3S Money Review [2025]: Features, Fees & Support

3S Money is a London-based fintech company founded in 2018 with the goal of supporting cross-border businesses. Despite not being a bank, they hold an Electronic Money Institution license to operate and provide payment services. 3S Money is one of the trading names of 3S Money Club Limited and can be used interchangeably.

In 2021, they secured Series B funding amounting to EUR 40 million, facilitating their business expansion. Currently, they have handled client transactions exceeding EUR 5.9 billion globally, supported by a team of more than 200 employees operating out of 7 offices situated in the UK, the Netherlands, Luxembourg, Dubai, Latvia, Singapore, and Hong Kong.

Recently, the company partnered with Barclays and launched USD accounts. This enables companies to streamline international transactions and further reduce the cost of accepting USD payments.

3S Money specialises in business banking solutions, offering a range of products tailored to modern business needs.

Business Account

Their business accounts have five tiers for you to consider, which are: Starter, Standard, Enterprise, Enterprise Plus, and DIFC.

• Starter: For businesses with one direct beneficiary owner incorporated in the UK or EU (excluding Cyprus and Malta).
• Standard: For businesses with up to 5 direct beneficiary owners incorporated in the UK, EU or UAE.
• Enterprise: For businesses with complex structures.
• Enterprise Plus: For large businesses with specialised demands and/or very complex international structures.
• DIFC: For entities serviced by 3s Money UAE.

Services between the five tiers are very similar. You may want to consult with 3S Money to see which type fits your business better.

Here are the key features of the 3S Money business account:

• Hold funds in over 65 currencies in one account number, including USD, EUR, CAD, GBP, SGD, CNY, HKD, AED, AUD, and NZD.
• Receive and send international SWIFT transfers to over 190 countries.
• Local account details, including IBANs in the UK, Netherlands, Luxemburg, and the US to receive and send payments via local payment networks, such as SEPA, and Faster Payment System (FPS).
• No transaction limits.
• Xero integration to simplify accounting.
• Batch payments to pay up to 1,000 payees by uploading CSV files to your account*
• Give your team access with adjustable account permission.

*There are required fields in a CSV file for successful payments. Please check with the 3S Money page for more information.

Do note that transactions to certain countries may be restricted. 3S Money also provides the Payment Guide, which outlines supported currency, processing time, and transfer systems for each country. Before making a transaction, ensure to check with 3S Money to avoid any delays.

Finally, some features are exclusive to higher-tier plans. See the table below for details.

Foreign Exchange

3S Money states they offer real-time and competitive currency exchange rates compared to traditional banks. 3S Money’s FX services support over 65 currencies.

3S Money also has a live FX desk that can help clients with any large-value requests, and in some cases, they may be able to offer a better rate.

API Integrations

3S Money's APIs seamlessly integrate with your accounting, payroll, ecommerce, and other systems, streamlining your financial operations. You can initiate payments, manage beneficiaries, and access account details directly from your own platform.

3S Money’s Feature Rating is 4/5

3S Money offers a solid suite of business account features that cater well to modern businesses, especially those with international operations. The multi-currency support, local account details in major locations, competitive FX rates, and a wide range of payment networks are strong selling points.

However, the absence of expense cards is a notable drawback. For businesses that require more flexibility in managing employee spending or daily payments, the lack of virtual or physical cards could be a limitation. Since expense cards are common among banks and fintechs worldwide, we rate 3S Money's feature 4 out of 5.

3S Money charges a monthly fee to use the account.

• Starter: EUR 25
• Standard: EUR 100
• Enterprise: EUR 300
• Enterprise Plus: Contact Sale
• DIFC: Contact Sale

Account Fees

Payment Fees

*3S Money charges additional fees for sending and receiving payments based on the country of transfer and your selected plan.

Please note that fees are subject to change, ensure to check with 3S Money’s Fees and Pricing page for accurate information.

3S Money’s Fee Rating is 4/5

The fee structure is relatively transparent, with competitive transaction fees and an attractive starter plan that works well for small businesses.

However, a minimum account balance requirement could be a challenge for those just starting out. Additionally, the uncertainty around SWIFT payment fees could be a drawback for businesses that rely heavily on cross-border transactions.

3S Money offers several support channels to assist customers, including

• Visit their offices in 7 locations: the UK, the Netherlands, Luxembourg, Dubai, Riga, Singapore, and Hong Kong.
• Phone call: +44 (0) 203 807 9645 (UK), +31 20 369 9870 (Netherlands), +352 2033 1266 (Luxembourg), and +971 4 457 0346 (UAE)
• Email: info@3s.money
• Submit your inquiry
• Live chat via WhatsApp, available Monday to Friday from 9 AM to 5 PM (excluding public holidays).

For after-hours assistance, their Help Centre provides self-service resources. Customer support is available in 12 languages to cater to a diverse customer base.

3S Money’s Customer Support Rating is 5/5

3S Money offers a comprehensive customer support system that addresses various client needs. With physical offices across multiple countries, dedicated phone lines, and client managers, they provide robust support for an international clientele.

Their multilingual team and diverse communication channels, including phone, email, live chat, and an online help centre, give clients flexibility in how they seek assistance.

3S Money offers services to businesses only. Family businesses and large enterprises operating around the world can open business accounts with 3S Money.

Eligibility

Most businesses are eligible to apply for 3S Money business accounts, except for businesses registered in certain countries. Also, your business shall not engage with prohibited industries.

For example:

• Adult products
• Cryptocurrency
• Embassies and consulates
• Foreign exchange services
• Political and religious organisations

Lastly, you can quickly verify your eligibility with 3S Money's eligibility checker. 

Required Documents

You will need to submit the following documentation to complete the account application.

For all company directors, major shareholders and account operators:

• A valid passport
• Proof of address: a scan of a utility bill, bank statement or tax document with your details.

For your company:

• Company Registry Extract (no older than 6 months), including Business Registration Certificate.
• A document confirming the good standing of the company, management, and shareholding structure, such as the Certificate of Good Standing.
• Shareholder Register (a PDF file)

You can apply for a business account remotely through 3S Money’s website or mobile app. Once you are ready, visit their registration page to provide your information and submit the required documents.

The 3S Money team will get in touch with you to conduct compliance checks. If approved, you'll be introduced to a dedicated Relationship Manager who will guide you through setting up your account and opening the required local IBANs.

The Ease of Opening a Business Account for 3S Money is 4.5/5

3S Money provides a hassle-free online account opening process. The company’s website clearly states the requirements for opening an account. However, the unclear account opening time may cause some inconvenience in terms of business planning and decision-making process. As a result, we rate this aspect with a score of 4.5 out of 5.

If you have a business registered in Hong Kong, Singapore, or the British Virgin Islands (BVI) and you’re looking to simplify cross-border payments, Statrys is a viable alternative to 3S Money.

Statrys is a licensed Money Service Operator in Hong Kong that offers business account solutions that allow you to send, receive and hold money in all major currencies. Our FX rate is based on real-time mid-market rates and charges a nominal conversion fee to help you save more from global transactions.

Additionally, Statrys allows you to issue multiple expense cards for your team, making it easier to manage budgets and track expenses effectively.

Let’s take a look at Statrys’ services.