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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Online business accounts for foreign passport holders
We help directors and shareholders from 190+ countries make fast, secure, global payments in 65+ currencies with local IBANs, competitive FX rates & dedicated human support.
Licensed EMI and fully regulated in UK (FCA), LU (CSSF), UAE (DFSA) & HK (CED)
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Why foreign business owners choose 3S Money
100% online application process
Our teams specialise in onboarding businesses with overseas registration. Whether you’re based in the UAE, Hong Kong, Southeast Asia, or the US, we can help you quickly and securely process global payments.
Global payment coverage
Securely transfer funds to & from 190+ countries in 65+ currencies using a combination of local IBANs, SWIFT & SEPA, with no transaction limits.
Dedicated account management
Your personal Relationship Manager provides trusted payment and FX support to help you navigate unfamiliar markets, with multilingual service and industry expertise.
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“Giving our customers the best possible experience is one of our core values, and we love that this is now mirrored by our payment provider, 3S Money. The onboarding was quick and efficient, and we’re excited to see how 3S Money will help us grow.” Kevin Zidan, Head of Product, Fanpass
Your complete, streamlined solution for business finance management.
Instant account access anytime, anywhere.
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It shouldn’t take ages to onboard
Three simple steps to your account
Step 1
Step 2
Step 3
5mins
Provide your country of registration, business details, and information about your incoming & outgoing payments. Receive a personalised offer tailored to your business needs.
Submit your Registration, Ownership, and Management Details, along with ID and required documents, to finalise your application.
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Need help with your application? Schedule a call for personalised onboarding support.
We handle compliance checks, KYC, and RFI requests as needed, leading to official approval of your application.
Trade locally and expand globally with local IBANs
Choose the plan that fits your business needs, tailored to your preferences.
What is the difference?
Global
UAE (DIFC)
Standard
€100
/ monthly
Local GB, LU, FR 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 • £1
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
100% transparent
transaction fees
Tired of hidden fees? Calculate how much you'll pay to send and receive international business payments.
Please note that additional charges may apply when you send or receive payments in non-local currency to that of the sender/recipient bank, and the use of specific currencies is subject to eligibility.
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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