3S Money business account review

Snapshot

3S Money is a multi currency business account built for companies that send and receive international payments. It suits businesses incorporated in the United Kingdom, the European Union, or the United Arab Emirates that need to hold many currencies and move money across borders. Pricing starts at a published monthly fee, so it is not a free account.

Who it suits: Established and growing companies with cross border payment needs, including importers, exporters, and businesses with overseas suppliers or customers. Less suited to very small or pre revenue businesses that want a free account.
Broadly available in: Companies incorporated in the United Kingdom, the European Union, and the United Arab Emirates. Accounts can be opened online in the United Kingdom, the Netherlands, Luxembourg, and the UAE.
Headline monthly fee: Standard plan 100 euro per month as of 11 October 2026. Verify current pricing with the provider.
Account type: Multi currency business payment account, not a deposit savings account.

Fees and features as of 11 October 2026Last updated 11 October 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

3S Money is a multi currency account for cross border business payments. As of 11 October 2026 it lists a Standard plan at 100 euro per month and an Enterprise plan at 300 euro per month, holds more than sixty currencies, and accepts businesses with up to five owners incorporated in the United Kingdom, the European Union, or the United Arab Emirates. Fees and eligibility change, so confirm current terms with the provider.

Overview

3S Money provides a business account focused on international payments rather than everyday domestic banking. Account holders can hold and exchange more than sixty currencies, including the US dollar, euro, British pound, and UAE dirham, and send payments to many countries using networks such as SWIFT, SEPA, and Faster Payments. The account is aimed at companies that trade across borders and value a named point of contact for larger or more complex payments. As of 11 October 2026, onboarding is fully online with no branch visit required.

Strengths

Wide currency coverage and broad international payment reach. A dedicated relationship manager on every published plan. Local IBANs for the United Kingdom, Luxembourg, France and the Netherlands. Online onboarding across several jurisdictions.

Limitations

There is a published monthly fee, so it is not a fit for businesses that want a free account. It is a payment account focused on international transfers rather than a full domestic bank with lending or in branch services. Eligibility is limited to companies incorporated in the United Kingdom, the European Union, or the United Arab Emirates. Verify whether your business type and country are accepted before applying.

Fees and features

All figures as of 11 October 2026. Verify current terms with 3S Money.
Monthly fee	Standard plan 100 euro per month; Enterprise plan 300 euro per month; a third plan is priced on request, as of 11 October 2026. Verify current pricing with the provider.
Transaction fees	Charges vary by currency, route, and plan. On the Standard plan a UK Faster Payment costs 1 pound and a euro SEPA payment costs 2 euro, as of 11 October 2026.
FX fees	A currency exchange margin applies to conversions and varies by currency pair and amount. Check the live rate and fee in the provider pricing calculator, as of 11 October 2026.
Minimum deposit	The pricing page does not state a minimum deposit. Verify with the provider, as of 11 October 2026.
Multi currency	Yes. Hold and exchange more than sixty currencies, as of 11 October 2026.
Integrations	Access to SWIFT, SEPA, and Faster Payments. Accounting integrations listed on the pricing page include Xero and Kyriba.
Eligibility	Businesses with up to five owners incorporated in the United Kingdom, the European Union, or the United Arab Emirates. Some business types and industries may not be accepted. Verify with the provider, as of 11 October 2026.

Open a 3S Money business account

Availability and fees vary by country. Check the 3S Money by country pages below for your market, then confirm current terms with the provider. Shown as of 11 October 2026.

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3S Money by country

Questions about 3S Money

Is 3S Money a bank?

3S Money is not a bank. It is an electronic money institution regulated by the FCA in the United Kingdom, the CSSF in Luxembourg and the DFSA in the Dubai International Financial Centre. Client funds are held in safeguarded accounts rather than covered by a deposit guarantee scheme. Confirm how your funds are held and protected with the provider before applying, as of 11 October 2026.

How much does 3S Money cost?

As of 11 October 2026 the Standard plan is listed at 100 euro per month and the Enterprise plan at 300 euro per month, with additional charges for some payments and currency exchange. Pricing changes, so check the current schedule with the provider.

Who can open a 3S Money account?

Businesses with up to five owners that are incorporated in the United Kingdom, the European Union, or the United Arab Emirates can apply, subject to checks. Some industries are not accepted. Verify eligibility with the provider, as of 11 October 2026.

How many currencies does 3S Money support?

It supports holding and exchanging more than sixty currencies and sending payments internationally through networks such as SWIFT and SEPA, as of 11 October 2026. Confirm the current list with the provider.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 October 2026. Confirm current terms with 3S Money before applying.