3S Money Club – 
Digital Merchant Banking

UK account and multi-currency IBANs to send and receive high-value business payments

Trade without borders

3S Money Club is an online banking service focusing on international trade


Trade with
emerging markets


Money Transfers for International Corporates: traders, holdings and financial institutions

Same-day payments in the UK, Europe, Russia, China and EMEA

Collect, pay and exchange GBP, EUR, USD and 30+ other currencies

Modern banking 
in the City of London

We’re one of the select group of businesses located at Barclay’s Rise, the “home of FinTech”, in the heart of the London FinTech cluster and just a short walk from the City’s financial district.

Our head offices are located at 
41 Luke Street, London EC2 4DP. 

All our clients’ funds are safeguarded in segregated accounts with top-tier banks. We maintain 100% liquidity.
3S Money Club is an authorised electronic money institution regulated by the United Kingdom’s Financial Conduct Authority

Join the club

Membership is available to entrepreneurs with global ambition and a proven track record in their industry. An enhanced due diligence assessment applies to all candidates and includes an examination of the company’s business model and main counterparties. A face-to-face interview is a fundamental part of the welcoming and onboarding process.  

and exporters

service providers



Merchants paying and collecting globally, with a particular emphasis on ‘emerging markets’

IT developers, digital advertisers, marketplaces

Holdings, providing liquidity and acquiring interest and gains from their international assets

Asset managers, making investments and distributing profits

No chatbots, only humans

Talk to us. A dedicated personal manager is assigned to every 3S Money Club member. That means there’s always someone who understands the nature of your transactions and your payments don’t get stuck. You will never walk alone. 

No robots or chatbots, only human support. Personal manager.


Our fantastic London office at Rise is closed due to quarantine until further notice: our team works remotely but there’s no change to level of service our clients get. We want to express our gratitude to Tony Margiotta and his team for 2 month rent holiday. Stay safe, we hope to see you very soon!
In times like these, when the world is turned upside down because of the COVID-19 virus, everyone feels the need not just for collective action, but for change. The business community must adapt to circumstances and work as one. Here are some simple solutions we’ve developed to help our clients in this challenging situation:
The opening of Russian Business Week 2020 took place at the end of last week – we couldn’t have missed it and sent our co-founder, Andrei Dikouchine, to deliver a lecture on innovations in global payment systems.

Basic fee schedule

Collections are free

Because this is a business account, which requires ongoing transaction monitoring and controls we charge a monthly fee and a fixed payment fee, that is not linked to a payment amount.

Membership starts from
Pounds £ 50
Fixed payments for transactions
Euro 2.0
Pounds £ 0.6
International 50

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