נקודות מפתח
- 3S Money is a global payments platform aimed exclusively at businesses.
- It provides payment coverage across 190+ countries and 65+ local currencies, as well as GB, NL, LU, FR, and UAE IBANs.
- From our perspective, 3S Money’s limited choice of IBANs and high monthly prices are its weakest selling points.
- At Payset, we aim to offer more competitive pricing, IBAN coverage, and more.
3S Money is a global payments platform that’s focused on providing international payments and alternatives to the traditional financial system.
It originated in 2018 when founder and CEO Ivan Zhiznevsky launched a Netherlands-based company, but couldn’t obtain a bank account remotely. That led him to pitch 3S Money through a fintech accelerator program at Barclays.
Since then, 3S Money has expanded internationally, including by opening offices in Latvia, Amsterdam, and Dubai — most recently expanding to Hong Kong.
The company rebranded in 2023 and formally partnered with Barclays in 2024, further expanding its presence. But is it the best option for payments?
Why Choose 3S Money
3S Money offers a strong selection of business products, primarily focused around providing global business accounts and foreign exchange (FX) services.
The company splits its options into global and United Arab Emirates (UAE)-focused options. It serves businesses in many countries but excludes many prohibited countries. Business directors can be based in over 190 countries.
Its offerings are backed by substantial activity and growth. As of April 2026, 3S Money reported $5.9 billion in payments processed, 7 global offices, 4 licenses, 12 languages served, and more than 180 people on its team.
But those are just the basics, and it’s important to take into account other service details and potential drawbacks. So, is 3S Money right for you?
Core Products and Offerings
3S Money offers a set of core products, including:
- Global business accounts: Offering a choice of United Kingdom (GB), Netherlands (NL), Luxembourg (LU), and France (FR) IBANs.
- Global payments: Send and receive SWIFT and SEPA payments across 190 countries. Instant settlements without hidden fees are advertised.
- United Arab Emirates (DIFC) accounts: An additional account type focused on the UAE and the Middle East and North Africa (MENA) region.
- Currency wallets & FX exchange: Supporting the conversion of over 65 currencies, including the US dollar (USD), British pound (GBP), United Arab Emirates dirham (AED), and euro (EUR).
- Relationship management: Personal relationship managers that offer FX and payment support in more than 10 languages.
Pricing and Fees
3S Money’s global accounts come in three main tiers as of April 2026. The following describes most, but not all, features:
- Standard (€100 monthly): Offers UK (GB), Luxembourg (LU), and Dutch (NL) IBANs. Supports SWIFT/SEPA/Faster Payments (FPS). Includes a relationship manager and accounting integration. Limited to 2 users.
- Enterprise (€300 monthly): All of the above features, plus API integration and negotiable transaction fees. Limited to 5 account users.
- Enterprise Plus (Custom pricing): All of the above, plus specialised payment solutions and reduced FX rates. Limited to 10 account users.
3S Money additionally charges transaction עמלות based on account tier:
- UK Faster Payments (FPS): £1 for all tiers
- EUR SEPA: €1-2 depending on tier
- Payments to UAE: 0.10%-0.30% depending on tier
- Payments to China: 0.25%-0.60% depending on tier
- Receiving funds from EU, UK, US, and UAE: 0% for all tiers
Compliance and Deposit Protection
3S Money is licensed or regulated by authorities in four countries: the United Kingdom, Dubai, Luxembourg, and Hong Kong.
As an FCA-authorised electronic money institution, 3S Money is required to safeguard client funds in line with UK regulations. That means it segregates its own funds from client funds and stores them with multiple correspondent banks.
Because it doesn’t lend out money, 3S Money claims to have 100% liquidity, allowing it to quickly return funds if it is required to do so.
Like most EMIs, the company isn’t required to provide coverage under the UK’s Financial Services Compensation Scheme (FSCS).
Target Audiences
3S Money serves a range of industries. This includes e-commerce, travel and IT services, as well as asset managers, consultancies, education, holding companies, real estate, shipping and logistics, and more.
Let’s take a look at case studies in a few of those industries.
E-commerce
3S Money serves the e-commerce industry, including online marketplaces, dropshippers, fulfillment operators, and Direct-to-Consumer (DTC) sellers.
One case study is fashion company, Avery. 3S Money reports helping Avery overcome challenges around online access and high fees, allowing it to more easily pay suppliers in China and receive funds from European customers.
Travel and Tourism
3S Money caters to the travel and tourism industry, spanning travel agencies, yacht brokers, aviation firms, luxury services, and more.
Scuba and travel company Dive and Cruise is one such client. It faced challenges accepting payments in multiple currencies from customers in Europe. It also needed to pay suppliers in the Philippines, China, and Thailand. 3S Money says that its payment solution helped Dive and Cruise accomplish this.
IT Services
3S Money serves IT firms, including software developers, consultancies, tech startups, managed service providers, and SaaS platforms.
One case study is KODE, a software development firm in Montenegro that received poor service at other providers. After developing for 3S Money in 2018, KODE turned to the payments company for its own use and is said to have achieved easier transactions and streamlined operations in doing so.
What Are 3S Money’s Biggest Limitations?
We see certain shortcomings in 3S Money’s service options:
- Expensive starting tiers: Standard tier pricing starts at €100 monthly, and a previously offered €25 monthly “starter” plan is not currently shown.
- Limited IBAN choices: 3S Money has three main IBAN options: UK, Luxembourg, and the Netherlands, with mentions of France and UAE IBANs elsewhere. Competitors may provide broader options.
- No payment cards: 3S Money does not mention physical or virtual payment cards, nor has it mentioned plans to introduce these.
- No personal accounts: The company only serves business users.
- Multi-user limits: 3S Money’s main subscription tiers offer support for 2, 5, and 10 users, which may be unworkable for larger teams.
- Unclear onboarding times: Though 3S Money advertises a 15-minute application process, it does not state how many days users should expect to wait before they are approved to start using their account.
How Does 3S Money Compare to Payset
| Business accounts: No monthly fees as of April 2026 (*may be a limited-time offer) | 3S Money |
| Web access and an upcoming mobile app | Web access plus mobile app |
| Business accounts: No monthly fees as of April 2026 (*may be a limited time offer) | Business accounts: €100-€300 monthly, plus custom pricing tiers |
| Personal accounts: No monthly fees as of April 2026 (*may be a limited time offer) | No personal accounts advertised |
| Free sign-up | No sign-up fees mentioned |
| Transact in 180+ countries and operate from 70+ countries | Transact in 190+ countries and operate in permitted countries |
| Hold, send, and receive 34+ currencies | Access 65+ local currencies |
| Payment cards coming in 2026 | Payment cards not advertised |
| Bulk payments (see details) | Batch payments |
| Team management (see details) | 2-10 account users, depending on plan |
| No transfer limits once compliance requirements are met (see details) | No transaction limits |
| Regulated in the UK as an EMI and able to serve customers in other regions | Regulated in four jurisdictions: UK (EMI), Dubai, Hong Kong & Luxembourg |
| 1-3 business day onboarding | Onboarding time not advertised |
| UK safeguarding policy | UK safeguarding policy |
| Friendly to crypto and many other sectors; mainly prohibits adult content and illegal activity | Restrictions on certain high-risk jurisdictions and activities in line with compliance requirements |
The Bottom Line
3S Money is a good choice for businesses, especially those in the EU and MENA, with strong support for global currencies and payment channels.
However, we see certain weaknesses in its coverage: especially its high-priced standard account, its limited choice of IBAN locations, and its focus on enterprises, combined with a lack of personal accounts.
At Payset, we aim to provide affordable cross-border payment services that are just right for businesses of any size and individuals working at any scale.
Payset users get numerous IBAN and account regions to choose from, the ability to transact in over 180 countries and 34 currencies, and FX access.
You’ll also enjoy zero sign-up fees (plus waived monthly rates for a limited time), making us a highly affordable choice for almost everyone.
Ready to sign up? Get started today!
Disclaimer: Pricing, features, and details on this page are based on competing websites at the time of writing (April 2026). Details may change over time, vary by region, and do not cover all service options offered by competitors. Users should verify details with competitors. Payset does not endorse or represent any competitor, nor have competitors endorsed the above content. Payset and related parties disclaim liability for any errors or actions taken based on this content. Information is for general purposes only and offered at the user’s own risk.
References
https://3s.money/solutions/global-accounts
https://3s.money/help-centre/compliance-and-security/who-is-3s-money-regulated-by
https://3s.money/help-centre/compliance-and-security/how-is-my-money-protected
