Join us

3S Money is an online banking service for cross-border businesses. We welcome clients from over 190 countries (not just the EU) and support their international and local payments through our extended correspondent network. The types of businesses we assist:

Become a client

A 3S Money Global Account is good for international traders, holding companies and family offices that receive and pay out large amounts of money in foreign currencies to and from different countries worldwide. We welcome foreign entrepreneurs setting up their business in new markets

Become a partner

3S Money works with a partner network of over 150 contracted business introducers from the financial ecosystem. Our partner programme focuses on a full and meaningful client introduction and makes the due diligence procedure more engaging and welcoming. Why not join our partners network to bring more effective banking to your clients?

Become a team member

Come and join us at the cutting-edge as we create the future of global merchant banking. We are fusing the latest technology with the friendly touch of the traditional banking experience to give international businesses the very best outcomes

Your questions, answered

Who can open an account?
A 3S Money Global Business Account is good for international traders, holding companies and family offices that receive and pay out large amounts of money in foreign currencies to and from different countries worldwide

Who can't open an account with us?
•    businesses engaging in high-risk activities like cryptocurrencies, unregulated financial service providers and gambling, adult entertainment, nutritional supplements etc;
•    businesses dealing with sanctioned counties (as defined by UN, UK/EU and US);
•    business introducers who don't have a proper KYC procedure for directors and UBOs, PEPs and sanctions screenings, and adverse media checks.

How long does it take to open an account?
On average it takes 5 working days to open an account. For businesses with especially complex structures it may take up to 2 weeks

How do you keep my funds safe?
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. When we hold Electronic Money for you, us holding the funds corresponding to the Electronic Money is not the same as a Bank holding money for you in that:
•    (a) we cannot and will not use the funds to invest or lend to other persons or entities; 
•    (b) your Electronic Money will not accrue interest;
•    (c) your Electronic Money is not covered by the Financial Services Compensation Scheme.
The funds corresponding to Electronic Money will be held in one or more segregated bank accounts separately from our own funds, in accordance with the provisions of the Electronic Money Regulations 2011

How much do bank transfers cost?
We have a basic fee system as well as a monthly fee that we charge clients. To learn more visit

What currency accounts are available?
You can receive and send out payments from account in 30+ currencies including USD, EUR, GBP and other major currencies

Where can I send and receive money from my account?
You can accept payments and transfer money to all major markets including UK, EEA, Russia, China and EMEA

If I make a transfer using a issued IBAN, will this be under my business name?
Yes, the IBAN will be issued in your name. Think of it just like a traditional bank – when you either receive or pay out from the account, this will be in your business name. 

Do you provide individual IBANs?
Yes. With our accounts you get an individual IBAN in your company’s name. You can choose a local IBAN in NL, LU, the UK or a global IBAN 

How much does a 3S Money account costs?
We have an onboarding fee (€2000 or more, depending on ownership, industry and transaction attributes) when first opening your account with us. After this, you will be charged a monthly fee and on transactions as per our basic fee system