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Open an online business account in Luxembourg

Send and receive high-value business payments in Luxembourg as a non-resident with a local LUX IBAN.

65+ Currencies · Dedicated Relationship Manager · CSSF regulated · Foreign owners accepted

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Why choose 3S Money


1

A European IBAN in your company name

Bank locally in 36+ European countries and make same-day unlimited SEPA credit transfers. Boost your credibility with European partners, suppliers and staff by managing payments in Euros.

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2

Access local business banking services

Supported by a dedicated Relationship Manager, you can deposit share capital, generate blocking certificates and access European business banking services as a non-EU resident.

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Amel Benmessaoud

Client Relationship Management, 3S Money

3

Quickly scale your international operations 

Easily manage 65+ currency accounts and make high-value international business payments in 190+ countries with live trading and fair FX rates from one digital payments platform. 

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5-star rated. 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

BS

Bernardus Sleijster

1 reviews

ES

We have been working with 3S for quite…

We have been working with 3S for quite a few years now and we’re still very excited and satisfied with their solutions. Especially their personal support is excellent. We recently changed from account manager, but the transition has been smooth and Lawrence Mante, our current account manager, has been fantastic. Many thanks and keep up the good work!

E

Elena Pankratova

1 reviews

RU

Our thanks for the excellent work

We have been cooperating with 3S Money Club for about 9 months, it was very surprising that working with the banking platform can be so simple, fast and productive. Great interface, easy to understand. I express special gratitude to our contact Timofej Stepanov. Timofey thank you for your help, support, quick response in emergency situations for us it is very valuable.

DE

Dennis

1 reviews

NL

Great experience for setting up new account!

For our new business we were looking for a new business banking partner. From day one the experience was 5 starts. From registering the account, sharing information to the onboarding all went smoothly and I can advise 3S to everyone. The local team supporting me was very impressive. Thank you Noreen, Mohammed and Daryl!

D

Dave Pavalov

1 reviews

BG

Absolutely amazed

I'm absolutely amazed by the customer support from 3S Money. It's incredible to have a personal account manager. The one that was assigned to me - Lawrence Mante always goes above and beyond to help me with any questions / inquires that I may have. I was looking for an alternative to Wise because I couldn't stand their customer support and I'm so glad I found 3S Money. A huge THANK YOU to the entire team of 3S Money and to Lawrence Mante. Keep doing what you guys are doing!

LU

Lucas

2 reviews

BE

incredible experience from the start…

incredible experience from the start with 3S money. My account manager is Noreen and she is always available to answer my questions and help me. It's the first time I've had an online bank of such high quality, with even better service than a physical bank. I recommend it 100%. Thanks to Noreen for all her help from the start whenever I have questions.

AI

Al W

1 reviews

TH

3S Money provides exceptional customer…

3S Money provides exceptional customer support. My manager, Eliezer Del Rosario, consistently goes above and beyond to solve obstacles and help meet our company's needs.

BS

Bernardus Sleijster

1 reviews

ES

We have been working with 3S for quite…

We have been working with 3S for quite a few years now and we’re still very excited and satisfied with their solutions. Especially their personal support is excellent. We recently changed from account manager, but the transition has been smooth and Lawrence Mante, our current account manager, has been fantastic. Many thanks and keep up the good work!

E

Elena Pankratova

1 reviews

RU

Our thanks for the excellent work

We have been cooperating with 3S Money Club for about 9 months, it was very surprising that working with the banking platform can be so simple, fast and productive. Great interface, easy to understand. I express special gratitude to our contact Timofej Stepanov. Timofey thank you for your help, support, quick response in emergency situations for us it is very valuable.

DE

Dennis

1 reviews

NL

Great experience for setting up new account!

For our new business we were looking for a new business banking partner. From day one the experience was 5 starts. From registering the account, sharing information to the onboarding all went smoothly and I can advise 3S to everyone. The local team supporting me was very impressive. Thank you Noreen, Mohammed and Daryl!

D

Dave Pavalov

1 reviews

BG

Absolutely amazed

I'm absolutely amazed by the customer support from 3S Money. It's incredible to have a personal account manager. The one that was assigned to me - Lawrence Mante always goes above and beyond to help me with any questions / inquires that I may have. I was looking for an alternative to Wise because I couldn't stand their customer support and I'm so glad I found 3S Money. A huge THANK YOU to the entire team of 3S Money and to Lawrence Mante. Keep doing what you guys are doing!

LU

Lucas

2 reviews

BE

incredible experience from the start…

incredible experience from the start with 3S money. My account manager is Noreen and she is always available to answer my questions and help me. It's the first time I've had an online bank of such high quality, with even better service than a physical bank. I recommend it 100%. Thanks to Noreen for all her help from the start whenever I have questions.

AI

Al W

1 reviews

TH

3S Money provides exceptional customer…

3S Money provides exceptional customer support. My manager, Eliezer Del Rosario, consistently goes above and beyond to solve obstacles and help meet our company's needs.



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


Luxembourg banking solutions for every business


We help foreign directors and shareholders worldwide access EU financial services on their terms. 3S Money can support your payment goals wherever you're from or do business. 

Starter


$25

/ monthly



Suitable for:

Small, emerging businesses seeking to manage international transactions, for companies with an annual turnover below $1M.


Scale Up


$100

/ monthly



Suitable for:

Established businesses with ongoing international transaction needs, for companies with annual turnovers ranging from $1M - $2M.


Enterprise

Most popular


$300

/ monthly



Suitable for:

Larger businesses operating across multiple jurisdictions focusing on global trade, for companies with annual turnovers ranging from $2m - $10m.


Enterprise Plus


Bespoke

/ monthly



Suitable for:

Large, intricate businesses with specialised demands, with an annual turnover of $10M+. For companies managing complex international financial activities.




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"3S Money is an excellent fintech solution suitable for IT companies. Now we have a reliable banking provider, we can focus on our goals with confidence.”

KODE Representative


Ready to discuss your business needs?

Let’s get started


Our team is happy to discuss your digital payment needs to support your business growth. Schedule a call with us in your own language today.



* We speak 12+ languages. Let us know if you would like to schedule a call in your native language.



Frequently asked questions


Is 3S Money a bank?

3S Money is not a bank. We are 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).

Who is eligible for a 3S Money account in Luxembourg?

You can open a 3S Money account from anywhere in the world and you don't need to be a resident of Luxembourg or EEA. We work with welcome shareholders and directors from over 190 countries.

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.

How do I apply for 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.

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.

What is share capital?

Share capital is the agreed form of money or assets a business must deposit when incorporating a business in Luxembourg. It represents the shareholders' contributions, and the value depends on the business type and operational industry.

What is a blocking certificate?

A blocking certificate confirms that the agreed amount of share capital has been paid out and deposited into a respective account. If you require a blocking certificate, your dedicated Relationship Manager will manage the process with your legal notary.



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© 3S Money Club Limited 2019-2024. 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 20-54, 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