Globally registered and regulated
FCA registration number 900918. 3S Money Club Limited is registered in England and Wales, Company Number 8574246. Dubai Financial Services Authority (DFSA) with DFSA reference number F007004. CSSF registration number W00000016. 3S Money (Luxembourg) S.A. is registered in Luxembourg, R.C.S number B245715
International Business Account
Unlimited international payments via SWIFT, SEPA & Faster Payments with multi-currency accounts.
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Local IBANs
Pay like a local, add IBANs to your account such as GB, NL, LU and AE
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Currency wallets & FX
Hold funds in various currencies and exchange and send 65+ currencies to 190+ countries
Bespoke API & Batch Payments
Automate your cash flow with our APIs. and send simple batch payments worldwide.
Is 3S Money the right B2B payment solution for me?
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 Relationship Manager
Each account is assigned a Relationship 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+ currencies, including USD, EUR, and GBP. Our dedicated in-house FX team supports your Relationship Manager, offering live spot trades, bespoke currency pairings, instant settlements, global payment protection 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 offers a streamlined process for high-value transactions, management of multiple IBAN accounts, a dedicated Relationship Manager, and access to 65+ currencies, including USD, EUR, and GBP.
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
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About 3S Money
Headquarters address
© 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