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Cater Allen VS 3S Money: Business Banking Review & Fee Comparison


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

Is Cater Allen or 3S Money better for your small business?



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Below we look at both Cater Allen 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.

Cater Allen Homepage
Cater Allen Homepage


3S Money Homepage
3S Money Homepage
 

Cater Allen vs 3S Money Trustpilot Reviews

Cater Allen3S Money
Trustpilot Review Score (out of 5)1.94.7
Percent 5-Star Reviews7%93%
Percent 1- Star Reviews80%5%
Total Number of Reviews136730
Sources:
https://www.trustpilot.com/review/www.caterallen.co.uk
https://www.trustpilot.com/review/3s.money

Cater Allen vs 3S Money App Reviews

Cater Allen3S Money
iPhone Review Score (out of 5)No RatingNo Rating
Number of iPhone ReviewsNo ReviewsNo Reviews
Android Review Score (out of 5)No RatingNo Rating
Number of Android ReviewsNo ReviewsNo Reviews
Sources:
https://www.apple.com/uk/app-store/
https://www.apple.com/uk/app-store/

Cater Allen vs 3S Money Account Fees & Charges

Cater Allen3S Money
Free Business Bank AccountNoNo
Free Business Account Term LengthNANA
Cheapest Monthly Account FeeFree$100
Most Expensive Monthly Account Fee£25$100
Electronic Payment Cost (in/out)£2Free + 60p
Cash Payments Cost (in/out)FreeFree
Cheques (in/out)£6£1
CHAPS Payments Cost£25£20
SEPA Payments Cost£2€1

Cater Allen vs 3S Money Business Savings Rates

Cater Allen3S Money
Types of Business Savings AccountsFixed Term, Notice AccountNone
Lowest Savings Rate (AER)3.00%NA
Maximum Savings Rate (AER)4.70%NA
Minimum Savings AmountNoNA
Interest Paid On Foreign CurrenciesYesNo
 

Cater Allen vs 3S Money Account Opening Times

Cater Allen3S Money
Can You Apply Online?YesYes
How Long Does Opening An
Account Typically Take?
7 days15 minutes
Do They Check Your Credit?YesYes
Current Account Switch ServiceNoYes

Cater Allen vs 3S Money Features & Account Types

Cater Allen Account Types
Cater Allen Features & Account Types


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


Cater Allen3S Money
Business Current AccountYesYes
Business Savings AccountYesNo
Business Credit CardNoNo
Business OverdraftNoNo
Accounts For StartupsYesYes
Accounts For CharitiesYesYes
Accounts For Sole TradersYesYes
Joint Business Accounts AvailableYesYes
Card TypeMastercardMastercard
Online BankingYesYes
Mobile BankingYesNo
In Person/Branch BankingNoNo
Branch LocationsNone, online and phone onlyNone, online only

Cater Allen vs 3S Money Customer Support Options

Cater Allen3S Money
Phone Support AvailableYesYes
Email Support AvailableYesYes
App Based Support NoNo
Web Based SupportYesYes
In person Customer SupportNoNo

Cater Allen vs 3S Money Foreign Currency Accounts

Cater Allen3S Money
US Dollar (USD) Bank AccountsYesYes
Euro (EUR) Bank AccountsYesYes
Other Currencies Available:
  • CHF (Swiss Franc)
  • CAD (Canadian Dollar)
  • AUD (Australian Dollar)
  • NZD (New Zealand Dollar)
  • SGD (Singapore Dollar)
  • HKD (Hong Kong Dollar)
No

Other Business Services From Cater Allen and 3S Money

Cater Allen Account Types
Other Cater Allen Services


3S Money Account Types
Other 3S Money Services


Cater Allen3S Money
Business LoansNoNo
Commercial MortgagesNoNo
Invoice FinancingNoNo
International PaymentsYesYes
Merchant Payment ServicesNoYes
Card MachinesNoNo
Free Accounting SoftwareNoYes

Cater Allen vs 3S Money Banking Basics

Cater Allen3S Money
Bank TypeHigh StreetChallenger
FSCS ProtectionYes, up to £85,000No
FCA Number178737900918
WebsiteCater Allen Website3S Money Website

Common Comparison Questions

Does Cater Allen or 3S Money have better customer reviews?

Cater Allen scores 1.9 out of 5 based 136 Trustpilot reviews. Of these reviews 7% are 5-star and 80% 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 Cater Allen or 3S Money have a better App?

Cater Allen’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.

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 Cater Allen or 3S Money have better business savings rates?

Cater Allen offers the following types of business savings accounts: Fixed Term, Notice Account with interest rates ranging from 3.00% to 4.70%. (AER)

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

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


For other business bank accounts see our guide here.

 



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