3S Money is a financial technology company providing multi-currency accounts and international payment services for businesses and global citizens. It is an Electronic Money Institution, not a bank, and states that it is regulated in the UK, Luxembourg, the UAE and Hong Kong. Its online business accounts can include local IBANs in the UK, Netherlands, Luxembourg, France and the UAE, without requiring branch visits.

Customers can send and receive SWIFT and SEPA payments from more than 190 countries, and hold, exchange or automatically convert funds in over 65 currencies. The company also offers business debit cards and tailored support from dedicated Relationship Managers, including industry-specific payment and foreign exchange guidance. Account onboarding is conducted remotely, with support through eligibility checks and compliance requirements.

For individuals, 3S Money provides personal accounts for global citizens, with multi-currency payments and international transfers. Its services are designed to help customers manage cross-border finances, business spending and international growth through a digital platform and personalised assistance