Merchant Machine

Airwallex VS 3S Money: Business Banking Review & Fee Comparison


By: Ian Wright | Last Updated: May 22, 2025

Is Airwallex or 3S Money better for your small business?



Compare UK Business Bank Accounts

Powered By BusinessBankAccounts.co.uk



Below we look at both Airwallex and 3S Money reviews on Trustpilot along with their App reviews from Apple and Google.

We then look at typical fees, business savings rates, foreign currency options and a whole bunch of other account features to help you make up your mind.

Airwallex Homepage
Airwallex Homepage


3S Money Homepage
3S Money Homepage
 

Airwallex vs 3S Money Trustpilot Reviews

Airwallex3S Money
Trustpilot Review Score (out of 5)3.94.7
Percent 5-Star Reviews67%93%
Percent 1- Star Reviews25%5%
Total Number of Reviews1,007730
Sources:
https://www.trustpilot.com/review/airwallex.com
https://www.trustpilot.com/review/3s.money

Airwallex vs 3S Money App Reviews

Airwallex3S Money
iPhone Review Score (out of 5)3.3No Rating
Number of iPhone Reviews12No Reviews
Android Review Score (out of 5)2.3No Rating
Number of Android Reviews161No Reviews
Sources:
https://apps.apple.com/gb/app/airwallex/id1537521807
https://www.apple.com/uk/app-store/

Airwallex vs 3S Money Account Fees & Charges

Airwallex3S Money
Free Business Bank AccountYesNo
Free Business Account Term Length1 monthNA
Cheapest Monthly Account FeeFree or £19/month$100
Most Expensive Monthly Account Fee£999/month$100
Electronic Payment Cost (in/out)20pFree + 60p
Cash Payments Cost (in/out)FreeFree
Cheques (in/out)Free£1
CHAPS Payments CostNo£20
SEPA Payments Cost$2€1

Airwallex vs 3S Money Business Savings Rates

Airwallex3S Money
Types of Business Savings AccountsNoneNone
Lowest Savings Rate (AER)NANA
Maximum Savings Rate (AER)NANA
Minimum Savings AmountNANA
Interest Paid On Foreign CurrenciesYesNo
 

Airwallex vs 3S Money Account Opening Times

Airwallex3S Money
Can You Apply Online?YesYes
How Long Does Opening An
Account Typically Take?
15 minutes15 minutes
Do They Check Your Credit?NoYes
Current Account Switch ServiceNoYes

Airwallex vs 3S Money Features & Account Types

Airwallex Account Types
Airwallex Features & Account Types


3S Money Account Types
3S Money Features & Account Types


Airwallex3S Money
Business Current AccountYesYes
Business Savings AccountNoNo
Business Credit CardNoNo
Business OverdraftNoNo
Accounts For StartupsYesYes
Accounts For CharitiesNoYes
Accounts For Sole TradersYesYes
Joint Business Accounts AvailableNoYes
Card TypeMastercardMastercard
Online BankingYesYes
Mobile BankingYesNo
In Person/Branch BankingNoNo
Branch LocationsNone, online onlyNone, online only

Airwallex vs 3S Money Customer Support Options

Airwallex3S Money
Phone Support AvailableYesYes
Email Support AvailableYesYes
App Based Support YesNo
Web Based SupportYesYes
In person Customer SupportNoNo

Airwallex vs 3S Money Foreign Currency Accounts

Airwallex3S Money
US Dollar (USD) Bank AccountsYesYes
Euro (EUR) Bank AccountsYesYes
Other Currencies Available:
  • AUD
  • NZD
  • CAD
  • HKD
  • SGD
  • JPY
  • CHF
  • KRW
No

Other Business Services From Airwallex and 3S Money

Airwallex Account Types
Other Airwallex Services


3S Money Account Types
Other 3S Money Services


Airwallex3S Money
Business LoansNoNo
Commercial MortgagesNoNo
Invoice FinancingNoNo
International PaymentsYesYes
Merchant Payment ServicesYesYes
Card MachinesNoNo
Free Accounting SoftwareNoYes

Airwallex vs 3S Money Banking Basics

Airwallex3S Money
Bank TypeChallengerChallenger
FSCS ProtectionNoNo
FCA Number900876900918
WebsiteAirwallex Website3S Money Website

Common Comparison Questions

Does Airwallex or 3S Money have better customer reviews?

Airwallex scores 3.9 out of 5 based 1,007 Trustpilot reviews. Of these reviews 67% are 5-star and 25% are 1-star.

Whereas, 3S Money scores 4.7 out of 5 based 730 Trustpilot reviews. Of which 93% are 5-star and 5% are 1-star.

Does Airwallex or 3S Money have a better App?

Airwallex’s iPhone App is rated 3.3 out of 5 based on 12 reviews. And it’s Android App is rated 2.3 out of 5 based on 161 reviews.

In comparison, 3S Money’s iPhone App is rated No Rating out of 5 based on No Reviews reviews. And it’s Android App is rated No Rating out of 5 based on No Reviews reviews.

Does Airwallex or 3S Money have better business savings rates?

Airwallex offers the following types of business savings accounts: None with interest rates ranging from NA to NA. (AER)

In contrast, 3S Money offers None accounts with interest rates ranging from NA to NA (AER).

See Other Comparisons:
Airwallex vs MultiPass
Airwallex vs Reliance Bank
Airwallex vs SumUp Business Account
Airwallex vs Cambridge & Counties Bank
Airwallex vs Recognise Bank


For other business bank accounts see our guide here.

 



Please note: Merchant Machine is an information and comparison website only.
We do not provide merchant services nor can we recommend which solution is right for you and your business.
Blog · About · Privacy Policy · Terms of Use · Contact Us
Copyright © 2025 Brilliant British Ltd trading as Merchant Machine

Registered Office Address:
3rd Floor Great Titchfield House, 14-18 Great Titchfield Street, London, United Kingdom, W1W 8BD
Company number 10490224