“Can a multi-jurisdiction EMI beat traditional correspondent banking for globally trading SMEs by combining local IBANs, high-touch relationship management, and multi-currency FX?”
3S Money is a UK-founded EMI providing multi-currency business accounts and cross-border SWIFT/SEPA payments for internationally trading SMEs. It has built its own regulated footprint in the UK (FCA), Luxembourg (CSSF), and UAE (DFSA) rather than relying on third-party BaaS — the platform is explicitly not a bank but an e-money institution. The product proposition combines local IBANs in GB, NL, LU, FR and AE, 65+ currency wallets, and a dedicated relationship manager targeted at high-value international B2B flows.
3S MONEY discloses 3S Money Club Limited (in-house) and 3S Money (Luxembourg) S.A. (in-house) as its banking providers, according to the Embedded Finance Index 2026.
3S MONEY does not disclose a bank charter of its own; its banking services are provided through 3S Money Club Limited (in-house) and 3S Money (Luxembourg) S.A. (in-house).
3S MONEY processes payments through 3S Money (self-operated). Disclosed money-movement rails: SWIFT, SEPA and Faster Payments.
3S MONEY's cards run on Mastercard.
3S MONEY uses 3S Money (self-operated) for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 5 layers in 3S MONEY's stack: Payments / PSP (3S Money (self-operated)); Money movement (SWIFT, SEPA and Faster Payments); Banking / BaaS (3S Money Club Limited (in-house) and 3S Money (Luxembourg) S.A. (in-house)); Card network (Mastercard); FX & payouts (3S Money (self-operated)).
3S MONEY is founded in 2018 and headquartered in London, England, United Kingdom.
3S MONEY has raised £6.5M in total.
Get a read on where your own stack stands against 3S MONEY and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.