3S Money
3S Money is a UK-licensed Electronic Money Institution offering multi-currency business accounts, SWIFT/SEPA payments, local IBANs across the UK, Netherlands, Luxembourg, France, and UAE, and FX services — serving international businesses shut out of traditional banking across 67 countries and 54 industries.
- Company typePrivate
- Founded2019
- HeadquartersLondon, United Kingdom
- Headcount101–250
- GTM typeB2B
- OfferingServices
What 3S Money does
3S Money Club Limited is a UK-incorporated Electronic Money Institution (EMI) providing multi-currency business accounts and cross-border payment services to international businesses. The company is authorised by the Financial Conduct Authority (FCA) in the United Kingdom, the Commission de Surveillance du Secteur Financier (CSSF) in Luxembourg, and the Dubai Financial Services Authority (DFSA) in DIFC, and holds a Hong Kong CED registration. It operates from a London headquarters with additional offices in Luxembourg, Dubai, and (as of March 2026) Paris, with self-reported presence in seven global offices serving clients in 67 countries across 54 industries and customer support in 12 languages. Co-founded by Ivan Zhiznevskiy (CEO), Andrei Dikouchine (CFO), and Eugene Dugaev (CTO), the company has raised approximately $11M across six disclosed funding rounds between 2018 and 2022, led by TMT Investments and Maxfield Capital.
The core platform centres on Global Accounts (local IBANs in the UK, Netherlands, Luxembourg, France, and UAE), Global Payments (SWIFT and SEPA transfers from 190+ countries with instant settlement), and Currency Wallets & FX (automated conversions across USD, GBP, AED, EUR, and 65+ currencies). The technology stack relies on direct SWIFT and FX connectivity to partner banks — Barclays, Emirates NBD, and Raiffeisen Bank International — with safeguarding accounts and a multi-level, two-factor authentication security layer delivered through a web-based client portal and mobile application.
Revenue is generated through three streams: (i) monthly recurring subscription fees (Standard €100/month, Enterprise €300/month, Enterprise Plus bespoke); (ii) tiered transaction fees that decrease at higher plans across corridors including UK Faster Payments, EUR SEPA, UAE, and China; and (iii) usage-based FX margins. Distribution is a hybrid of self-serve online account opening (welcome.3s.money) and a high-touch dedicated Relationship Manager model supported by WhatsApp, designed to convert businesses excluded from traditional banking due to jurisdiction, corporate structure, or complexity.
3S Money firmographics
Firmographics- Name
- 3S Money
- Legal name
- 3S Money Club Limited
- Website
- https://3s.money
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- 3S Money is a UK-licensed Electronic Money Institution offering multi-currency business accounts, SWIFT/SEPA payments, local IBANs across the UK, Netherlands, Luxembourg, France, and UAE, and FX services — serving international businesses shut out of traditional banking across 67 countries and 54 industries.
- Ownership category
- akta.pro rank
3S Money industry classification
Industry- Product category
- International Business Banking
- NAICS
- Miscellaneous Intermediation (523910)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)
- akta.pro secondary industry
- Cross-Border & FX Payments Platforms (BPAMAFAK)
Keywords
Where 3S Money is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices4 records
Markets served
3S Money business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Monthly Subscription Fees: Recurring monthly management fees charged per account tier (Standard: €100/month, Enterprise: €300/month, Enterprise Plus: bespoke pricing). Fees are paid in advance from the 15th of the preceding calendar month.
- Transaction Fees: Per-transaction fees for various payment types: UK Faster Pay £1, EUR SEPA €2 (Standard) / €1 (Enterprise), Payments to UAE 0.30% (Standard) / 0.15% (Enterprise) / 0.10% (Enterprise Plus), Payments to China 0.60% (Standard) / 0.45% (Enterprise) / 0.25% (Enterprise Plus). Receiving payments from EU, UK, US and UAE free.
- Currency Exchange/FX Margins: Revenue generated through exchange rate margins on currency conversions. FX rates offered on the platform with margins built into the rate. More favourable rates available at higher transaction volumes.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard plan for UK and EU-based businesses with up to 5 beneficiary owners and monthly transaction volumes below €100K |
| Subscription | Monthly | Mid-tier plan for businesses with complex structures and global transaction volumes below €10M |
| Subscription | Multi-year contract | Premium bespoke plan for large businesses with very complex international structures and monthly transactions above €10M |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
3S Money product offering
Product offeringCore offering
3S Money is a licensed Electronic Money Institution (EMI) that provides international business banking services through a multi-currency account platform. The company enables businesses to open online accounts with local IBANs in the UK, Netherlands, Luxembourg, France, and UAE, send and receive unlimited SWIFT and SEPA payments from 190+ countries, and exchange 65+ currencies at competitive FX rates. Services are offered across three pricing tiers (Standard, Enterprise, Enterprise Plus) and supported by dedicated personal Relationship Managers.
Product overview
3S Money is a multi-currency business banking platform offering a unified suite of international payment and FX services. The core platform centers on Global Accounts (providing local IBANs across UK, Netherlands, Luxembourg, France, and UAE), Global Payments (SWIFT and SEPA transfers from 190+ countries), and Currency Wallets & FX (automated conversions across USD, GBP, AED, EUR and 65+ currencies). These core products are delivered across three pricing tiers: Standard (€100/month) for small UK/EU businesses, Enterprise (€300/month) for mid-volume international traders, and Enterprise Plus (bespoke) for large organizations above €10M monthly transactions. The platform adds value through Expert Support (dedicated Relationship Managers in 10+ languages) and Business Debit Cards as optional add-ons. The service is regulated by the FCA (UK), CSSF (Luxembourg), and DFSA (UAE/DIFC), positioning it as a compliant alternative to traditional bank accounts for businesses with cross-border payment needs.
Differentiator
Problem solved
Functional benefit
Products and services
- Global Accounts Online business account platform that enables businesses to open accounts and add local IBANs for the UK (GB), Netherlands (NL), Luxembourg (LU), France (FR), and UAE (AE) without requiring branch visits. Designed for businesses with cross-border payment and multi-currency holding needs.
- Global Payments Payment platform allowing unlimited SWIFT and SEPA payments from 190+ countries with instant settlement and transparent pricing. Supports UK Faster Payments, EUR SEPA, and payments to UAE and China with tiered transaction fees.
- Currency Wallets & FX
- Expert Support (Private Relationship Management)
- Business Debit Cards
- Personal Accounts
Quantifiable outcome
- Save up to 50% on transaction fees with Enterprise plan vs Standard
- +3 more outcomes
Companies that use 3S Money
Customer profileSegments9 records
Ideal customer profiles2 records
3S Money technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature4 records
3S Money partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- BarclayscorePartner bank providing safeguarding accounts and banking infrastructure. 3S Money has direct SWIFT and FX connectivity with Barclays as one of its core banking partners.
- Emirates NBDcorePartner bank providing banking services, particularly supporting UAE market operations and local payment infrastructure.
- Raiffeisen Bank InternationalcorePartner bank providing European banking connectivity and support for cross-border payments within the EU region.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
3S Money competitors and assessment
Company assessmentDirect peers
- Wise: UK-headquartered multi-currency account and cross-border payments platform serving consumers and businesses across 70+ countries. Closest direct peer to 3S Money in multi-currency business accounts, SWIFT/SEPA connectivity, and transparent corridor pricing.
- Airwallex: Hong Kong/Australia-headquartered cross-border payments and multi-currency business accounts platform serving SMBs and enterprises globally. Direct competitor in local IBAN issuance (HK, UK, EU, US), SWIFT connectivity, and FX margin economics.
- Revolut Business: UK-headquartered digital bank's business tier offering multi-currency accounts, SEPA/SWIFT payments, and FX across 30+ currencies. Direct peer in the UK/EU SMB cross-border segment with broader consumer base.
- Payoneer: US-listed cross-border payments platform offering multi-currency receiving accounts, FX, and mass payouts for SMBs, marketplaces, and freelancers. Direct peer in cross-border payment orchestration and global receiving-account infrastructure.
- Mercury: US-headquartered business banking platform for startups and tech companies offering multi-currency accounts, wires, and API-first treasury operations. Comparable in targeting tech and SMB segments with modern digital banking UX, though US-domestic focus differs.
- Brex: US-headquartered corporate cards and business banking platform with international accounts, FX, and bill pay. Comparable in serving tech-forward SMBs and enterprises with multi-currency treasury infrastructure.
- LianLian Global: China-headquartered cross-border payments platform offering multi-currency receiving accounts and FX for Chinese exporters and global e-commerce merchants. Direct peer in the China-corridor cross-border payment segment where 3S Money charges 0.25–0.60%.
- PingPong: China/US-headquartered cross-border payment platform serving e-commerce sellers with multi-currency receiving accounts and FX. Direct peer in the SMB cross-border payments segment, particularly China and emerging-market corridors.
Emerging players
- Stripe Treasury: Embedded banking-as-a-service offering from Stripe providing multi-currency accounts, FX, and treasury infrastructure via partner banks. Comparable in serving tech and e-commerce segments with programmable banking, but distributes via platforms rather than direct SMB acquisition.
Broad incumbents
- HSBC Global Wallet: Global tier-1 bank's embedded multi-currency wallet and cross-border payment product for SMB and corporate clients across 200+ markets. Broad incumbent offering overlapping corridors (UAE, UK, EU) with 3S Money but distributed through traditional banking channels.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
3S Money compliance and trust
Trust signalCompliance4 records
3S Money financial estimates
Financial estimateRevenue estimate
Valuation estimate
3S Money leadership team
Management profileNumber of profiles
Profiles2 records
3S Money subsidiaries and ownership
Company hierarchySubsidiaries1 record
3S Money funding detail
Funding detailFunding overview
Funding rounds6 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
3S Money M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 3S Money
What does 3S Money do?
3S Money is a licensed Electronic Money Institution (EMI) that provides international business banking services through a multi-currency account platform. The company enables businesses to open online accounts with local IBANs in the UK, Netherlands, Luxembourg, France, and UAE, send and receive unlimited SWIFT and SEPA payments from 190+ countries, and exchange 65+ currencies at competitive FX rates. Services are offered across three pricing tiers (Standard, Enterprise, Enterprise Plus) and supported by dedicated personal Relationship Managers.
Is 3S Money a public or private company?
3S Money is a private company. It is classified as venture growth investor backed and is currently operating.
When was 3S Money founded?
3S Money was founded in 2019. It employs 101 to 250 people.
Where is 3S Money based?
3S Money is headquartered in London, United Kingdom, in the Europe region.
How does 3S Money make money?
Three revenue lines are on record. Monthly Subscription Fees are the primary driver. The others are transaction Fees and currency Exchange/FX Margins.
Who are 3S Money's main competitors?
Direct peers on record are Wise, Airwallex, Revolut Business, Payoneer, Mercury, Brex, LianLian Global and PingPong. Stripe Treasury is listed as an emerging player. HSBC Global Wallet is listed as a broad incumbent.
Does 3S Money have an API?
No public API is recorded for 3S Money.
What industry is 3S Money in?
3S Money's product category is International Business Banking. Its primary akta.pro industry code is FSAMAIAG, Multi-Currency Accounts, Wallets & IBAN Services, with a secondary code of BPAMAFAK, Cross-Border & FX Payments Platforms. Its NAICS code is 523910 and its SIC code is 6199.