3S Money – reviews, analysis and fees

Last updated on 27 November 2023

3S Money is a challenger bank with a very specific purpose – assisting SMEs with overseas transactions. Based in the UK, this challenger enables an SME to open £, €, and $ accounts in one location, while permitting the sending and receiving of payments from almost 20 countries in over 65 currencies.

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This is a fine challenger account for SMEs with a global reach – or ambitions to expand their reach beyond the UK.

Video: Getting started with business bank accounts

3S Money business banking services

Pros and cons of 3S Money for business services

Pros of 3S MoneyCons of 3S Money
Cost-effective foreign transfers Niche service provided
Efficient overseas trading Expensive monthly account fee
Great customer service No FSCS protection
Very limited online reviews
Features of 3S Money compared
The 3S.money user interface
What’s new with 3S Money in November 2023?
3S Money has announced that it’s partnered with Napier, a London-based financial crime prevention solution, as its new AML (anti money laundering) platform.

Business current accounts

3S Money offers one main business bank account, simply called the Standard International Business Account. Although a UK account that trades in £GBP, this account is charged at US$100 per month.

If you pay this fee, up to 10 users can access the account and incoming transactions from most nations are free. You will be charged $1 for every outgoing transaction from a 3S Money account. 

Business overdrafts

Not available through 3S Money. See best business overdrafts.

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Business savings accounts

Not available through 3S Money. See best business savings accounts.

3S Money at a glance

Phone numberN/A – online contact only
App downloadsN/A
Number of branchesN/A – 3S Money is an online-only challenger 
FSCS protected?No
Founded2018, Netherlands
Key information about 3S Money

Other business finance products

3S Money does not trade in cryptocurrency, or offer additional financial products for a business. This account will be used exclusively to trade in various currencies from within the UK.

3S Money reviews

What are other business banking customers saying about 3S Money?

Review platformScoreNumber of votes
FeefoNot reviewedN/A
Reviews.co.ukNot reviewedN/A
Smart Money PeopleNot reviewedN/A
Which?Not reviewedN/A
Average score4.7/5243
3s Money reviews and rating
The 3s.Money online banking login

Business eligibility criteria

3S Money is flexible about who can open an account with this bank. You will not need to be a UK resident to open a British account, and can open an account with less than a year of trading under your belt. You’ll just need to answer some questions about your business model – and, naturally, ensure you can pay the monthly fee.

Business finance alternatives

As 3S Money offers such as specialist product and service, comparatively few rivals operate in the UK. One possible alternative is Wise, if you wish to contrast the offerings of these two challenger banks.

Additional considerations

3S Money is expanding its horizons all the time, constantly adding new currencies. In Q4 2022, 3S Money made a breakthrough in the Middle East, opening another potential market to account holders.


Is 3S Money a proper bank?

No, 3S Money is not a proper bank. It is a money transfer service that provides users with low-cost and secure international payments. Unlike banks, it does not offer any financial services such as deposits, loans or credit cards.

How to open a 3S Money business account?

To open a 3S Money business account, the first step is to sign up on the 3S Money website and provide your personal information such as name, address, email address and phone number. After that you need to enter your business details including its name, address and contact information. Finally, you will need to deposit an initial amount into your account.

What fees does 3S Money charge?

3S Money charges a flat transaction fee of 2% plus a fixed amount depending on the currency used. It also offers an optional chargeback protection service that protects merchants from fraud and unauthorised payments at a cost of 0.2-1%. Other fees may apply, such as an inactivity fee if your account has been dormant for more than 6 months.

What services does 3S Money offer?

3S Money offers many services for businesses, including international payments, online checkout and processing, currency conversion, merchant account integration and more. It also provides a number of security features to protect against fraud, such as Secure Socket Layer encryption and data storage compliance with the Payment Card Industry Data Security Standard (PCI-DSS). Additionally, customers can access their account information 24/7 through the 3S Money website.

What types of payments does 3S Money accept?

3S Money accepts all major credit cards, including Visa, Mastercard and American Express. It also supports alternative payment methods such as PayPal, Apple Pay, Alipay and WeChat Pay.

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Reviewed by , Managing Director


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