Foreign exchange solutions for your business

Make and receive high-value business payments in over 65 currencies with immediate settlement and no transfer limits.

Fair FX rates · Dedicated Relationship Managers · Multi-currency IBAN accounts · FCA, CSSF and DIFC regulated


Why use 3S Money?


Live FX rates with immediate settlement

Our Client Portal allows you to access, exchange, and transfer funds 24/7. Lock in preferential rates and reduce exposure to fluctuation with real-time transfers and settlement.



Work with a dedicated Relationship Manager

Get personalised support to explore new business opportunities. Your assigned Manager will assist you in securing FX trades, expediting payments and setting up new currency pairs.


Maxim Koshkin

Relationship manager, 3S Money


Explore opportunities in 190+ countries

Hold and exchange 65+ currencies at fair rates. Pair major, minor and exotic currencies to maximise your conversion margins in any market.



"3S Money provided a bespoke service that’s hard to find with other fintechs. As a result, we can now focus on our goal of becoming the leading real estate investment platform in Europe knowing we have a solution that will scale with us."

Tanel Orro, CEO at Reinvest24

Apply for pre-approval in just

15 minutes

Ready to simplify your international payments?


You may also like...

Frequently asked questions

Which currencies can I exchange with 3S Money?

With our fair FX rates and instant currency exchange, you can hold up to 65 currencies, including EUR, GBP, CNY, AED, INR and more.

Check out our full list of currencies here.

What is an exotic currency?

Exotic currencies are from less developed economies, with higher volatility and lower liquidity. They pose an increased trading risk due to limited market activity and sensitivity to economic factors. Examples include Thai Baht (THB), South African Rand (ZAR), Turkish Lira (TRY), Indonesian Rupiah (IDR) and Brazilian Real (BRL).

If you’re interested in sending, receiving and exchanging payments in exotic currencies, get in touch with our team.

How much does 3S Money charge for currency exchange?

Any applied rate will depend on the type and amount of currency being traded. We provide flexible, competitive, and transparent exchange rates to help you maximise your margins on every transfer.

Read our full Fees and Pricing.

Is there a limit to how much I can exchange with 3S Money?

No, there's no limit on the value or amount of funds you can exchange. You can access live 24/7 rates and process real-time conversions in 65+ currencies with instant settlement, all within our Client Portal.

Can I exchange currencies and make payments during the weekend?

Payments and currency exchange are available 365 days a year through our Client Portal. However, we only process transfers during standard banking hours. Transfers made on weekends or public holidays will be processed on the next available working day.

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

© 3S Money Club Limited 2019-2024. All rights reserved. 3S Money and 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