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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“
International business banking is broken
- and
3S Money is here to fix it
. We enable businesses to operate with confidence in any market, regardless of origin. Because what matters isn't where you're from, but the value you bring.”
Ivan Zhiznevsky | CEO & Founder, 3S Money
Why businesses choose 3S Money
One global account to exchange, receive and send transactions around the world
A secure payments solution
Your money is securely held with Tier 1 banks - including Barclays and Raiffeisen International - to safeguard your funds in dedicated accounts.
Fast payments, no transaction limits
Access to GB, NL, LU, FR and AE IBANs domiciled in multiple countries. We use SWIFT, SEPA, and local payment rails when applicable.
Rapid online onboarding
Our online application and eligibility process is quick and easy, taking as little as 20 minutes. We specialise in supporting complex businesses.
Access 65+ currencies
USD, EUR, GBP, AED and 60+ other currencies. Our local FX experts offer competitive rates, even for emerging market currencies.
Licensed and regulated
3S Money is a licensed Electronic Money Institution regulated in the UK (FCA), Luxembourg (CSSF), UAE (DFSA) & Hong Kong (CED)
Flexible and scalable
Multi-level access for employees and unlimited sub-accounts. Batch payments to thousands of recipients at once.
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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