🇬🇧3S Money: British account for cross-border companies and RUB inbound

Partner, Corporate & Commercial

Concept

3S Money — British fintech headquartered in London, founded in 2018. Serves cross-border business in Britain, EU, UAE and Hong Kong. Main currencies — EUR, GBP, AED, HKD, CHF, PLN, CZK; USD supported selectively, focus on European and Middle Eastern rails.

3S Money operates through four licenses:UK FCA(3S Money Club Limited, EMI900918),CSSF Luxembourg(3S Money Lux, EMI),DFSA Dubai(3S Money Dubai),CED Hong Kong(MSO). Clients are distributed across these four entities depending on company jurisdiction and geography of operations.From 7 May 2026 new FCA safeguarding rules came into force in UKfor EMI — 3S Money (as UK EMI) falls under tightened client funds custody regime.

Private.lawas 3S Money partner

Private.law— official introducer partner of 3S Money. We submit applications through partner channel with dedicated manager on 3S side. In practice this matters for profiles with Belarusian or Russian connection (with CLEAN source of funds): 3S has more flexible KYC policy compared to Wise and most other EMIs, provided clean package.

What 3S Money does

• Multi-currency accountin 30+ currencies: EUR, GBP, AED, HKD, CHF, PLN, CZK, JPY, AUD, CAD, SGD, ZAR and others. USD supported on limited basis — from 2024 incoming USD payments from US typically blocked, outgoing possible selectively.
• RUB inbound from Raiffeisen in Russia.Rare and important feature — 3S Money one of few providers accepting ruble from Russia through Raiffeisen Bank International. Conversion immediately to EUR/GBP.
• SWIFT and local railsin Britain (Faster Payments), EU (SEPA), UAE (UAE EFT), Hong Kong (FPS).
• Currency exchangevia dealing desk — negotiable rates for large transactions.
• Corporate cardsprovided on request after account approval.
• Individual pricing— baseline from £100/month maintenance + 0.5–1% outgoing + 0.5% incoming; high-risk profiles — higher.

Application

Cross-border company with RUB revenue from Russia

Most typical 3S Money use case. UK Ltd or UAE company receives revenue in RUB from Russian counterparty (no sanctions, clean source). Rubles come through Raiffeisen, converted to EUR/GBP, go to settlements in EU/UK or dividend payout. Before sanctions against Raiffeisen this was only working channel for rouble inbound to Europe.

UAE company with Middle Eastern settlements

Freezone company in RAK ICC or DMCC, clients in EU and GCC, suppliers in India and China. 3S provides AED details, EUR/GBP for EU, outgoing to India and China via SWIFT. UAE entity under DFSA gives softer KYC for Middle Eastern clients.

EU company with rare currencies

PLN, CZK, HUF, RON — Central and Eastern European currencies that Wise supports selectively and Airwallex barely covers. 3S provides local EUR SEPA details and local PLN/CZK payouts without SWIFT fees.

Mandatory requirements

• UK / EU / UAE / HKcompany jurisdictions.
• Clear business model.Detailed KYC package: website, LinkedIn, CV, history of bank accounts, source of funds documents.
• Clean source of funds.Especially important for clients with Russian or Belarusian connection.
• UBO not on sanctions lists.Sanctioned persons — rejection.

Opening throughprivate.law

1. KYC package preparation.Detailed: formation documents, passports, source of funds with documentary evidence, history of bank accounts, business description ½ page.3–5 business days.
2. Submission through partner channel.Introducer gets direct contact at 3S, explains profile and use case.
3. Compliance review. 2–4 weeksdepending on complexity.
4. Approval and individual pricing quote.
5. Payment of onboarding fee and account activation.

Total timeline — 3–6 weeks.Longer than other neobanks; in return — more flexible KYC for complex profiles.

Russians and Belarusians: accepted selectively

3S Money — one of few providers working with profiles with Russian or Belarusian connection under strict conditions.

Not suitable for

• Standard SME with simple USD/EUR operations.Wise cheaper and faster.
• Companies with zero USD inbound from US.3S handles this poorly.
• Acquiring.Not an acquirer.
• Crypto, gambling, adult.Prohibited.
• Startups with minimal turnover.Won't pay off.

Related materials

• Neobanks
• Wise Business
• Airwallex
• Equals Money
• UAE COMPANY
• CFC

Contact information

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