your online dashboard
With a 3S Money account, you can manage all your local and international accounts in one place. Through our easy-to-use client portal, you can pay, transfer and exchange funds whenever you need to.
Our competition? What competition
3S Money helps global businesses open online business accounts and simplify their international payments. Here's what makes us different.
Personal Client Manager
Under 20 minutes
Shareholders and directors from 190+ countries
Pay and receive money in 65+ currencies
100% online application
High-value payment specialists
Credit line
Applying for your account only takes 15 minutes. Get started, today.
We cater to businesses of all sizes and structures – starting with an application that learns about your business needs. Once pre-approved, our friendly Onboarding team will guide you through the rest of the process to opening your business account.
Your questions, answered
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3S Money is a bank challenger, rather than a traditional bank – we don’t have a banking licence. Instead, we’re an Electronic Money Institution that’s 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).
Read more about our safeguarding measures here. -
No proof of German or EEA residency is required to open a 3S Money account in Germany. We accept shareholders and directors from 190+ countries, regardless of residency status.
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We apply a human approach to our onboarding and compliance procedures, getting to know our clients first-hand. By doing this, we can work with businesses in high-risk regions that traditional banks might otherwise decline.
However, we don’t work with the following industries:
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Adult
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Cannabis
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Crypto
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Gambling
You can check your eligibility before you apply. -
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Share capital is the agreed form of money or assets a business must deposit when incorporating a business in Germany. It represents the shareholders' contributions, and the value depends on the business type and operational industry.
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As a global business, we use English as a first language for all written communications. However, with dedicated Client Managers across five global offices - we aim to provide local language support where possible. Contact our friendly Sales team for more information.
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Your account maintenance fee is calculated based on your account type and business needs. We use your fee to cover your dedicated Client Manager and our banking partners to help continually improve the speed and efficiency of our service.
If you have any other questions, please get in touch with our friendly team who will be able to help.