3S Money Club is an e-money institution focused on providing online banking service for cross-border businesses. 3S Money’s mission is to help foreign entrepreneurs to reach customers on new markets.

3S Money was launched by a team of experienced merchant bankers and FinTech professionals, all disillusioned with high-street banks that fail to understand the intricate workings and unique needs of businesses.

Another entity controlled by the 3S Money founders is 3S Capital Partners BV, an asset manager regulated by the Dutch authorities. This has a substantial UK regulatory and banking element at the core of its investment activities in the UK.

Offering

3S Money is a challenger bank specializing in international trade. Their flagship product includes local accounts in key European jurisdictions like the Netherlands, UK, Luxembourg, Denmark, and Germany, each equipped with multi-currency IBANs. These accounts empower businesses to seamlessly send and receive high-value international payments, simplifying cross-border transactions.

Catering primarily to SMEs, which often face challenges with traditional banking services, 3S Money extends its reach to clients in 190 countries worldwide, going beyond just the EU. Their services accommodate non-UK and non-EU foreign directors and shareholders, fostering inclusivity and accessibility.

Setting themselves apart, 3S Money places a strong emphasis on compliance and customer service. They strive to blend the traditional aspects of merchant banking with modern financial technology solutions, providing clients with a tailored and efficient banking experience. Each client benefits from dedicated personal managers who ensure transactions are processed smoothly, offering support round-the-clock.

Regulation

3S Money is:

• authorised by the Financial Conduct Authority under the Electronic Money Regulation
• regulated by the Dubai Financial Services Authority (DFSA) with DFSA reference number F007004
• authorised by the Commission de Surveillance du Secteur Financier (CSSF) under the law of 10 November 2009 on payment services

People

The company was founded in 2009 by Andrei Dikouchine and Ivan Zhiznevskiy and is headquartered in the City of London.

Costumer Reviews

Trustpilot: 4,7 Stars with 700+ Reviews

Conclusion

As 3S Money meets all our compliance criteria (legal entity, reviews, regulation…) for a positive rating, we rate them on GREEN!