{"id":438509,"date":"2022-02-08T11:34:12","date_gmt":"2022-02-08T11:34:12","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=438509"},"modified":"2026-02-16T09:00:27","modified_gmt":"2026-02-16T09:00:27","slug":"3s-money-business-account-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/business-banking\/3s-money-business-account-review","title":{"rendered":"3S Money business account review"},"content":{"rendered":"<p>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.<\/p><h3> What types of business accounts are on offer?<\/h3><p>3S Money offers a multi-currency business bank account, with local IBANs in the UK, Netherlands and Luxembourg. There are 3 different plan types \u2013 Standard, Enterprise and Enterprise Plus.<\/p><p>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: <\/p><ul><li><strong>Standard:<\/strong> This plan only allows up to 2 account holders and is suitable for UK and EU based businesses with up to 5 beneficial owners and monthly transaction volumes of less than \u20ac100,000.<\/li><li><strong>Enterprise:<\/strong> This plan allows up to 5 account holders and includes negotiable transaction fees and custom API integrations. It\u2019s suitable for importers and exporters, real-estate managers, wholesalers and businesses with global monthly transaction volumes of less than \u20ac10 million.<\/li><li><strong>Enterprise Plus:<\/strong> This plan also includes specialised payment solutions, reduced foreign exchange rates and up to 10 account users. It is designed for holding companies, asset managers, financial institutions, private aviation and businesses with monthly transactions of more than \u20ac10 million.<\/li><\/ul><h3>What types of fees are there to pay?<\/h3><p>The Standard plan costs \u20ac100 a month and Enterprise charges \u20ac300 a month. The Enterprise Plus plan has a custom fee. <\/p><p>Depending on the complexity of your business type, you may have to pay an onboarding fee on top.<\/p><p>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 \u00a32, payments to the Single Euro Payments Area (SEPA) zone cost \u20ac2, 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. <\/p><h3>How to apply<\/h3><p>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.<\/p><p>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\u2019re a non-resident.<\/p><p>When opening your account, you will need to provide the following information:<\/p><ul><li>A shareholder register<\/li><li>A signed resolution document<\/li><li>Evidence of funds<\/li><li>Details of your business activities<\/li><li>Where your company is based<\/li><li>How long it\u2019s been operational<\/li><li>Which countries you\u2019ll be paying and receiving funds to and from<\/li><\/ul><h3>Is 3S Money safe?<\/h3><p>3S Money is an e-money institution, which means money held within its accounts is not protected by the Financial Services Compensation Scheme (FSCS). <\/p><p>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.<\/p><h3>Pros and cons<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Able to send and receive high-value business payments around the world<\/li>\n                                    <li>Can handle transactions in 65+ currencies<\/li>\n                                    <li>Dedicated personal manager for your account<\/li>\n                                    <li>Same-day transfers available<\/li>\n                                    <li>Local IBANs offered<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>High monthly charges<\/li>\n                                    <li>Strict eligibility criteria<\/li>\n                                    <li>No FSCS protection<\/li>\n                                    <li>Fees for certain transactions<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Customer service information for 3S Money<\/h3><table class=\"i_infobox product_infobox has-margin-bottom\">\n<tbody>\n<tr>\n<th>Email support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Telephone support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>In-app or live chat<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Contact form<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Branch support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<\/tbody>\n<\/table><h3>Our verdict<\/h3><p>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\u2019re looking to make transfers quickly and efficiently. <\/p><p>However, when comparing your options, you\u2019ll need to weigh up the cost of the hefty monthly fee to see whether it\u2019s worth paying or whether an alternative account could work out cheaper overall. <\/p>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">What countries are not accepted?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>3S Money currently doesn't work with businesses in Afghanistan, the Bahamas, Barbados, Botswana, Cambodia, Crimea, North Korea, Ghana, Iran, Iraq, Jamaica Mauritius, Myanmar, Nicaragua, Pakistan, Panama, Syria, Trinidad and Tobago, Uganda, Vanuatu, Yemen, Cuba, Eritrea, Mali, Palestine Somalia, South Sudan and Venezuela.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">What type of businesses pay an onboarding fee?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Onboarding fees are calculated based on your business type and complexity. 3S Money will review your application and inform you of the onboarding fee before you open your account.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">What is a SEPA transfer?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>This is a way to securely process international transactions. SEPA stands for Single Euro Payments Area, which means transactions can only be carried out in euros. SEPA transfers are primarily used by members within the European Union as well as the UK.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">What is a SWIFT transfer?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>SWIFT stands for The Society of Worldwide Interbank Financial Telecommunication and is a standardised method for handling international payments quickly and securely.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000004\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000004\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Discover more about the multi-currency business accounts from 3S Money.<\/p>\n","protected":false},"author":1047,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3786],"tags":[],"asset_tag":[],"class_list":["post-438509","post","type-post","status-publish","format-standard","hentry","category-business-banking"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>3S Money business account review - Finder UK<\/title>\n<meta name=\"description\" content=\"We look at how 3S Money\u2019s multi-currency business accounts work to see if they are right for you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/business-banking\/3s-money-business-account-review\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3S Money business account review\" \/>\n<meta property=\"og:description\" content=\"We look at how 3S Money\u2019s multi-currency business accounts work to see if they are right for you.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/business-banking\/3s-money-business-account-review\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2022-02-08T11:34:12+00:00\" \/>\n<meta name=\"author\" content=\"Rachel Wait\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/rachelwait?lang=en\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rachel Wait\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/business-banking\/3s-money-business-account-review#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/business-banking\/3s-money-business-account-review\"},\"author\":{\"name\":\"Rachel Wait\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/531b4649d053a94fb7388e896df73218\"},\"headline\":\"3S Money business account review\",\"datePublished\":\"2022-02-08T11:34:12+00:00\",\"dateModified\":\"2025-06-27T12:04:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/business-banking\/3s-money-business-account-review\"},\"wordCount\":1006,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"articleSection\":[\"Business Banking\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"copyrightYear\":\"2022\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Financial Services Compensation Scheme\",\"url\":\"https:\/\/www.fscs.org.uk\/\"}],\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/business-banking\/3s-money-business-account-review\",\"url\":\"https:\/\/www.finder.com\/uk\/business-banking\/3s-money-business-account-review\",\"name\":\"3S Money business account review - 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