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Danske Bank UK VS 3S Money: Business Banking Review & Fee Comparison


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

Is Danske Bank UK or 3S Money better for your small business?



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Below we look at both Danske Bank UK 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.

Danske Bank UK Homepage
Danske Bank UK Homepage


3S Money Homepage
3S Money Homepage
 

Danske Bank UK vs 3S Money Trustpilot Reviews

Danske Bank UK3S Money
Trustpilot Review Score (out of 5)24.7
Percent 5-Star Reviews12%93%
Percent 1- Star Reviews71%5%
Total Number of Reviews24730
Sources:
https://www.trustpilot.com/review/danskebank.co.uk
https://www.trustpilot.com/review/3s.money

Danske Bank UK vs 3S Money App Reviews

Danske Bank UK3S Money
iPhone Review Score (out of 5)4.4No Rating
Number of iPhone Reviews2,900No Reviews
Android Review Score (out of 5)4.4No Rating
Number of Android Reviews2,890No Reviews
Sources:
https://apps.apple.com/gb/app/mobile-bank-uk-danske-bank/id1365361930
https://www.apple.com/uk/app-store/

Danske Bank UK vs 3S Money Account Fees & Charges

Danske Bank UK3S Money
Free Business Bank AccountYesNo
Free Business Account Term Length24 MonthsNA
Cheapest Monthly Account Fee£7$100
Most Expensive Monthly Account Fee£48$100
Electronic Payment Cost (in/out)45pFree + 60p
Cash Payments Cost (in/out)90p / £1.40 per £100Free
Cheques (in/out)80p / 90p per item£1
CHAPS Payments Cost£20£20
SEPA Payments CostNo€1

Danske Bank UK vs 3S Money Business Savings Rates

Danske Bank UK3S Money
Types of Business Savings AccountsBusiness Investment Account, Fixed Term DepositNone
Lowest Savings Rate (AER)1.65%NA
Maximum Savings Rate (AER)4.60%NA
Minimum Savings Amount£1NA
Interest Paid On Foreign CurrenciesYesNo
 

Danske Bank UK vs 3S Money Account Opening Times

Danske Bank UK3S Money
Can You Apply Online?YesYes
How Long Does Opening An
Account Typically Take?
10 Working days15 minutes
Do They Check Your Credit?YesYes
Current Account Switch ServiceYesYes

Danske Bank UK vs 3S Money Features & Account Types

Danske Bank UK Account Types
Danske Bank UK Features & Account Types


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


Danske Bank UK3S Money
Business Current AccountYesYes
Business Savings AccountYesNo
Business Credit CardYesNo
Business OverdraftYesNo
Accounts For StartupsYesYes
Accounts For CharitiesYesYes
Accounts For Sole TradersYesYes
Joint Business Accounts AvailableYesYes
Card TypeMastercardMastercard
Online BankingYesYes
Mobile BankingYesNo
In Person/Branch BankingYesNo
Branch LocationsNothern Ireland olyNone, online only

Danske Bank UK vs 3S Money Customer Support Options

Danske Bank UK3S Money
Phone Support AvailableYesYes
Email Support AvailableYesYes
App Based Support YesNo
Web Based SupportYesYes
In person Customer SupportYesNo

Danske Bank UK vs 3S Money Foreign Currency Accounts

Danske Bank UK3S Money
US Dollar (USD) Bank AccountsYesYes
Euro (EUR) Bank AccountsYesYes
Other Currencies Available:
  • Swiss franc (CHF)
  • Swedish krona (SEK)
  • Danish krone (DKK)
  • Norwegian krone (NOK)
  • Polish zloty (PLN)
  • Hungarian forint (HUF)
  • Czech koruna (CZK)
  • Romanian leu (RON)
No

Other Business Services From Danske Bank UK and 3S Money

Danske Bank UK Account Types
Other Danske Bank UK Services


3S Money Account Types
Other 3S Money Services


Danske Bank UK3S Money
Business LoansYesNo
Commercial MortgagesYesNo
Invoice FinancingYesNo
International PaymentsYesYes
Merchant Payment ServicesYesYes
Card MachinesNoNo
Free Accounting SoftwareNoYes

Danske Bank UK vs 3S Money Banking Basics

Danske Bank UK3S Money
Bank TypeChallengerChallenger
FSCS ProtectionYes, up to £85,000No
FCA Number122261900918
WebsiteDanske Bank UK Website3S Money Website

Common Comparison Questions

Does Danske Bank UK or 3S Money have better customer reviews?

Danske Bank UK scores 2 out of 5 based 24 Trustpilot reviews. Of these reviews 12% are 5-star and 71% 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 Danske Bank UK or 3S Money have a better App?

Danske Bank UK’s iPhone App is rated 4.4 out of 5 based on 2,900 reviews. And it’s Android App is rated 4.4 out of 5 based on 2,890 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 Danske Bank UK or 3S Money have better business savings rates?

Danske Bank UK offers the following types of business savings accounts: Business Investment Account, Fixed Term Deposit with interest rates ranging from 1.65% to 4.60%. (AER)

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

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


For other business bank accounts see our guide here.

 



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