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)

A scenic view of Luxembourg, featuring a canal winding through the cityscape lined with charming houses and lush green trees, creating a picturesque urban scene.


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.

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.

image

Marta Smirnova

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. 

image

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.


image

Global

image

UAE (DIFC)

What is the difference?

Our DIFC accounts are designed to support local UAE payment needs of our international clients in the MENA region, whilst also meeting the regulatory requirements of our DIFC licence.

Standard

For businesses with up to 5 owners incorporated in the UK, EU, or UAE. Eligibility subject to status.

€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

    For businesses with up to 5 owners incorporated in the UK, EU, or UAE. Eligibility subject to status.

    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

    For large businesses with specialised demands and/or very complex international structures. Eligibility subject to status.

    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.


    avatar

    "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