Global accounts
Open a global online business account worldwide - add IBANs for GB, NL, LU, FR & AE. No branch visits required.
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Global payments
Send and receive unlimited SWIFT and SEPA payments from 190+ countries with instant settlement & no hidden fees.
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Currency wallets & FX
Benefit from bank-beating exchange rates and automated conversions in USD, GBP, AED, EUR and 65+ currencies.
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Private relationship management
Partner with a personal Relationship Manager and receive specialised industry payment and FX support in 10+ languages.
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Business debit cards
Simplify international business spending with debit cards, giving you expense management and control in one place
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Personal accounts
Designed for global citizens, with personalised support, multi-currency payments and international transfers
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Open an International Business Account Online
Built for UAE-based SMEs looking for global payment solutions
· Unlock local AE, UK and EU IBANs in your company name · Same-day international SWIFT transfers with no transaction limits · Access AED, USD, EUR and 17+ other currencies with live exchange rates · Non-resident directors and shareholders accepted
3S Money is a licensed EMI and fully regulated in United Kingdom, Luxembourg, Dubai (DIFC)
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Choose a Global or UAE (DIFC) business account and select the plan that fits your business needs, tailored to your preferences.
Global
UAE (DIFC)
What is the difference?
Standard
€100
/ monthly
Local GB, LU and NL IBANS
Access to SWIFT, SEPA and Faster Payments networks
Multi-level and two-factor authentication
Accounting integrations i.e Xero and Kyriba
A dedicated Relationship Manager
Up to 2 account users
Suitable for...
UK and EU-based businesses with up to 5 beneficiary owners and monthly transaction volumes below €100K.
Fees of popular transactions*
UK Faster Pay • £2
EUR SEPA • €2
Payments to UAE • 0.30%
Payments to China • 0.60%
Receive from EU, UK, US and UAE • 0%
*Based on selected plan a fixed cost could be applicable, please view our fees plan for more information
Enterprise
Popular
€300
/ monthly
All Standard features
plus
Save up to 50% on transaction fees
Complex business structures accepted
Custom API integrations
Negotiable transaction fees
Up to 5 account users
Suitable for...
importers/exporters, wholesalers, real-estate managers, and businesses with global monthly transaction volumes below €10M.
Fees of popular transactions*
UK Faster Pay • £1
EUR SEPA • €1
Payments to UAE • 0.15%
Payments to China • 0.45%
Receive from EU, UK, US and UAE • 0%
*Based on selected plan a fixed cost could be applicable, please view our fees plan for more information
Enterprise Plus
Bespoke
/ monthly
All Enterprise features
plus
Save up to 70% on transaction fees
Highly complex business structures accepted
Specialised payment solutions
Reduced FX rates on hard currency pairs
Up to 10 account users
Suitable for...
holding companies, asset managers, financial institutions, private aviation and businesses with monthly transactions above €10M.
Fees of popular transactions*
UK Faster Pay • €1
EUR SEPA • €1
Payments to UAE • 0.10%
Payments to China • 0.25%
Receive from EU, UK, US and UAE • 0%
*Based on selected plan a fixed cost could be applicable, please view our fees plan for more information
Our FX rates are subject to market rates and our banking partners. However, the more you convert, the cheaper your rate becomes. If you have a specific need contact us.
Local payment solutions
built for international business
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Pay and get paid, faster.
Make rapid, unlimited business transfers via SWIFT, SEPA, and Faster Payment with local business account details and multi-currency payments registered in your company name.
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Access your account anytime, anywhere
4.5 out of 5 stars based on 700+ reviews
Real clients.
Incredible stories.
3S Money is a licensed EMI and fully regulated in United Kingdom, Luxembourg, Dubai (DIFC)
Meet our Dubai team
We're experienced merchant banking and financial services professionals dedicated to helping your business pay and get paid quickly and securely worldwide.
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© 3S Money Club Limited 2019-2026. 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