3S Money is a bank-challenging payment provider facilitating seamless global transactions for businesses, allowing them to send, receive, and exchange high-value payments worldwide.

We exist for the brave businesses going beyond borders and the boundary-pushing founders behind them. Our clients share the same goals: to get closer to their customers, launch in new countries, and build a business without limits. It takes courage to take on the world - we'll help you get there.

Why should I choose 3S Money?

Send and receive high-value payments worldwide

You can make cross-border transfers to 190+ countries and territories with no value restrictions. Our accounts are SWIFT, SEPA, and Faster Payments enabled, and we partner with top-tier banking partners to ensure your payments arrive on time, every time

Manage multiple IBAN accounts on one platform

You can open multi-currency UK and EU IBANs in your company name, without switching your banking provider. With our easy-to-use Client Portal, you can oversee your entire global cash flow in one place, with 100% secure online access for 10+ directors, shareholders, or employees.

Work with a dedicated Client Manager

Each account is assigned a Client Manager – an international payments expert committed to helping you capitalise on opportunities within your industry. Receive personalised assistance to navigate the global market, regardless of where your business operates.

Access 65+ currencies at competitive rates

A 3S Money multi-currency business account lets you pay suppliers, staff, vendors, and overheads directly in 65+ local currencies. Our dedicated in-house FX team supports your Client Manager, providing you access to live spot trades, bespoke currency pairings, and more.

Additional account features:

• Xero accounting integration

• Batch payments

• API tools

• Global ecommerce marketplace compatibility

How much does a 3S Money account cost?

We aim to support businesses in as many industries as possible, wherever they operate in the world. We apply a human approach to onboarding, compliance and KYC procedures, allowing us to work with companies in high-risk regions that traditional banks might otherwise decline.

The list of industries we can support includes but isn’t exclusive to: 

• Agriculture, farming and forestry

• Art, antiques and luxury goods

• Commodities

• Computers and communication equipment

• Construction

• Energy and utilities

• Food, beverages and tobacco

• Health & beauty

• Household and consumer goods

• IT, software development and maintenance

We accept directors and shareholders from 190+ countries, and opening an account with 3S Money couldn’t be easier. All we need is a few details about you, your business, and your international payment needs.

Simply complete our quick application form, and our team will take care of the rest.

What to consider when choosing a B2B payment solution

Choosing the right Business-to-Business (B2B) payment solution is a critical decision for any enterprise. The selection process requires a thorough analysis of various factors to ensure seamless and secure financial transactions. Here are the top considerations when choosing a B2B payment solution:

Security and compliance:

Data security: Ensure the solution employs robust encryption protocols to safeguard sensitive financial data from potential breaches.

Regulatory compliance: Verify that the payment solution complies with relevant financial regulations and industry standards, reducing the risk of legal complications.

Integration and compatibility:

ERP integration: Choose a B2B payment solution that seamlessly integrates with your existing Enterprise Resource Planning (ERP) system. This ensures smooth data flow and eliminates manual data entry errors.

Compatibility: Consider the compatibility of the payment solution with other business applications and tools, facilitating a cohesive and interconnected financial ecosystem.

Cost and transparency:

Transparent fee structure: Opt for a payment solution with a clear and transparent fee structure. Hidden fees can significantly impact the total cost of transactions over time.

Scalability: Evaluate the scalability of the solution and its pricing model to ensure it aligns with your business growth. A solution that scales with your business can help manage costs effectively.

Transaction speed: Assess the speed of payment processing, as delays can impact cash flow. A faster processing system ensures timely and efficient financial transactions.

Automated processes: Look for features like automated invoicing and payment reminders, streamlining the payment process and reducing the need for manual intervention.

Customer support and training:

Human support: Choose a payment solution provider with a reputation for responsive customer support. Quick resolution of issues is essential to maintain uninterrupted business operations.

Training and onboarding: Consider the availability of training resources and onboarding support. A solution offering comprehensive training materials and assistance can help your team maximise payment efficiency.

3S Money: the international business banking alternative

3S Money is the perfect partner for businesses looking to expand their operations worldwide. Our International Business Account provides a streamlined process for high-value transactions, management of multiple IBAN accounts, a dedicated Client Manager, and access to 65+ currencies.

We equip businesses with the necessary tools and support to simplify the world of business payments, one transfer at a time.

Last updated: 16/01/24