Help Centre: Your Questions, Answered

Frequently Asked Questions

3S Money is a cross-border payment platform that offers multi-currency business accounts. By combining innovative financial technology with private banking standards, we provide businesses with the tools they need to scale new markets.
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3S Money is an Electronic Money Institution (EMI). As an EMI, we can do everything a commercial bank does but better. Our client-first, tech-based approach means we can help any business, anywhere, access the fastest, most innovative, and safest banking solutions.
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The core features of a 3S Money International Business Account are:
- Global access: collect and send payments in 65+ currencies & 190+ countries.
- Human support: every 3S Money account is assigned a dedicated Client Manager.
- Complete control: one business account for all entities and subsidiaries.
- Online account: remote access for global, collaborative, and borderless business banking.
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We offer two main accounts: Standard International Business Account and Bespoke International Business Account. Each account has a personal Client Manager and the option to open 65+ currency accounts and local IBANs in the UK, Germany, and Luxembourg.
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3S Money is for everyone, everywhere. We accept directors and shareholders from 190+ countries and territories & work with businesses that traditional banks may ignore. Whether you're an importer/exporter, manufacturer, ecommerce entrepreneur, asset manager, family office administrator, or all the above - we have an account for you.
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Opening an account with 3S Money couldn’t be easier. Simply complete our quick application form and receive pre-approval in under 15 minutes. We only need a few details about you, your business, and your international payment needs. Our team will take care of the rest.
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To support your application, you will need to provide us with the following personal and professional documents:

For all company directors, major shareholders, and account operators:
- Valid passport.
- EU/EEA National ID card.
- Proof of address.
For the business:
- Company Registry Extract (no older than six months).
- A document confirming the company's good standing, management, and shareholding structure.
- Shareholder Register.
The monthly fee for our Standard International Business Account is $100 p/month. Bespoke International Business Account holders will pay a custom maintenance fee. All incoming international SWIFT transfers are free and outgoing payments start from $1 - with no transfer limits.
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With advanced encryption technology, robust compliance protocols, and elite banking partners - your funds have never been safer. 3S Money is licenced by the Financial Conduct Authority in the UK, the Commission de Surveillance du Secteur Financier in Luxembourg, and the Dubai Financial Services Authority in Dubai & MENA.
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We have dedicated sales, onboarding, and payment teams in six global offices – so help is always available. Head over to our Contact page and leave us a message or pick up the phone and give us a call - we'd love to hear from you.
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