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3S Money
3S Money provides international accounts, global payments, and currency exchange services to businesses worldwide. They aim to make the global market accessible to all businesses.
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|FCA RegulatedPersonal AccountsBusiness Accounts|190 CountriesLocal Accounts in 3 Countries
Founded2018
HeadquartersLondon, GB
Active Users—
TypeEMI
Account Types
Personal Plans
| Feature | 3S Money Personal Account |
|---|---|
| Monthly Fee | Free |
| Annual Fee | Free |
| Minimum Balance | None |
| Fee Currency | EUR |
| Free ATM Withdrawals | - |
| Billing Model | Pay As You Go |
| Free Tier | Available No monthly fee, pay per transaction fees apply. |
| Description | Multi-currency personal IBAN account with global payment and currency exchange services. |
Business Plans
| Feature | 3S Money Business Account |
|---|---|
| Monthly Fee | €25.00 |
| Annual Fee | - |
| Minimum Balance | None |
| Fee Currency | EUR |
| Free ATM Withdrawals | - |
| Billing Model | Subscription |
| Free Tier | No |
| Description | Business account offering multi-currency IBANs, international transfers, and payment automation. |
Visit the provider website for detailed plan comparisons and features
Business Features
Multi-User AccessMax team members: 10
API Access
Bulk Payments
Integrations
Xero
Fees & Limits
Transfer FeesUpdated: Jul 29, 2024
| Route | Fee Structure | Min/Max |
|---|---|---|
| Faster Payments (EUR) | €1.00(instant) | No limit For 'Standard' and 'Enterprise' business accounts. Up to £1M with all UK banks. |
| Faster Payments (EUR) | Free(instant) | No limit |
| SEPA (EUR) | €2.00(1 business day) | No limit For 'Standard' business accounts. |
| SEPA (EUR) | Free(1 business day) | No limit Receive from EU, UK, US and UAE. It's unclear if this applies to all SEPA reception. |
| International (SWIFT) | 0.30%(2-5 business days) | No limit For 'Standard' business accounts. Payments to UAE. |
| International (SWIFT) | Free(2-5 business days) | No limit Receive from EU, UK, US and UAE. It's unclear if this applies to all SWIFT reception. |
Exchange & Usage LimitsUpdated: Jul 29, 2024
Rate Source
Own Rate
0.10% markup on top of the base rate
Guaranteed Rate
| Weekend Markup | None |
| Details | FX spreads start from 0.1% (10 bps) for major currencies like USD, EUR, and AED. Rates are negotiable and depend on the pricing plan (Standard, Enterprise, Enterprise Plus) and transaction volume. The more you convert, the cheaper the rate becomes. The Enterprise Plus plan offers reduced FX rates on hard currency pairs. The provider allows locking in rates for major, minor & exotic currency pairs. |
Other Fees
| Fee | Details | Amount |
|---|---|---|
| Account Fees | ||
| Monthly Maintenance Fee | Standard plan, for businesses with up to 5 owners incorporated in the UK, EU, or UAE. Monthly transaction volumes below €100K.Monthly | €100.00 |
| Transfer Fees | ||
| Sepa Transfer Fee | Outgoing SEPA / Local / Domestic transfer for Standard plan. Additional area zone fee up to 1.00% may apply.Per transaction | €2.00 |
| Swift Transfer Fee | Outgoing SWIFT / International transfer for Standard plan. Additional area zone fee up to 1.00% may apply.Per transaction | €15.00 |
| Incoming Swift Fee | Incoming SWIFT / International transfer for Standard plan. Additional area zone fee up to 0.85% may apply. Free for Enterprise and Enterprise Plus plans, with area zone fees up to 0.65% and 0.40% respectively.Per transaction | €5.00 |
Cards
No card information available
Security & Compliance
Regulation
- FCA AuthorizedLicense: 900918. Licensed in UK. Safeguarding: segregated_accounts.
App Security
- Two-Factor Authenticationtwo-factor authentication
Notes
EMI - not covered by FSCS. Customer funds safeguarded in segregated accounts at Barclays, Crown Agents Bank UK, and Raiffeisen Bank International Austria. Also regulated by CSSF (Luxembourg) with registration number W00000016 and DFSA (Dubai) with reference number F007004.
Support & Platforms
Available Platforms
Web
Updated: 2026-02-11
Globally accessible business banking platform with multi-currency account support, regulated in UK, EU and Dubai
DownloadEligibility
Coverage in 186 countries
Residents Can Open Account (159)
AlbaniaAlgeriaAndorraAngolaAntigua & BarbudaArgentinaArmeniaAustraliaAustriaAzerbaijanBahrainBangladeshBelgiumBelizeBenin
Send Money To (27)
AfghanistanProhibited countryBahamasProhibited countryBarbadosProhibited countryBelarusProhibited countryEritreaProhibited countryIraqProhibited countryBotswanaProhibited countryCambodiaProhibited countryGhanaProhibited countryHaitiProhibited country
= Local account available= Restrictions apply
Supported Currencies39 currencies
د.إAED
United Arab Emirates Dirham
HSR
$AUD
Australian dollar
HSR
лвBGN
Bulgarian Lev
HSR
R$BRL
Brazilian Real
HSR
$CAD
Canadian dollar
HSR
FrCHF
Swiss Franc
HSR
$CLP
Chilean Peso
HSR
¥CNY
Chinese Yuan Renminbi
HSR
$COP
Colombian Peso
HSR
KčCZK
Czech Koruna
HSR
krDKK
Danish Krone
HSR
RD$DOP
Dominican Peso
HSR
€EUR
Euro
HSR
£GBP
Pound Sterling
HSR
₵GHS
Ghanaian Cedi
HSR
RpIDR
Indonesian Rupiah
HSR
₹INR
Indian Rupee
HSR
¥JPY
Japanese Yen
HSR
KShKES
Kenyan Shilling
HSR
₩KRW
South Korean Won
HSR
د.كKWD
Kuwaiti Dinar
HSR
DHMAD
Moroccan Dirham
HSR
$MXN
Mexican Peso
HSR
₦NGN
Naira
HSR
krNOK
Norwegian Krone
HSR
$NZD
New Zealand Dollar
HSR
S/.PEN
Peruvian Sol
HSR
₱PHP
Philippine Peso
HSR
złPLN
Polish Złoty
HSR
ر.قQAR
Qatari Riyal
HSR
leiRON
Romanian Leu
HSR
ر.سSAR
Saudi Riyal
HSR
krSEK
Swedish Krona
HSR
$SGD
Singapore Dollar
HSR
฿THB
Thai Baht
HSR
₺TRY
Turkish Lira
HSR
$USD
United States Dollar
HSR
₫VND
Vietnamese Dong
HSR
RZAR
South African Rand
HSR
H = HoldS = SendR = Receive
Local Account Details3 accounts
LuxembourgEUR
IBANSEPASWIFT
SalaryDirect DebitDedicated IBAN
Local EUR IBAN for business transactions. No Luxembourg residency required.
United KingdomGBP
SORT_CODEFPSBACSSWIFT
SalaryDirect DebitDedicated IBAN
UK GBP account with sort code. Supports various payment types.
United StatesUSD
ROUTING_NUMBERACHSWIFT
SalaryDirect DebitDedicated IBAN
Local USD routing number for transactions. Restrictions on direct debit.