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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Same business day transaction clearance*
Payment processing through regulated rails
Real-time confirmation of settled transfers
* Subject to terms & conditions, including currency, payment rail, cut-off times, recipient bank and compliance checks.
Every aspect of your payment journey
Sending money
Fast, reliable global payments. Send one-off, batch, or scheduled transfers via Faster Payments, Bacs, SEPA, or SWIFT and track every transaction with full visibility.
Receiving money
One-off and recurring payments into your 3S Money account with no hidden fees. Get fast settlements*, share account details instantly, receive real-time payment notifications and reconcile with ease.
*Settlement timings may differ based on the rails used and the payer’s bank.
Exchange
Seamless currency conversion. Exchange 65+ currencies anytime in your Client Portal and move funds across markets at competitive rates.
Manage
Full control in one platform. View history, manage roles and accounts, and integrate with Xero or APIs to automate workflows.
Powering payments for ambitious
businesses across industries
Send money in new currencies when your business needs it.
65+ currencies, 190+ countries.
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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