Our mission at 3S Money

Making the global market accessible to businesses everywhere.

We know first-hand how difficult it is to scale a business internationally, so we decided to do something about it. Our international accounts help businesses feel at home in every market, regardless of their passport.

Because it isn’t about where you’re from, it’s about the value you bring.

Ivan Zhiznevsky , Eugene Dugaev and Andrei Dikouchine

3S Money Founders


After experiencing business banking frustration first-hand, we launched in 2018 to redefine the financial landscape for all entrepreneurs.


We’ve processed over $5.9 billion in client payments worldwide and this achievement is a testament to the unwavering support of our valued clients.

200+ people

We’ve grown from a single co-working desk at Barclays Rise, now to a team of 200+ people in 7 offices.

7 global offices

We’re here to support you from our 7 global office locations: London, Amsterdam, Luxembourg, Riga, Dubai, Singapore and Hong Kong.

3 licences

Globally regulated by FCA (UK), CSSF (Luxembourg) & DFSA (Dubai, DIFC). This allows us to provide a competitive edge and mitigate risks.

12+ languages

We're proud to offer our clients support across 12 languages worldwide.

The journey so far...

3S Money was founded in 2018 when international banking was broken. We’ve gone from one chair in Barclays Rise to six global offices worldwide...


Opened up Asia Pacific

Solidifying our global footprint, offices in Singapore and Hong Kong were opened, and our hard work was recognised with a top-three ranking in London's fastest-growing companies list.


Moved into our new London HQ

Outgrowing our initial space at Barclays Rise, we proudly inaugurated our new HQ on Folgate Street, a testament to our rapid growth and ambition.


Won awards & secured more licences in Dubai and Luxembourg

We secured licenses in Luxembourg and Dubai while being honoured with the Best Online Cross-Border Banking Services and Payments Provider award. We’re starting to rapidly scale our operations now.


Opened our Amsterdam office

Further expansion saw the opening of our Amsterdam office, so solidify our European presence.


Hired our first employee in the UK

A milestone year as we welcomed our first employee in London, our Senior Developer, Jaime Bitro. Plus, we introduced Dutch IBANs, amplifying our reach across Europe.


Secured our FCA Licence

Expansion took flight as we opened our first regional office in Riga, Latvia. We secured our FCA licence in the UK, and marked a pivotal moment for the product with the creation of our first SWIFT code in May 2019!


Where is all began

With a single chair at Barclays Rise, our journey began. We established our first banking partnership with Currency Cloud and set the foundations for the international banking revolution.

Company values



Corporate responsibility


Chapter One UK

We’re partnered with Chapter One UK to transform children's futures with one-to-one reading support at the time when they need it the most.

We support the community

We actively participate in fundraising initiatives and projects to embody our commitment to corporate social responsibility. By contributing to meaningful causes, we not only strengthen our connections with communities but also showcase our dedication to making a positive impact beyond business.

Meet the team


Eugene Dugaev

Chief Technology Officer & Founder


Ivan Zhiznevsky

CEO & Founder


Andrei Dikouchine

Chairman & Founder


Paul Wright

Non-Executive Director


Andrea Noormann

Chief Revenue Officer - Europe


Evan Kaldelis

CEO - Dubai & MENA


Andrew Ong

CEO - Asia Pacific


Tom Herring

Global Chief Revenue Officer


Angela Knight

Head of Risk and Compliance & Board Member

Together, let's change the world of payments

Business beyond borders, helping contribute to global progress and prosperity.

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 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.

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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