Global accounts
Open a global online business account worldwide - add IBANs for GB, NL, LU, FR & AE. No branch visits required.
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Global payments
Send and receive unlimited SWIFT and SEPA payments from 190+ countries with instant settlement & no hidden fees.
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Currency wallets & FX
Benefit from bank-beating exchange rates and automated conversions in USD, GBP, AED, EUR and 65+ currencies.
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Private relationship management
Partner with a personal Relationship Manager and receive specialised industry payment and FX support in 10+ languages.
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Business debit cards
Simplify international business spending with debit cards, giving you expense management and control in one place
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Personal accounts
Designed for global citizens, with personalised support, multi-currency payments and international transfers
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TrustScore: Excellent | 1,000+ reviews
Open an International Business Account Online
Built for EU-based businesses trading globally
Make payments in 65+ currencies, exchange funds at competitive FX rates and get personalised support from a dedicated Relationship Manager.
Licensed EMI, fully regulated in UK (FCA), LUX (CSSF), UAE (DFSA) & HK (CED)
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Regulated in the UK (FCA), UAE (DFSA), Hong Kong (CED) & Luxembourg (CSSF)
Bank-grade account security with two-factor authentication & tiered access levels
Your funds are securely protected in safeguarded accounts
Why 3S Money
Everything your business needs from its account
Collect EUR by SEPA Direct Debit
Collect recurring and one-off EUR payments directly from customers across the SEPA network, subject to eligibility and approval.
Make international payments via SWIFT
Send and receive international transactions through the SWIFT network from one secure business account.
Accounts for complex company structures
Open accounts for eligible holding companies, trusts and other complex ownership structures with specialist onboarding support.
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Competitive, pre-agreed FX rates
Eligible Netherlands-based trading companies can access competitive FX rates agreed around their international payment needs.
Support for Luxembourg incorporation
Starting a Luxembourg company? Get the blocking certificate required for incorporation with dedicated, 100% human support.
Available across Europe and beyond
Open an account from across the EU or selected countries worldwide, subject to onboarding, eligibility and approval.
Trusted by companies worldwide
3S Money’s three key services
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3 simple steps to opening your account
Open your account with expert guidance from day one
Step 1
Step 2
Step 3
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Check eligibility
5 mins
Tell us about your business & international payment flows. Receive a tailored pre-approval assessment & speak to a specialist.
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Remote onboarding
30 mins
Submit documents digitally and track onboarding progress live, while we guide you through every required detail.
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Get your account
10 days*
Your dedicated Relationship Manager handles compliance, KYC & onboarding - with most accounts approved within 10 days.
*10 days is an indicative timeframe. Account opening timelines may vary depending on each business, required checks and the information provided during onboarding.
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"3S Money provided a bespoke service that’s hard to find with other fintechs. 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
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© 3S Money Club Limited 2019-2026. 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