Anyone using 3SMoney business banking?
- Thread starter qarisiq
- Start date
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- Tags
- business banks
Quentin_Harlech
Registered Member
- Nov 6, 2025
- 97
- 46
Based on mixed reviews, proceed with caution for 3SMoney. They are legitimate but best for specific use cases.
Good for international/offshore businesses, multi-currency accounts (including GBP), and crypto-friendly operations. But higher fees than traditional banks, and customer support can be slow, leading to most negative reviews.
They are trusted for their niche, but if your business is straightforward and UK-based, a traditional UK bank or established neo-bank like Wise (for lower fees) is often a safer and cheaper choice.
Good for international/offshore businesses, multi-currency accounts (including GBP), and crypto-friendly operations. But higher fees than traditional banks, and customer support can be slow, leading to most negative reviews.
They are trusted for their niche, but if your business is straightforward and UK-based, a traditional UK bank or established neo-bank like Wise (for lower fees) is often a safer and cheaper choice.
- Nov 15, 2018
- 112
- 26
I know all of it, thanks. I want people who use or have used to share their experiences.
- Oct 21, 2025
- 105
- 31
I registered, but KYB verification took a month, so I canceled it.
- Nov 15, 2018
- 112
- 26
Did you pay the monthly fee?
Dammie
Registered Member
- Oct 20, 2025
- 50
- 33
They can be trusted, but “trust” depends on risk-profile you're okay with. If you’re holding a lot of cash, a fully licensed bank (like Starling) might feel safer. If you’re doing a lot of cross-border business, a fintech like Wise or Revolut could make more sense — just be aware of their safeguards and possible trade-offs.
Ascot_international
BANNED
- Apr 23, 2025
- 73
- 19
Using 3s Money is really a bad idea. Our experience with them is quite negative. We don't recommend them, there are better alternatives
Ascot_international
BANNED
- Apr 23, 2025
- 73
- 19
100% agree. I would also add:
- Depends on the countries you work with: some service providers will shut you down if you get money from countries they don't like even if they are legit countries (e.g. UAE is "banned" for some service providers).
- Depends on how large are the payments: some service providers will close your account if you move a lot of money at once (aka anything more than 100k)
- Depends on the crypto involvement you may want. Wise for example doesn't allow payments to exchanges (or most of them at least)
But 3S Money is definitely not the best option:
- They have (or used to have at least) an onboarding fee, specially if you don't want to wait for 3 months to get approved. Paying it doesn't guarantee that you will get the account.
- They have a monthly fee which is something that may affect how you manage the account (e.g. it's not interesting as a backup account)
- The fees are not that good
- The onboarding may takes ages. If there is anything complicated in your company or business, you will be answering questions for months.
We have a partnership agreement with them (still in force), but after the issues some clients had with them, we have never used or recommend them again.
If you want to submit an application with them, we with you good luck.
I have solution for your problem kindly share your contact so we can discus and go for long term business
Ascot_international
BANNED
- Apr 23, 2025
- 73
- 19
Did you try Tide? One of our clients is using it and he seems to be happy.