Providers · Business accounts
3S Money
4 plans in our database · licensed as EMI, PSP
Data last verified: 21 August 2026
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Plans & fees
| Plan | Type | Monthly fee | Setup | FX fee | SWIFT out |
|---|---|---|---|---|---|
| Standard | business | €100/mo | €100 | n/a | €15 |
| Enterprise | business | €300/mo | €100 | n/a | €10 |
| Enterprise Plus | business | Bespoke | €100 | n/a | €1 |
| DIFC (UAE) | business | Bespoke | €100 | n/a | Free |
* Some FX rates are “from” or “up to”. ⚠ “from” = starting price (variable pricing) - the final fee depends on your profile. “Bespoke” = custom pricing on request. Compare across providers on the fee tables.
What you get
Hold up to 58 currencies · local account details in AED, EUR, GBP.
Regulation
Regulated or registered in United Kingdom, United Arab Emirates, Luxembourg, Hong Kong SAR China.
Regulators: FCA · DFSA · CSSF · Hong Kong Customs and Excise Department
In the fine print
Conditions from 3S Money's own terms, pricing pages and acceptable-use policy that don't fit in a table. Read in full and checked by hand.
Pricing
- The account opening fee starts at 100 EUR and can be higher for complex structures, companies from countries outside the EU/UK/UAE, non-resident UBOs, or high-risk sectors.
- A minimum balance of 3x the monthly fee is required.
- The GBP account is a UK IBAN on Faster Payments and BACS, included on the Standard, Enterprise and Enterprise Plus plans. Outgoing payments cost £1 on all EU plans.
- The euro account comes with Dutch and Luxembourg IBANs on SEPA and SEPA Instant, and is included on the Standard, Enterprise and Enterprise Plus plans. An outgoing payment costs €2 on Standard and €1 on Enterprise and Enterprise Plus.
Limits
- 3S Money does not publish transaction limits for this plan.
- 3S Money does not publish transaction limits for the DIFC plan either.
Payments & transfers
- Payments to and from Crimea, Donetsk and Luhansk are also blocked.
- The bank's own published country lists disagree on Myanmar, Syria, and Trinidad and Tobago: each appears on both the allowed and the blocked payment lists.
- Funds on this account are always held in USD, a currency pegged to the dirham at 1 USD = 3.6725 AED.
Sanctions
- Crimea, Donetsk and Luhansk are excluded.
Licence & regulation
- Operates through two entities: a UK entity (3S Money Ltd) serving EU and global clients, and a DIFC (Dubai) entity serving the UAE.
Will 3S Money actually accept you?
Acceptance depends on where your company is registered, where its owners live, where your money flows - and your sector. The wizard checks 3S Money's published rules on all of them, and shows you the alternatives too.
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