How are my transaction fees calculated?

3S Money’s transparent pricing model is designed to cater to the diverse needs of global businesses, offering flexible payment solutions in 190+ countries and 65+ currencies, including USD, EUR, and GBP.

We offer four unique account types: Start, Standard, Enterprise, and Enterprise Plus.



This article will give you an overview of the following:

  • How your local and international payment fees are calculated.

  • How your SWIFT and SEPA fees are calculated.

  • How your foreign exchange rate is calculated.



How much will I pay to send & receive payments internationally?

To help clients understand how much they will be charged for their payments, we’ve categorised geographical regions into designated Areas.

Each Area has a specific set of fees that can increase or decrease based on the value of your payment. In the table below you can see the




How much do SWIFT & SEPA payments cost with 3S Money?


SWIFT (Society for Worldwide Interbank Financial Telecommunication) and SEPA (Single Euro Payments Area) are systems for international payments.

SWIFT enables secure global transactions between banks, while SEPA simplifies euro-denominated transfers within Europe. SWIFT handles multiple currencies worldwide, whereas SEPA focuses on euro payments within Europe.

The table below shows how much you'll pay to send and receive SWIFT and SEPA payments based on your account type:



Last updated: 17/12/24



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