What is 3S Money?

3S Money is a cross-border payments platform that offers multi-currency business accounts. By combining innovative financial technology with private banking standards, we provide businesses with the tools they need to scale new markets.


With a focus on efficiency and innovation, 3S Money is reshaping the business banking landscape.


Is 3S Money a business bank account?


3S Money is not a bank - we're a bank challenger. We're a licenced Electronic Money Institution (EMI) that provides international payment solutions for businesses. As an EMI, we can provide banking-like services without a traditional bank's restrictions.


Our platform is built for ambitious businesses and the boundary-pushing founders behind them. All our clients share the same goals: to get closer to their customers, launch in new countries, and build a business without limits. We make this possible by partnering with top-tier banks, using the latest financial technology, and the power of human support.


How does 3S Money work?


Our accounts and platform are built for ambitious businesses and the boundary-pushing founders behind them. All our clients share the same goals: to get closer to their customers, launch in new countries, and build a business without limits.


Here are some of our key features and services:


  • Multi-currency accounts: 3S Money allows businesses to collect, send, and exchange payments in 65+ currencies and 190+ countries with 5x cheaper exchange rates.

  • High-value payments: Businesses can make domestic and international transfers through SEPA, SWIFT, and global networks without transaction limits.

  • Client management: Every 3S Money business account has a dedicated Client Manager. Situated across five international offices, our team can provide local expertise when you need it most.

  • Remote account management: Manage all your local and international business accounts in one place. You can instantly send, transfer, and exchange payments through our easy-to-use online Client Portal.

  • Compliance and security: Safety is at the heart of everything we do at 3S Money. Our robust compliance, anti-money laundering (AML), and Know Your Customer (KYC) processes guarantee peace of mind with every payment.


Is 3S Money right for my business?


We support SMEs of all structures and sizes wherever they do business. A 3S Money International Business Account allows you to expand into new global markets without borders. We apply a human approach to onboarding, compliance, and KYC procedures. This allows us to work with businesses in 190+ countries and territories that many traditional banks avoid.


How can I open a 3S Money account?


Opening an account with 3S Money couldn’t be easier. We only need details about you, your business, and your international payment needs.

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


How can I contact 3S Money?


We have dedicated sales, onboarding, and payment teams in six global offices – so help is always available. Head over to our Contact page and leave us a message or pick up the phone and give us a call - we'd love to hear from you.




Last updated: 11/04/24



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© 3S Money Club Limited 2019-2024. 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 20-54, 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