Open a Business Account in the United Kingdom

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

65+ currencies · Dedicated Relationship Manager · FCA regulated · Foreign owners accepted

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

A scenic view of london's skyline featuring the shard and city hall beside the thames river on a sunny day, with people walking along the riverbank.

Why choose 3S Money

1

Pay locally as a non-resident or resident in the UK 

Make and receive high-value international GBP business payments from anywhere in the world. Inspire trust in your partners with local banking details in your company name. 

image

2

Human support in your language

Our team of dedicated, multi-lingual Relationship Managers can help you navigate the UK market with tailored payment plans to support your unique business needs.

image

Joe Betros

Senior Corporate Client Account Manager, 3S Money

3

Instant access to SEPA and SWIFT payment networks

Pay invoices, HMRC, salaries and suppliers like a local in the UK and 36 European countries. Make CHAPS, BACS, SEPA and SWIFT transfers with no transaction limits.

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

    Headquarters address

    45 Folgate Street London E1 6GL

    +44 (0) 203 807 9645

    [email protected]

    Subscribe to our newsletter to receive latest updates from 3S Money

    Terms and conditions

    Vulnerable customer statement

    Consumer duty

    Privacy policy

    Cookies

    © 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