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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
3S Money is a licensed EMI and fully regulated in United Kingdom, Luxembourg, Dubai (DIFC)
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Why choose 3S Money
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TrustScore: 4.4 | Based on 700+ reviews
Real clients.
Incredible stories.
3S Money is a licensed EMI and fully regulated in United Kingdom, Luxembourg, Dubai (DIFC)
Choose a Global or UAE (DIFC) business account and select the plan that fits your business needs, tailored to your preferences.
Global
UAE (DIFC)
What is the difference?
Standard
€100
/ monthly
Local GB, LU and NL IBANS
Access to SWIFT, SEPA and Faster Payments networks
Multi-level and two-factor authentication
Accounting integrations i.e Xero and Kyriba
A dedicated Relationship Manager
Up to 2 account users
Suitable for...
UK and EU-based businesses with up to 5 beneficiary owners and monthly transaction volumes below €100K.
Fees of popular transactions*
UK Faster Pay • £2
EUR SEPA • €2
Payments to UAE • 0.30%
Payments to China • 0.60%
Receive from EU, UK, US and UAE • 0%
*Based on selected plan a fixed cost could be applicable, please view our fees plan for more information
Enterprise
Popular
€300
/ monthly
All Standard features
plus
Save up to 50% on transaction fees
Complex business structures accepted
Custom API integrations
Negotiable transaction fees
Up to 5 account users
Suitable for...
importers/exporters, wholesalers, real-estate managers, and businesses with global monthly transaction volumes below €10M.
Fees of popular transactions*
UK Faster Pay • £1
EUR SEPA • €1
Payments to UAE • 0.15%
Payments to China • 0.45%
Receive from EU, UK, US and UAE • 0%
*Based on selected plan a fixed cost could be applicable, please view our fees plan for more information
Enterprise Plus
Bespoke
/ monthly
All Enterprise features
plus
Save up to 70% on transaction fees
Highly complex business structures accepted
Specialised payment solutions
Reduced FX rates on hard currency pairs
Up to 10 account users
Suitable for...
holding companies, asset managers, financial institutions, private aviation and businesses with monthly transactions above €10M.
Fees of popular transactions*
UK Faster Pay • €1
EUR SEPA • €1
Payments to UAE • 0.10%
Payments to China • 0.25%
Receive from EU, UK, US and UAE • 0%
*Based on selected plan a fixed cost could be applicable, please view our fees plan for more information
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.
More account features for
borderless business
With our innovative business accounts, companies of all sizes can easily manage their international payment needs.
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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
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About 3S Money
Headquarters address
© 3S Money Club Limited 2019-2025. 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 17-37, 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