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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 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:

How much does a 3S Money account cost?

A 3S Money Standard International Business account costs $100 monthly, with a minimum monthly account balance requirement of $300. We also offer a Bespoke International Business account for businesses with complex structures, unique payment needs, or those operating in higher-risk jurisdictions.

See our fees and pricing for more details.

Who can apply for a 3S Money account?

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 you can receive pre-approval in under 15 minutes. You can check your eligibility today or speak with our team to discuss how 3S Money can help your business.

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.