3S Money is a multi-currency account option that is regulated in the UK, Dubai, and Luxembourg.

The company offers access to over 65 currencies and batch payments.

Better exchange rates and more IBAN account support are available based on the amount of spend per month.

The account is tiered, and the pricing model lends itself better to bigger businesses and enterprises.

Overview

Basics

Monthly Fee*

Exchange rate

Transfer fees

IBAN accounts

Starter: $25,

Standard: $100

Enterprise: $300

Enterprise Plus: Custom pricing

Based on plan

3 IBAN accounts (UK, NL, LUX)

*what is included in each tier is outlined below

Visit 3S Money

Pros

Standard ($100 pm) and Enterprise ($300 pm) users can save significantly on transfer fees and cross border payments
Ability to set up more complex, potentially cross market, business structures than with some 'out-of-the-box' providers on the market
A great option for businesses with a specific need for support on operations in Dubai and across the UAE

Cons

Fewer number of IBAN accounts than competitors, but offers access to over 65 currencies for sending transactions

Other features

Features	Insight
Batch payments	Batch payments can be made as part of Standard plans and above
Security	Funds held in accounts of partner banks, giving an extra layer of protection against some EMIs
Customer service options	3S Money has one of the larger options for customer service, with support available in 12 countries
Integrations	The multi-currency platform integrates with Xero
No transaction limits	3S Money has no limits on the amount of money that can be involved in a cross-border payment

Fees and what's included per account

Feature	Starter	Standard	Enterprise	Enterprise Plus
Overview	For businesses with one direct beneficiary owner in the UK or EU (excluding Cyprus & Malta).	For businesses with up to 5 direct beneficiary owners in the UK, EU, or UAE.	For businesses with complex structures in any accepted jurisdiction.	For large businesses with specialized or complex international structures.
Price	$25/month	$100/month	$300/month	Bespoke
Customer Service	12 languages	12 languages	12 languages	12 languages
Transaction Fee Savings	N/A	34%	53%	71%
Account Users	1	2	5	10
Personal Relationship Manager	No	Yes	Yes	Yes
API Integrations	No	No	No	Yes
Access to Payment Networks	SWIFT, SEPA, Faster Payments	SWIFT, SEPA, Faster Payments	SWIFT, SEPA, Faster Payments	SWIFT, SEPA, Faster Payments
Local IBAN's	UK, NL, LUX	UK, NL, LUX	UK, NL, LUX	UK, NL, LUX

Although 3S Money charges for the account subscription, the fees are lower compared to other companies with subscriptions. For example, Payset account fees start from £95.

3S Money payment charges

There are set fees for using 3S Money for making payments - these are PER transfer:

Transfer type	Starter	Standard	Enterprise	Enterprise Plus
Outgoing SEPA / Local / Domestic	5 USD	2 USD	1 USD	1 USD
Outgoing SWIFT / International	20 USD	10 USD	5 USD	1 USD
Incoming SWIFT / International	10 USD	5 USD	FREE	FREE
Incoming / Outgoing within 3S Money	FREE	FREE	FREE	FREE

Then on top of this, based on where the money is going, there may also be a second charge:

	Starter	Standard	Enterprise	Enterprise Plus
Area 1	0.00%	0.00%	0.00%	0.00%
Area 2	0.40%	0.30%	0.15%	0.10%
Area 3	0.55%	0.40%	0.25%	0.15%
Area 4	0.70%	0.50%	0.35%	0.20%
Area 5	0.85%	0.60%	0.45%	0.25%
Area 6	1.00%	0.70%	0.55%	0.30%
Area 7	1.25%	0.85%	0.65%	0.40%
Area 8	1.50%	1.00%	0.75%	0.50%

The Areas of these charges are:

Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Hungary, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom

Eligibility

Business types

Countries

3S Money API

3S Money also offers API access to streamline part of cross-border financial management.

Open local accounts and provide clients access to local payment methods
Automate and sync payments
Provide international payment services to clients
Fully regulated and licensed by the FCA, CSSF and DFSA (DIFC)

Explore the 3S Money API

Products offered by 3S Money

Signing up for 3S Money

Check Your Eligibility

Complete the eligibility form on the 3S Money website, providing details about your business operations and international payment needs. If your business meets the criteria, you'll be invited to proceed.

Create Your Account

Gather and submit proof of ID and address for key individuals in your business. 3S Money will verify your information through a Know Your Customer (KYC) process.

Welcome Call

You'll receive a welcome call from the 3S Money Sales team to discuss your specific payment needs and answer any questions you may have.

Final Compliance Checks

The compliance team will review your application. Once approved, your account manager will finalize your account details and assist with any required transfers.