3S Money (also stylised as 3s.money) is a London-based challenger bank, focusing on international trade. Its key product is local accounts in the Netherlands, UK, Luxembourg, Denmark and Germany with multi-currency IBANs that enable businesses to send and receive high-value international payments. The company also similarly provides international corporate accounts with multi-currency IBANs, and direct USD IBANs, addressed in the company’s name.

The company is especially adept at dealing with high-value international payments for SMEs, which are often underserved by traditional banks and modern payment platforms. 3S Money provides banking services for clients from 190 countries (not just the EU), helping cross-border businesses to enter new markets and operate across the globe. They accept non-UK and non-EU foreign directors and shareholders.

3S Money is also renowned for its approach to compliance and customer service, attempting to combine elements of the traditional merchant banking experience with modern financial technology solutions. 3S Money provides dedicated personal managers to each of its clients to provide them with around-the-clock service and ensure that their transactions are completed with minimal delay.