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 a UAE business account without stepping foot in a branch
Hold, collect and pay locally in AED
Accept payments in AED and exchange with EUR, GBP, INR, CYN and 61+ other currencies using a local AE IBAN registered in your company name.
Operate with GB, NL & LU IBANs
Trade with counterparties in Europe using dedicated SEPA IBAN details to instantly accept Euro & GBP payments in the UAE with zero FX fees.
Dubai based human support
Our local Relationship Management specialise in supporting foreign business owners navigate the UAE market and provide personalised service in 10+ languages.
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
5 mins
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.
The world’s most accessible UAE business account
Expand your business across the Middle East, Africa, and South Asia without a physical presence in the country
UAE IBANs require a DIFC-specific pricing plan per regulatory requirements
UAE (DIFC)
Global
UAE (DIFC)
Bespoke
/ monthly
Save up to 70% on transaction fees
Local IBAN and AED Payments
Access to SWIFT Networks
A dedicated Relationship Manager
Integrations and Custom APIs
Reduced FX rates on hard currency pairs
Multi-level and two-factor authentication
Highly complex business structures accepted
Up to 10 account users
Solutions
Top industries
Pricing
Resources
Company
Head office
Terms and conditions
Vulnerable customer statement
Consumer duty
Privacy policy
Cookies
ESG Statement
Cardholder Agreement
© 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