Is 3S Money licenced and regulated?

At 3S Money, we always act with complete transparency and honesty – our clients sit at the heart of everything we do. Our regulators monitor us to make sure what we say and do is in line with their regulatory standards. By operating in accordance with our licences, our clients can feel confident about the security of their funds and our services.

We're licenced and regulated by:

• The Financial Conduct Authority in the United Kingdom

• The Dubai Financial Services Authority in Dubai.

• The Commission de Surveillance du Secteur Financier in Luxembourg

• The Hong Kong Customs and Excise Department

What is the Financial Conduct Authority (FCA)?

The Financial Conduct Authority regulates over 51,000 financial services firms and respective financial markets in the U.K. The FCA was established to ensure that financial institutions abide by strict rules designed to protect businesses, consumers, and the market in which they operate, all while encouraging competition.

What is the Dubai Financial Services Authority (DFSA)?

The Dubai Financial Services Authority is an independent regulator overseeing financial services in the Dubai International Financial Centre (DIFC) free zone in Dubai, UAE. The aim of the DFSA is to ensure that financial services are fair and transparent in the DIFC. They do this by building confidence in the industry, keeping the financial sector stable, preventing damaging behaviour, and protecting customers.

What is the Commission de Surveillance du Secteur Financier (CSSF)

The Commission de Surveillance du Secteur Financier is a public institution in Luxembourg that oversees the financial sector. Its primary goals are to ensure safety, enforce regulations, protect consumers, and prevent illegal activities. The CSSF represents Luxembourg internationally, follows global standards, communicates transparently, and emphasises integrity and efficiency.

What is the Hong Kong Customs and Excise Department?

In Hong Kong, the Customs and Excise Department is the regulatory authority overseeing Money Service Operators (MSOs) – businesses that provide services such as currency exchange and cross-border remittances. Under the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (AMLO), companies offering these services must obtain an MSO licence, confirming they have passed strict government checks and comply with robust anti-money laundering and counter-terrorism measures.