Is 3S Money available for business in Spain?

Does 3S Money serve business customers in Spain?

3S Money is an electronic money institution authorised in the United Kingdom by the Financial Conduct Authority, and it operates 3S Money (Luxembourg) S.A., which is regulated by the Commission de Surveillance du Secteur Financier and passports across the European Economic Area. It works with directors and shareholders from more than 190 countries and publishes a list of countries it cannot serve. Spain is not on that list, so a business registered in Spain 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 16 April 2026.

Eligibility for businesses in Spain

3S Money accepts businesses that are registered outside its restricted country list and operate in a supported industry, and Spain 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 plans on its global pricing, 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 that starts from around 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. Treat these figures as a guide and confirm the current schedule and the currency your plan is billed in with the provider. As of 16 April 2026

What local users report

3S Money holds a Trustpilot rating of about 4.5 out of 5 as of 16 April 2026, with users citing quick onboarding and responsive support. Every account is assigned a dedicated relationship manager, and the provider offers 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.