Snapshot
3S Money and Wise Business compared on the points that usually decide a business account: account type, monthly fee, currency support, eligibility and where each one is available.
3S Money figures as of 16 June 2026Wise Business figures as of 18 June 2026Last reviewed 25 June 2026
General information, not financial, legal, or tax advice. There is no single best account. The right fit depends on your business. Verify current terms and eligibility with each provider before applying.
3S Money and Wise Business suit different businesses. Use the comparison below to weigh account type, fees, currency support and eligibility against how your company operates, then confirm the latest terms with each provider. Figures are shown as of 16 June 2026 for 3S Money and 18 June 2026 for Wise Business.
3S Money vs Wise Business at a glance
| Feature | 3S Money | Wise Business |
|---|---|---|
| Account type | Multi currency business payment account, not a deposit savings account. | Electronic money account, not a traditional bank deposit account. Wise is an electronic money institution. |
| 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. | Businesses that pay or get paid across borders and want low cost currency conversion and local account details in several currencies. |
| Monthly fee | Standard plan about 100 euro per month; Enterprise plan about 300 euro per month, as of 16 June 2026. Verify current pricing with the provider. | No monthly fee. A one time setup fee applies and varies by country, for example 50 pounds in the United Kingdom, 31 US dollars in the United States, 50 euros for European Economic Area businesses, 99 Singapore dollars in Singapore, and 65 Australian dollars in Australia. As of 18 June 2026. |
| Transaction fees | Payment and transaction charges vary by currency, route, and plan. Confirm the current schedule with the provider, as of 16 June 2026. | Transfers and conversions are charged a usage based fee that varies by currency and route. Receiving in some currencies is free while others carry a small fee. As of 18 June 2026. Verify current pricing with Wise. |
| 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 16 June 2026. | Conversion uses the mid market rate plus a published fee that varies by currency pair, often a fraction of a percent. As of 18 June 2026. Verify the current rate for your pair with Wise. |
| Minimum deposit | No minimum deposit is published as a headline requirement. Verify with the provider, as of 16 June 2026. | No minimum opening deposit is published. A one time setup fee applies. Verify with Wise. |
| Multi currency | Yes. Hold and exchange more than sixty currencies, as of 16 June 2026. | Yes. Hold and convert many currencies and receive with local account details in several markets. As of 18 June 2026. |
| Integrations | Designed around international payment rails such as SWIFT, SEPA, and Faster Payments. For accounting or software integrations, confirm current options with the provider. | Accounting integrations including Xero and QuickBooks, plus batch payments and an API. Verify current integrations with Wise. |
| 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 16 June 2026. | Registered businesses in supported markets. Feature availability and supported entity types vary by country. Verify eligibility with Wise. |
| 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. | Many markets including the United Kingdom, the United States, the European Economic Area, Australia, New Zealand, Japan, and Singapore. Feature availability varies by country. As of 18 June 2026. |
Use the table to weigh the differences. 3S Money and Wise Business tend to differ most on account type and currency support, so match those to how your business moves money, then confirm the latest fees and eligibility with each provider.
Open a business account
Both providers accept business customers in their supported markets. Fees and eligibility shown as of 16 June 2026 for 3S Money and 18 June 2026 for Wise Business. Confirm current terms with the provider before applying.
Read the 3S Money review → Visit Wise Business →Questions about 3S Money and Wise Business
Which is better for my business, 3S Money or Wise Business?
It depends on your needs. The table on this page compares 3S Money and Wise Business on account type, fees, currency support, eligibility and availability using each provider's published terms. Weigh those against how your business operates, then confirm current terms with each provider. This is information, not advice.
Can I open both 3S Money and Wise Business?
Often yes, subject to each provider's eligibility rules. Some businesses keep more than one account, for example one for everyday banking and another for currency conversion. Check eligibility with each provider before applying.
Are the fees on this page current?
Each figure is shown with the date it was recorded. 3S Money figures are shown as of 16 June 2026 and Wise Business figures as of 18 June 2026. Fees and eligibility change, so confirm current terms with each provider before you apply.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 25 June 2026. Confirm current terms with each provider before applying.