Business without borders.
Rapid payments. Premium service.

Enjoy fair FX rates, local IBANs, and send and receive money in 65+ currencies – it’s fast, secure, with no transaction limits and dedicated client support.

3S Money is a licensed EMI and fully regulated in United Kingdom, Luxembourg, Dubai (DIFC)

Safe and secure solution for your payments

Security is our highest priority



Your funds are held in accounts of our partner banks meaning it’s fully protected.


Safeguarded accounts

We never loan or invest your money meaning it’s always 100% liquid.


Secure access

Multi-level authentication for all your personal information, including two-factor authentication for added security.


Built on a bank-grade platform

We have direct SWIFT and FX connectivity with banks. Meaning we offer payments, FX and safeguarding of funds.

Our partner banks:

Raiffeisen Bank International

Banking Circle

Crown Agents Bank

3S Money was born with a mission:

wherever you're from and wherever you do business - get equal access to financial services.

If you don't have the right passport, businesses worldwide are shut out of the system.

We fixed it.

Now we have...


7 global offices

Your local market experts with expertise in global payment routes.


Clients in 67 countries

We service 1000s of clients all over the world across 54 industries.


Customer service in 12 languages

We speak in your language and we understand your business.

Build a genuine partnership with your

Relationship Manager

No more call queues and no robots. Enjoy working with your personal Relationship Manager, who acts like your invested business partner to navigate payment routes worldwide.

Find the right plan for your needs


For businesses with one direct beneficiary owner, incorporated in the UK or EU* and with substance in the country of incorporation. Subject to industry. *Excluding Cyprus & Malta.


/ monthly

Plan includes:

Customer service in 12 languages

Access to SWIFT, SEPA and Faster Payments networks

Local IBANs in the UK, NL and LUX


For businesses with up to 5 direct beneficiary owners, incorporated in the UK, EU or UAE with substance in the country of incorporation. Subject to industry.


/ monthly

Plan includes:

All Starter account features

Average savings of 34% on transaction fees compared to the Starter plan.

2 account users and a personal Relationship Manager


For businesses with complex structures based in any accepted jurisdiction. Subject to industry.

Most popular


/ monthly

Plan includes:

All Starter & Standard account features

Average savings of 53% on transaction fees compared to the Starter plan.

5 account users and a personal Relationship Manager

Enterprise Plus

For large businesses with specialised demands and/or very complex international structures.


/ monthly

Plan includes:

All Enterprise account features

Average savings of 71% on transaction fees compared to the Starter plan.

API integrations

10 account users and a personal Relationship Manager

Our FX rates are subject to market rates and our banking partners. However, the more you convert, the cheaper your rate becomes. If you have a specific need contact us.

Ready to discuss your global payment needs?

Let’s get started

Apply online to get started

Frequently asked questions

Is 3S Money a bank?

3S Money is not a bank. 3S Money is an Electronic Money Institution that provides multi-currency international business accounts as well as foreign exchange solutions. By combining innovative financial technology with private banking standards, we offer businesses the payment services they need to expand into new markets.

We are licenced and regulated by the Luxembourg Commission de Surveillance du Secteur Financier (CSSF), the UK’s Financial Conduct Authority (FCA), and Dubai’s Financial Services Authority (DFSA) in the Dubai International Financial Centre (DIFC).

How do I open a 3S Money account?

Opening an account with 3S Money couldn’t be easier. We only need a few details about you, your business, and your international payment needs. Simply complete our application form, and our team will take care of the rest.

What type of business does 3S Money accept?

3S Money welcomes businesses from around the world and supports entrepreneurs in industries that traditional banks might ignore.

The list of industries we can support includes but isn’t exclusive to:

  • Agriculture, farming and forestry

  • Art, antiques and luxury goods

  • Commodities

  • Computers and communication equipment

  • Construction

  • Energy and utilities

  • Food, beverages and tobacco

  • Health & beauty

  • Household and consumer goods

  • IT, software development and maintenance

  • Machinery and metal products

  • Medical

  • Motor vehicles

  • Print and media

  • Sports and gaming

  • Textile, clothing and footwear

  • Transport and logistics

Check out our full eligibility criteria.

Can I upgrade my 3S Money account?

You can switch between plans easily and only pay for what you need with assistance from your Relationship Manager.

Can 3S Money provide customer support in different languages?

As a global business, we use English as a first language for all written communications. However, with dedicated Relationship Managers across seven global offices - we aim to provide local language support where possible.

How do I contact 3S Money?

The quickest way to get in touch is by sending us a message through our Contact Us page or by calling your local 3S Money office to speak to our team directly.