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The treasury management alternative for seafarers & mariners
UK & EU IBANs
Send and receive payments locally in 36+ EU & EEA countries and territories without ever stepping foot in a bank.
Global payroll solutions
Pay your crew, ground staff, and sales reps in their preferred local currencies with automated batch payments.
Supplier payments
Manage all your partner accounts and entities in one platform and pay them on time, every time, in any timezone.
Unlimited FX transfers
Send, receive, and exchange high-value payments in 65+ currencies with instant settlement and fair rates.
Bespoke API Integrations
Create your own payment ecosystem - integrate your treasury, accounting, payroll and marketplace apps.
Companies and vessels accepted
If your business has complex structures or operates in territories and jurisdictions that other providers may reject - we can support you.
How we support the maritime industry
We work with holding companies, vessels and family offices
We can onboard businesses with complex structures operating in territories and jurisdictions other providers may reject.
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We help you reduce your FX risk and maximise margins
With immediate FX settlement you can lock in favourable rates, pair major, minor, and exotic currencies and face market fluctuations with confidence.
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Our customer success stories
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3S Money is a licensed EMI and fully regulated in United Kingdom, Luxembourg, Dubai (DIFC)
Take your business to new horizons with 3S Money
Get in touch to discover how we can level up your international payments.
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Frequently asked questions
Is 3S Money a bank?
3S Money is not a bank. 3S Money is an Electronic Money Institution that provides multi-currency international business accounts as well as foreign exchange solutions. By combining innovative financial technology with private banking standards, we offer businesses the payment services they need to expand into new markets.
We are licenced and regulated by the Luxembourg Commission de Surveillance du Secteur Financier (CSSF), the UK’s Financial Conduct Authority (FCA), and Dubai’s Financial Services Authority (DFSA) in the Dubai International Financial Centre (DIFC).
How do I open a 3S Money account?
Opening an account with 3S Money couldn’t be easier. We only need a few details about you, your business, and your international payment needs. Simply complete our application form, and our team will take care of the rest.
What type of business does 3S Money accept?
3S Money welcomes businesses from around the world and supports entrepreneurs in industries that traditional banks might ignore.
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
Machinery and metal products
Medical
Motor vehicles
Print and media
Sports and gaming
Textile, clothing and footwear
Transport and logistics
Check out our full eligibility criteria.
Can I upgrade my 3S Money account?
You can switch between plans easily and only pay for what you need with assistance from your Relationship Manager.
Can 3S Money provide customer support in different languages?
As a global business, we use English as a first language for all written communications. However, with dedicated Relationship Managers across seven global offices - we aim to provide local language support where possible.
How do I contact 3S Money?
The quickest way to get in touch is by sending us a message through our Contact Us page or by calling your local 3S Money office to speak to our team directly.
Products
Industries
Help and Support
Partnerships
About 3S Money
Headquarters address
© 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 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