3S MONEY
“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?”
Founded2018
HQLondon, England, United Kingdom
Total raised£6.5M
IndustryFintech / Cross-border payments
The story
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.
Last 12 months
—
Product timeline
0
Obtained FCA EMI authorisation (registration 900918) via 3S Money Club Limited· banking
0
Expanded into Luxembourg via 3S Money (Luxembourg) S.A. under CSSF supervision· banking
0
Launched DFSA-regulated UAE entity for Middle East corridor· banking
2018
Founded in London as an international multi-currency business account and payments platform· banking
Regulated entities
3
regulatory licences held by 3S MONEY
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
5 layers disclosed in 3S MONEY’s embedded-finance stack
Payments / PSP
3S Money (self-operated)
Money movement
in the full report
Banking / BaaS
in the full report
Card network
in the full report
FX & payouts
in the full report
Accounting gap: significant
7 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.