Overview
3S Money, at a glance.
3S Money is an e-money institution headquartered in the United Kingdom, regulated by FCA, CSSF, DFSA. Business accounts cost from €100 a month. Opening an account takes 1–2 weeks. Non-residents are accepted: owners and directors do not need to live in the country where the company is registered.
Client funds are held in separate safeguarding accounts at partner banks. Not covered by FSCS deposit insurance.
Why businesses pick 3S Money
- Local IBANs in the UK, Netherlands, Luxembourg, France and the UAE, in your company's name
- Accepts non-residents: owners and directors can live in a different country from the company
- A relationship manager on every account
- No percentage fee on payments within Europe
Watch out for
- Opening costs from €500 and the account from €100 a month
- SWIFT payments to some countries are expensive: China costs 0.6% of the amount plus €15 on the Standard plan, and other destinations up to 1%
- Closing the account costs €500
- Cards are virtual only, and only for UK-incorporated companies
- No deposit insurance; funds are safeguarded instead
Business fit
Will 3S Money accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on 3S Money's published rules
Needs review
3S Money works with Agriculture, farming and forestry, but does not publish the countries it accepts companies from.
3S Money does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What 3S Money publishes about the businesses it takes on.
Who 3S Money serves
- Import and export
- E-commerce
- IT and software
- Holding companies
- Travel
All 17 industries on 3S Money's accepted list
- 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
Not supported
Industries and countries 3S Money does not accept, from its own published lists.
Industries
- Adult entertainment/pornography
- Auction houses
- Charities
- Chemicals and allied products
- Dating and escort services
- Binary options
- Political or religious organisations
- Video game arcades or establishments
- Businesses claiming to trade in prime bank guarantees, debentures, letters of credit or medium term notes
Countries
- Not published
Coverage
Where can you use 3S Money?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
57 currencies
- EUR
- USD
- GBP
- CHF
- CAD
- AUD
- JPY
- AOA
- BDT
- BWP
- CNY
- DKK
- EGP
- ETB
- GHS
- GMD
- HKD
- IDR
- ILS
- JOD
- KES
- KWD
- LKR
- LSL
- MAD
- MGA
- MUR
- MWK
- MXN
- MZN
- NAD
- NGN
- NOK
- NPR
- NZD
- PGK
- PLN
- QAR
- RON
- RSD
- RUB
- RWF
- SAR
- SEK
- SGD
- SLE
- SZL
- THB
- TRY
- TZS
- UGX
- VND
- XAF
- XOF
- ZAR
- ZMW
- ZWL
Payment reach
190+ countries and territories
Payments out by local rails or SWIFT.
Who can apply
Company incorporation countries
Not publishedOwner nationality
Not publishedOwner residency
Not publishedCompany types
Not publishedPricing
What does 3S Money cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
From €500
Monthly fee
€100–300
depends on plan
Standard
Lowest cost€100 per month
€500 setup · €1,700 in year one
Enterprise
€300 per month
€500 setup · €4,100 in year one
Enterprise Plus
Custom
For businesses moving more than €10M a month
Transaction fees
| Cost | Standard | Enterprise | Enterprise Plus | How it is charged |
|---|---|---|---|---|
| Incoming | ||||
| SEPA | Free | Free | Free | No charge |
| Faster Payments (GBP) | Free | Free | Free | No charge |
| SWIFT / international | 0–0.85% + €5 | 0–0.65% | 0–0.4% | Percentage plus a fixed fee; varies by plan · Percentage depends on the sending country; 0% from Europe, the US and the UAE |
| From another 3S Money account | Free | Free | Free | No charge |
| Outgoing | ||||
| SEPA | €2 | €1 | €1 | Fixed fee |
| Faster Payments (GBP) | €2 | €1 | €1 | Fixed fee |
| SWIFT / international | 0–1% + €15 | 0–0.75% + €10 | 0–0.5% + €1 | Percentage plus a fixed fee; varies by plan · Percentage depends on the destination country; 0% within Europe |
| To another 3S Money account | Free | Free | Free | No charge |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | From 0.1% | Percentage of the amount · On USD, EUR, GBP and AED pairs; the rate depends on the currency and amount |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Virtual card issue | Free | No charge · €10 a year to maintain |
Onboarding
From application to live account.
Opening a 3S Money account takes around one to two weeks.
- 1
Eligibility check
Your business, the countries you trade with and the payments you need.
- 2
Application
Create an account and upload ID and proof of address for owners, directors and signatories.
- 3
Welcome call
A call with the sales team about the IBANs and payment routes you need.
- 4
Account live
After compliance checks, a relationship manager opens your local IBANs.
Documents you need
- Valid passport for company directors, major shareholders and account operators
- EU/EEA national ID card where applicable
- Proof of address for company directors, major shareholders and account operators
- Company Registry Extract no older than six months
- Document confirming the company’s good standing, management and shareholding structure
- Shareholder Register
- Registration, ownership and management details
FAQ
Your questions, answered.
Is 3S Money a bank?
No. 3S Money Club Limited is an e-money institution authorised by the UK FCA, reference number 900918. Its Luxembourg company is supervised by the CSSF and its Dubai branch by the DFSA. Client funds are safeguarded but not covered by FSCS deposit insurance.
How much does a 3S Money business account cost?
Opening the account costs from €500. The Standard plan is €100 a month and Enterprise is €300 a month; Enterprise Plus is priced individually. On Standard, a SEPA or local payment costs €2 and a SWIFT payment €15, plus up to 1% for destinations outside Europe.
Can non-residents open a 3S Money account?
Yes. 3S Money opens accounts for companies whose directors and shareholders live in a different country from the company, and works with owners from more than 190 countries and territories.
How long does it take to open a 3S Money account?
Around one to two weeks from application to a live account.
Does 3S Money offer cards?
Yes. Companies incorporated in the UK can get virtual Mastercard debit cards, including cards for team members. Issuing a card is free and maintenance costs €10 a year.
Which businesses does 3S Money not accept?
Its terms exclude adult entertainment, auction houses, charities, chemicals, dating and escort services, binary options, political or religious organisations and video game arcades.
Which currencies does 3S Money support?
You can hold and receive 57 currencies, including EUR, USD, GBP, CHF, CAD, AUD and JPY, and a long list of African, Asian and Middle Eastern currencies.
Alternatives
How 3S Money compares.
If 3S Money is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 3S MoneyThis pageE-money institution |    | Local IBANsNon-residents accepted |
 PaysetE-money institution | | 35 currenciesHigh-risk industries |
 PayDoE-money institution |   | Dedicated IBANHigh-risk industries |
 WorldFirstE-money institution |  | Marketplace sellersTrade payments |
 Wise BusinessE-money institution |  | Low FX costsStandard businesses |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.