Is 3S Money available for business in Germany?

Does 3S Money serve business customers in Germany?

Yes. 3S Money is an electronic money institution authorised in the United Kingdom by the Financial Conduct Authority, with a regulated entity in Luxembourg supervised by the Commission de Surveillance du Secteur Financier and a branch in Dubai. It works with directors and shareholders from more than 190 countries and publishes a list of restricted countries it cannot serve. Germany is not on that restricted list, so a business registered in Germany can apply, subject to its compliance and onboarding checks. The account is a multi currency account aimed at companies that send and receive international payments through SWIFT and SEPA, not a deposit savings product, and it does not issue cards. As of 9 June 2026.

Eligibility for businesses in Germany

3S Money accepts businesses that are registered outside its restricted country list and operate in a supported industry, and Germany is not a restricted country. Prohibited sectors include adult content, gambling, cannabis and CBD products, foreign exchange services, weapons, and shell companies. To apply you provide identity documents for each director, major shareholder and account operator, proof of address, a company registry extract issued within the last six months, and a shareholder register. The provider runs an online eligibility check and a compliance review before onboarding, and welcomes non resident owners. Verify with the provider

What it costs locally

3S Money publishes three plans, with the Standard plan around 100 euro per month, the Enterprise plan around 300 euro per month, and Enterprise Plus priced bespoke. There is an account opening fee starting from 100 euro and a requirement to keep a minimum balance equal to three times the monthly fee, so about 300 euro on the Standard plan. Payments carry a fixed fee plus a percentage area zone fee that depends on the countries you pay to and from, and most payments within the European Economic Area fall in the lowest area band with no percentage charge. Treat these figures as a guide and confirm the current schedule with the provider. As of 9 June 2026

What local users report

3S Money holds a Trustpilot rating of about 4.5 out of 5 across more than 800 reviews as of 9 June 2026, with users citing quick onboarding and responsive support. Every account is assigned a dedicated relationship manager, and the provider offers 24 hour phone support and weekday support on WhatsApp. It does not issue physical or virtual cards, so a business that also needs card spending or expense tools would need a second provider. As an electronic money institution it safeguards customer funds rather than holding them as insured bank deposits, which differs from a deposit guarantee, so confirm how your money is protected before relying on it.