Fees and Pricing


This is the Fees and Pricing Section as defined in the General Terms of Service of 3S Money Club Limited. This document is supplemental to the aforementioned Terms. This Section may be amended by 3S Money Club Limited at any time in its sole discretion, with or without notice.

Monthly fees (payable from the account opening date, regardless of when the account is funded)

Global business account

Starting from 250 EUR per calendar month or any part of a calendar month

Personal account

Starting from 50 EUR per calendar month or any part of a calendar month

Onboarding fee

We may charge you an onboarding fee before opening your account, depending on the nature of your business. The team will get in touch during your application to discuss. 

FX charge

All currency pairs 

On request

Additional accounts and users

Any additional accounts and local IBANs

Free of charge

Account users

Up to 10 users free of charge

Incoming payments 

Collections inside EEA / UK


Collections outside EEA / UK


SEPA / FasterPay



€20 per transaction

* A 0.3% charge applies to incoming transactions outside Zone 1 once your account has collected over €1 million. 
* Incoming payments from Zone 3 countries are subject to a 1% charge on the value of the transaction, regardless of incoming volume p.a.

Outgoing payments 

Payments inside EEA / UK 


Payments outside EEA / UK



£0.6 per transaction


€1 per transaction 


€25 per transaction 

*Outgoing payments to Zone 3 countries are subject to a 1% charge on the value of the transaction, regardless of outgoing volume p.a.

Zone 1: 

Belgium, Bulgaria, Czechia, Denmark, Cyprus, Latvia, Lithuania, Luxembourg, Spain, France, Croatia, Italy, Poland, Portugal, Romania, Switzerland, Slovenia, Hungary, Netherlands, Austria, Iceland, Liechtenstein, Norway, Slovakia, Finland, Sweden, Germany, Estonia, Ireland, Greece, and United Kingdom.

Zone 2: 

Åland Islands, Algeria, Angola, Antarctica, Antigua and Barbuda, Argentina, Australia, Bahrain, Bangladesh, Benin, Bhutan, Bolivia, Bouvet Island, Brazil, British Indian Ocean Territory, Brunei, Burkina Faso, Burundi, Cameroon, Canada, Cape Verde, Central African Republic, Chad, Chile, Chile, China, Christmas Island, Cocos Islands, Colombia, Comoros, Costa Rica, Czech Republic, Democratic Republic of the Congo, Djibouti, Dominica, Dominican Republic, East Timor, Ecuador, Egypt, El Salvador, Equatorial Guinea, Ethiopia, Falkland Islands, Faroe Islands, Finland, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Greenland, Grenada, Guadeloupe, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Heard Island and McDonald Islands, Holy See (Vatican City State), Honduras, Hong Kong, India, Indonesia, Israel, Ivory Coast, Japan, Jordan, Kenya, Kiribati, Kosovo, Kuwait, Laos, Lebanon, Lesotho, Liberia, Madagascar, Malawi, Malaysia, Maldives, Marshall Islands, Martinique, Mauritania, Mayotte, Mexico, Micronesia, Mongolia, Montenegro, Morocco, Mozambique, Namibia, Nauru, Nepal, New Caledonia, New Zealand, Niger, Nigeria, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn, Puerto Rico, Qatar, Republic of the Congo, Réunion Island,  Rwanda, Saint Barthelemy, Saint Helena, Saint Kitts and Nevis, Saint Lucia, Saint Piere and Miquelon, Saint Vincent and the Grenadines, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Sierra Leone, Singapore, Solomon Islands, South Africa, South Georgia and the South Sandwich Islands, South Korea, Sri Lanka, Sudan, Suriname, Svalbard and Jan Mayen, Swaziland, Taiwan, Tanzania, Thailand, Togo, Tokelau, Tonga, Tunisia, Turkey, Tuvalu, U.S. Virgin Islands, Ukraine, United Arab Emirates, United States, United States Minor Outlying Islands, Vietnam, Wallis and Futuna, Western Sahara, Zambia, British Virgin Islands and Anguilla. 

Zone 3: 

Russia, Belarus, Armenia, Albania, Bosnia and Herzegovina, Azerbaijan, Tajikistan, Turkmenistan, Uzbekistan, Kazakhstan, Kyrgyzstan, Moldova, Malta, Mauritius and Curaçao.

Part I: Payment Transactions

Enquiry and manual processing of incoming transfer with incorrect details

Any payment type

50 EUR

Submitted transfer enquiry 

In EUR and other major currencies 

Within 1 year following the date of the transaction 

150 EUR + additional fee*

More than 1 year following the transaction date 

200 EUR + additional fee*

*Additional fees may apply if, in connection with the submitted transfer enquiry, the intermediary bank or the beneficiary bank charges additional fees and are equal to the amount of such additional fees charged. 

Cancellation of or changes in outgoing payment orders

After funds write off from an account, but before 3S Money sends payment order

15 EUR

After 3S Money send a payment order 

150 EUR + additional fees*

*An additional fee applies if, during the cancellation of or changes to payment orders, the intermediary bank or the beneficiary bank charges additional fees and are equal to the amount of such additional fees charged. 
A request for payment reversal and commission charge-off does not guarantee the refund. If funds were credited to the beneficiary’s account, the refund can only be made only upon agreement with the beneficiary.

Return of transfer by a correspondent bank or beneficiary bank

Correspondent bank  

50 EUR

Beneficiary bank 

50 EUR

Regular Payment Order (SWIFT confirmation)

Order registration 

50 EUR

Part II: Account Maintenance

Opening and closing of an account

Opening / Onboarding fee

On request 

Account closure fee (in the event that your 3S Money account is closed less than six months following its funding date)*

Up to 6 monthly fees  

Account closure fee (in the event that your 3S Money account is closed after six months following its funding date)

1 monthly fee applicable to the account

Closure of an account of the client which does not comply with 3S Money’s General Terms of Service

500 EUR

*In the event that your 3S Money account is closed less than six months following its opening date, the early account closing fee will be charged in the amount by which the aggregate monthly fees that would be payable for the first six months from the account opening date exceed the amount of monthly fees actually paid by you prior to the closing of the account.

Part III: Documents and References

Preparation and processing of documents and references 

Adding an additional user after account activation or any additional users in excess of 10 

100 EUR per additional user

Amendments to any legal documents in relation to an account (e.g. any changes to 3S Money's standard forms of account authorising resolutions). 

EUR 350 per hour 

Translation of documents 

100 EUR per document + actual translation expenses 

Processing and issuing of account reference 

Standard account reference (limited to confirming the existence of an account and/or account balance)

50 EUR

Additional charge for expedited account reference (same-day delivery if the request is submitted within normal working hours prior to 4pm London time, otherwise the next working day delivery)

30 EUR

Response to an auditor's request in respect of an existing client 

350 EUR

Copy of any reference or document 

20 EUR per page

Provision of information to auditors of a former client 

500 EUR

Processing and delivery of account statements 

Statement of account for up to 12-month period preceding the date of the request (only available through 3S Money Client Portal)

Free of charge

Any other statement of account (only available through your 3S Money Client Portal), except any statement of account for any closed accounts 

Free of charge

Statement of account for any closed account 

The greater of 200 EUR or 5 EUR per page 

Correspondence fees

Postage fees

20 EUR per correspondence item + applicable international courier fees 

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