Global accounts
Open a global online business account worldwide - add IBANs for GB, NL, LU, FR & AE. No branch visits required.
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Global payments
Send and receive unlimited SWIFT and SEPA payments from 190+ countries with instant settlement & no hidden fees.
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Currency wallets & FX
Benefit from bank-beating exchange rates and automated conversions in USD, GBP, AED, EUR and 65+ currencies.
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Private relationship management
Partner with a personal Relationship Manager and receive specialised industry payment and FX support in 10+ languages.
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Business debit cards
Simplify international business spending with debit cards, giving you expense management and control in one place
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Personal accounts
Designed for global citizens, with personalised support, multi-currency payments and international transfers
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The journey so far...
Founded in 2018, 3S Money emerged where tradition fell behind, creating a seamless and more sophisticated standard - without the limits of a private bank
2026
Launched in Paris
3S Money's new Paris office boosts our European reach, empowering international businesses to scale faster, expand confidently, and unlock greater growth.
2025
Launched in Hong Kong
A pivotal step in expanding 3S Money’s global reach - giving our clients seamless access to Asia Pacific’s fast-growing markets and deepening our support across international trade corridors.
2024
Barclays partnership & language expansion
Six years after joining Barclays Rise, we signed formal partnership terms with Barclays to offer our clients business accounts in USD, GBP, EUR, and AED. We also launched our website in French and Arabic to support our growing international client network.
2023
Growth milestone
Our hard work was recognised with a top-three ranking in London's fastest-growing companies list.
2022
Won awards & secured more licences in Dubai and Luxembourg
We secured licenses in Luxembourg and Dubai while being honoured with the Best Online Cross-Border Banking Services and Payments Provider award. We’re starting to rapidly scale our operations now.
2022
Moved into our new London HQ
Outgrowing our initial space at Barclays Rise, we proudly inaugurated our new Folgate Street HQ in London’s financial district, a testament to our rapid growth and ambition.
2021
We opened our Amsterdam & Dubai offices
Little over two years after we first expanded into Europe, we celebrated the grand opening of our new Amsterdam office. If that wasn’t exciting enough, we officially set up our home in the Dubai International Financial Centre.
2019
Our first regional office & FCA licence
Our expansion began with our office opening in Riga, Latvia, now our technical nerve centre. We also received our operational licence from the UK’s Financial Conduct Authority, which led to the creation of our first ever SWIFT code.
2018
Where it all began
From a single chair at Barclays Rise, we established our banking partnership with Currency Cloud, introduced our Dutch IBANs and welcomed our first London employee, Senior Developer, Jaime Brito.
Meet the team
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Eugene Dugaev
CTO & Founder
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Ivan Zhiznevsky
CEO & Founder
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Andrei Dikouchine
Chairman & Founder
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Evan Kaldelis
Global Deputy CEO
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Andrea Noormann
CEO Europe
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Tom Herring
Global Chief Commercial Officer
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Paul Wright
Non-Executive Director
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Angela Knight
Head of Risk and Compliance & Board Member
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© 3S Money Club Limited 2019-2026. All rights reserved. 3S Money and 3s.money are trading names of 3S Money Club Limited. 3S Money Club Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for issuing of electronic money and the provision of payment services with FCA registration number 900918. 3S Money Club Limited is registered in England and Wales, Company Number 8574246, with its registered office address at 45 Folgate Street, London, E1 6GL, United Kingdom. 3S Money Club Limited is registered with The United Kingdom Information Commissioner's Office with ICO registration number ZA495485. 3S Money Club Limited (DIFC Branch) is regulated by the Dubai Financial Services Authority (DFSA) with DFSA reference number F007004, authorising it under Article 48 of the Regulatory Law 2004 to carry on the Financial Services comprised in Issuing Payment Instruments and Providing or Operating a Payment Account. 3S Money Club Limited (DIFC Branch) is registered in Dubai International Financial Centre, Licence Number CL5587, with its registered office address at Central Park Towers, Office 17-37, DIFC, Dubai, UAE. 3S Money (Luxembourg) S.A. is authorised by the Commission de Surveillance du Secteur Financier (CSSF) under the law of 10 November 2009 on payment services for issuing, distribution and refund of electronic money with CSSF registration number W00000016. 3S Money (Luxembourg) S.A. is registered in Luxembourg, R.C.S number B245715, with its registered office address at 25C, Boulevard Royal, L- 2449, Luxembourg, Grand Duchy of Luxembourg