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Kent Reliance VS 3S Money: Business Banking Review & Fee Comparison


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

Is Kent Reliance or 3S Money better for your small business?



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Below we look at both Kent Reliance 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.

Kent Reliance Homepage
Kent Reliance Homepage


3S Money Homepage
3S Money Homepage
 

Kent Reliance vs 3S Money Trustpilot Reviews

Kent Reliance3S Money
Trustpilot Review Score (out of 5)44.7
Percent 5-Star Reviews61%93%
Percent 1- Star Reviews22%5%
Total Number of Reviews2,104730
Sources:
https://www.trustpilot.com/review/www.kentreliance.co.uk
https://www.trustpilot.com/review/3s.money

Kent Reliance vs 3S Money App Reviews

Kent Reliance3S 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/

Kent Reliance vs 3S Money Account Fees & Charges

Kent Reliance3S Money
Free Business Bank AccountNoNo
Free Business Account Term LengthNANA
Cheapest Monthly Account FeeFree$100
Most Expensive Monthly Account FeeFree$100
Electronic Payment Cost (in/out)£10Free + 60p
Cash Payments Cost (in/out)£1Free
Cheques (in/out)£1£1
CHAPS Payments Cost£10£20
SEPA Payments CostNo€1

Kent Reliance vs 3S Money Business Savings Rates

Kent Reliance3S Money
Types of Business Savings AccountsEasy access, Notice Account, Fixed rate, Business savingsNone
Lowest Savings Rate (AER)0.10%NA
Maximum Savings Rate (AER)5.13%NA
Minimum Savings Amount£1,000NA
Interest Paid On Foreign CurrenciesNoNo
 

Kent Reliance vs 3S Money Account Opening Times

Kent Reliance3S Money
Can You Apply Online?YesYes
How Long Does Opening An
Account Typically Take?
10 minutes15 minutes
Do They Check Your Credit?YesYes
Current Account Switch ServiceNoYes

Kent Reliance vs 3S Money Features & Account Types

Kent Reliance Account Types
Kent Reliance Features & Account Types


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


Kent Reliance3S Money
Business Current AccountNoYes
Business Savings AccountYesNo
Business Credit CardNoNo
Business OverdraftNoNo
Accounts For StartupsYesYes
Accounts For CharitiesYesYes
Accounts For Sole TradersYesYes
Joint Business Accounts AvailableYesYes
Card TypeNoneMastercard
Online BankingYesYes
Mobile BankingNoNo
In Person/Branch BankingYesNo
Branch LocationsLocations in Kent onlyNone, online only

Kent Reliance vs 3S Money Customer Support Options

Kent Reliance3S Money
Phone Support AvailableYesYes
Email Support AvailableYesYes
App Based Support NoNo
Web Based SupportYesYes
In person Customer SupportYesNo

Kent Reliance vs 3S Money Foreign Currency Accounts

Kent Reliance3S Money
US Dollar (USD) Bank AccountsNoYes
Euro (EUR) Bank AccountsNoYes
Other Currencies Available:NoNo

Other Business Services From Kent Reliance and 3S Money

Kent Reliance Account Types
Other Kent Reliance Services


3S Money Account Types
Other 3S Money Services


Kent Reliance3S Money
Business LoansYesNo
Commercial MortgagesYesNo
Invoice FinancingNoNo
International PaymentsNoYes
Merchant Payment ServicesNoYes
Card MachinesNoNo
Free Accounting SoftwareNoYes

Kent Reliance vs 3S Money Banking Basics

Kent Reliance3S Money
Bank TypeChallengerChallenger
FSCS ProtectionYes, up to £85,000No
FCA Number530504900918
WebsiteKent Reliance Website3S Money Website

Common Comparison Questions

Does Kent Reliance or 3S Money have better customer reviews?

Kent Reliance scores 4 out of 5 based 2,104 Trustpilot reviews. Of these reviews 61% are 5-star and 22% 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 Kent Reliance or 3S Money have a better App?

Kent Reliance’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 Kent Reliance or 3S Money have better business savings rates?

Kent Reliance offers the following types of business savings accounts: Easy access, Notice Account, Fixed rate, Business savings with interest rates ranging from 0.10% to 5.13%. (AER)

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

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


For other business bank accounts see our guide here.

 



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