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).

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.

We offer two main accounts: Standard International Business Account and Bespoke International Business Account. Each account has a personal Client Manager and the option to open 65+ currency accounts and local IBANs in the UK, Netherlands and Luxembourg. 

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 quick application form and our team will take care of the rest.

With our fair FX rates and instant currency exchange, you can hold up to 65 currencies, including EUR, GBP, CNY, AED, INR and more.

Check out our full list of currencies here.

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.