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Swan

Swan

European Embedded Banking

VS

3S Money

UK, EU and UAE-incorporated businesses such as importers/exporters, wholesalers and real-estate managers that need multi-currency accounts for high-value international transfers.

3S Money
Fees from
Per-transaction pricing vs Standard: €100 / monthly — UK Faster Pay £1; EUR SEPA €2; Payments to UAE 0.30%; Payments to China 0.60%; Receive from EU, UK, US and UAE 0%. Enterprise: €300 / monthly — UK Faster Pay £1; EUR SEPA €1; Payments to UAE 0.15%; Payments to China 0.45%; Receive from EU, UK, US and UAE 0%. Enterprise Plus: Bespoke / monthly. *Based on selected plan a fixed cost could be applicable, please view our fees plan for more information
Features

0 shared

2 unique to Swan
Regions

0 shared

1 unique to Swan
Pay methods

1 shared

4 unique to Swan · 3 unique to 3S Money
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
2 features · 8 payment methods · 1 regions. We don't rank these — they're here for reference.
Swan Swan
3S Money 3S Money
Quick Facts
Fees
Standard transaction rate
Per-transaction pricing
Standard: €100 / monthly — UK Faster Pay £1; EUR SEPA €2; Payments to UAE 0.30%; Payments to China 0.60%; Receive from EU, UK, US and UAE 0%. Enterprise: €300 / monthly — UK Faster Pay £1; EUR SEPA €1; Payments to UAE 0.15%; Payments to China 0.45%; Receive from EU, UK, US and UAE 0%. Enterprise Plus: Bespoke / monthly. *Based on selected plan a fixed cost could be applicable, please view our fees plan for more information
Settlement
Time to receive funds
1–3 business days
—
Founded
2019
—
Headquarters
Paris, France
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Swan leads (2 vs 0)
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Swan leads (5 vs 4)
Bank Transfer Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Direct Debit Unique
✓
—
Faster Payments Unique
—
✓
Sepa
✓
✓
Swift Unique
—
✓
Virtual Account Unique
—
✓
Regions
Swan leads (1 vs 0)
Europe Unique
✓
—

Swan is best when you...

European Embedded Banking
Need Recurring Payments
Not available with 3S Money
Need Startup Friendly
Not available with 3S Money
Want coverage in Europe
3S Money doesn't cover this region
View Swan

3S Money is best when you...

UK, EU and UAE-incorporated businesses such as importers/exporters, wholesalers and real-estate managers that need multi-currency accounts for high-value international transfers.
View 3S Money

Frequently Asked Questions

What is the difference between Swan and 3S Money?
They share 1 payment method and 0 regions. Swan adds Bank Transfer, Credit Card, Debit Card and 1 more that 3S Money does not list; 3S Money adds Faster Payments, SWIFT, Virtual Account that Swan does not list; Swan also covers Europe; only Swan offers Recurring Payments, Startup Friendly.
Which is cheaper, Swan or 3S Money?
Swan has published rates from Per-transaction pricing; 3S Money has published rates from Standard: €100 / monthly — UK Faster Pay £1; EUR SEPA €2; Payments to UAE 0.30%; Payments to China 0.60%; Receive from EU, UK, US and UAE 0%. Enterprise: €300 / monthly — UK Faster Pay £1; EUR SEPA €1; Payments to UAE 0.15%; Payments to China 0.45%; Receive from EU, UK, US and UAE 0%. Enterprise Plus: Bespoke / monthly. *Based on selected plan a fixed cost could be applicable, please view our fees plan for more information. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Swan and 3S Money?
Swan lists 1 region and 5 payment methods; 3S Money lists 0 and 4. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Swan and 3S Money compare on integration and settlement?
Swan offers a sandbox, 3S Money does not list one; Swan supports webhooks; Swan publishes a settlement time of 1–3 business days.

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