3S Money business account review
If your company regularly trades abroad, find out whether the multi-currency business accounts from 3S Money could work for you.

3S Money connects businesses to their customers around the world by offering local business accounts to send and receive funds globally. Its digital accounts can handle transactions in 65+ different currencies.
3S Money offers a multi-currency business bank account, with local IBANs in the UK, Netherlands and Luxembourg. There are 3 different plan types – Standard, Enterprise and Enterprise Plus.
All 3 plans offer a dedicated relationship manager and accounting integrations and all let businesses trade in more than 65 currencies, including euros and dollars. The accounts are designed to help your business send and receive high-value business payments around the world. However, there are some key differences between them:
The Standard plan costs €100 a month and Enterprise charges €300 a month. The Enterprise Plus plan has a custom fee.
Depending on the complexity of your business type, you may have to pay an onboarding fee on top.
Fees also apply to certain transactions, but exact costs depend on the plan type. For the Standard plan, for example, outgoing UK Faster Payments cost £2, payments to the Single Euro Payments Area (SEPA) zone cost €2, payments to UAE incur a 0.3% fee and payments to China incur a 0.6% fee. However, there are no charges to receive payments from the EU, UK, USA and UAE.
You can open a 3S Money business account completely online. To apply for the Standard or Enterprise plans, you will first need to use the online eligibility checker to see if you can apply. If you wish to open the Enterprise Plus plan you must contact 3S Money directly by emailing info@3s.money or phoning 0203 807 9645. There is also an online enquiry form you can use.
3S Money prides itself on the fact that it provides a human contact to guide you through the onboarding process rather than a chatbot. Each application is processed on a case-by-case basis, which means you may be able to open an account even if you’re a non-resident.
When opening your account, you will need to provide the following information:
3S Money is an e-money institution, which means money held within its accounts is not protected by the Financial Services Compensation Scheme (FSCS).
However, 3S Money is authorised by the Financial Conduct Authority (FCA) and your funds will be held in a segregated account that is protected by safeguarding requirements under the Electronic Money Regulations 2011. This means that if 3S were to become insolvent, you should get your money back.
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If your business regularly sends and receives large amounts of money in foreign currencies to and from different countries across the globe, the 3S Money accounts are certainly worth a look, particularly if you’re looking to make transfers quickly and efficiently.
However, when comparing your options, you’ll need to weigh up the cost of the hefty monthly fee to see whether it’s worth paying or whether an alternative account could work out cheaper overall.
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