Online international business accounts for UAE SMEs

Why 3S Money?

  • Local UK and EU IBANs & US routing number in your company name

  • Same-day international $1 SWIFT transfers with no transaction limits

  • Access 20+ major currencies at 5x cheaper rates

  • Non-resident directors and shareholders accepted from 190+ countries

  • Support from your own dedicated Client Manager


A new standard for business banking in the UAE

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    Instant global payments

    Process international payments on your terms with access to 20 global currencies.
  • /media/703/download/unlock_new_business_markets.jpg?v=1

    Unlock new markets

    Send, receive and exchange high-value business payments to 190+ countries.
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    Reduce business costs

    Save money and avoid surprises with 5x cheaper FX rates than traditional banks.

Manage all your online business accounts in one place

Dedicated Client Manager
Dedicated Client Manager, so you can focus on your business while we take care of the rest.
Access 65+ currencies
With your 3S Money account, our online platform allows you to send payments to 190+ countries, receive funds in 20 currencies and exchange currency instantly.
Global account management
Streamline your cross-border trading and benefit from an organised, easy-to-use interface.
  • Competitive currency exchange

    Say goodbye to expensive foreign exchange rates. With our live FX desk and team of currency exchange experts, you'll access sustainable rates and always have full fee transparency.

  • Open local currency business accounts online

    Need to open local IBANs to scale new markets? 3S Money offers the widest global coverage of any UAE business account. Having local IBANs in your company name enables you to pay local taxes, salaries and suppliers wherever you do business.

  • Accept payments from all over the world

    Does your business account let you send and receive high-value international payments to 190+ countries? 3S Money is your gateway to the future of foreign exchange and truly borderless business transactions.

  • Business accounts built for humans, by humans

    At 3S Money we’re fighting back against automation. When you open an International Business Account, you will receive a personal Client Manager. They will understand the needs of your business and support you on every step of your journey.


Simple, fair and transparent pricing

3S Money’s fees are individually tailored to suit/meet your business needs. Start the application process and receive a full pricing plan that reflects your payment flows. Here you can see the types of fees we apply:

Account maintenance fee starting from: 


We accept mid-size businesses with an annual turnover of $600,000 or above.

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

Average response time

Under 20 minutes

Shareholders and directors from 190+ countries

Pay and receive money in 20 currencies

100% online application

High-value payment specialists

Up to 15 business days

Meet our Dubai team

We're experienced merchant bankers and Fintech professionals reinventing international business banking. Our combined experience means we understand where you come from and what you need. 

Start your 3S Money application

Fill in the form below and we’ll email you an invitation to start our onboarding process. If you have any questions, reach out to our experienced Sales team on +971 (0) 4457 0346 or [email protected].

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Thank you!

Thanks for submitting your details! Please check your emails for instructions on how to start your application.

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 Sales team will guide you through the rest of the process to opening your business account.

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