# 3S Money — Payment Provider

3S Money is an electronic money institution offering multi-currency business accounts for sending and receiving high-value transfers in USD, EUR, GBP, AED and 65+ other currencies. Accounts come with local GB, LU and NL IBANs, access to SWIFT, SEPA and Faster Payments, FX conversion and a dedicated relationship manager. It offers Global and UAE (DIFC) accounts and says it is regulated in the UK (FCA), Luxembourg (CSSF), the UAE (DFSA) and Hong Kong (CED).

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** 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.
- **Fees:** 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
- **Fee model:** subscription
- **Categories:** baas
- **Countries served:** 29 (AE, AT, BE, BG, CY, CZ, DE, DK, EE, ES, FI, FR, …)
- **Payment methods:** faster_payments, sepa, swift, virtual_account

## Legal & compliance

Legal entities:
- 3S Money (Luxembourg) S.A. — Luxembourg — licenses: E-Money Institution, LU, CSSF
- 3S Money Club Limited — United Kingdom — licenses: E-Money Institution, GB, FCA

2 license numbers and 2 register records (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/3s-money#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=3s-money&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/3s-money

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)