Is Kent Reliance or 3S Money better for your small business?
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 vs 3S Money Trustpilot Reviews
Kent Reliance | 3S Money | |
Trustpilot Review Score (out of 5) | 4 | 4.7 |
Percent 5-Star Reviews | 61% | 93% |
Percent 1- Star Reviews | 22% | 5% |
Total Number of Reviews | 2,104 | 730 |
https://www.trustpilot.com/review/www.kentreliance.co.uk
https://www.trustpilot.com/review/3s.money
Kent Reliance vs 3S Money App Reviews
Kent Reliance | 3S Money | |
iPhone Review Score (out of 5) | No Rating | No Rating |
Number of iPhone Reviews | No Reviews | No Reviews |
Android Review Score (out of 5) | No Rating | No Rating |
Number of Android Reviews | No Reviews | No Reviews |
https://www.apple.com/uk/app-store/
https://www.apple.com/uk/app-store/
Kent Reliance vs 3S Money Account Fees & Charges
Kent Reliance | 3S Money | |
Free Business Bank Account | No | No |
Free Business Account Term Length | NA | NA |
Cheapest Monthly Account Fee | Free | $100 |
Most Expensive Monthly Account Fee | Free | $100 |
Electronic Payment Cost (in/out) | £10 | Free + 60p |
Cash Payments Cost (in/out) | £1 | Free |
Cheques (in/out) | £1 | £1 |
CHAPS Payments Cost | £10 | £20 |
SEPA Payments Cost | No | €1 |
Kent Reliance vs 3S Money Business Savings Rates
Kent Reliance | 3S Money | |
Types of Business Savings Accounts | Easy access, Notice Account, Fixed rate, Business savings | None |
Lowest Savings Rate (AER) | 0.10% | NA |
Maximum Savings Rate (AER) | 5.13% | NA |
Minimum Savings Amount | £1,000 | NA |
Interest Paid On Foreign Currencies | No | No |
Kent Reliance vs 3S Money Account Opening Times
Kent Reliance | 3S Money | |
Can You Apply Online? | Yes | Yes |
How Long Does Opening An Account Typically Take? | 10 minutes | 15 minutes |
Do They Check Your Credit? | Yes | Yes |
Current Account Switch Service | No | Yes |
Kent Reliance vs 3S Money Features & Account Types


Kent Reliance | 3S Money | |
Business Current Account | No | Yes |
Business Savings Account | Yes | No |
Business Credit Card | No | No |
Business Overdraft | No | No |
Accounts For Startups | Yes | Yes |
Accounts For Charities | Yes | Yes |
Accounts For Sole Traders | Yes | Yes |
Joint Business Accounts Available | Yes | Yes |
Card Type | None | Mastercard |
Online Banking | Yes | Yes |
Mobile Banking | No | No |
In Person/Branch Banking | Yes | No |
Branch Locations | Locations in Kent only | None, online only |
Kent Reliance vs 3S Money Customer Support Options
Kent Reliance | 3S Money | |
Phone Support Available | Yes | Yes |
Email Support Available | Yes | Yes |
App Based Support | No | No |
Web Based Support | Yes | Yes |
In person Customer Support | Yes | No |
Kent Reliance vs 3S Money Foreign Currency Accounts
Kent Reliance | 3S Money | |
US Dollar (USD) Bank Accounts | No | Yes |
Euro (EUR) Bank Accounts | No | Yes |
Other Currencies Available: | No | No |
Other Business Services From Kent Reliance and 3S Money


Kent Reliance | 3S Money | |
Business Loans | Yes | No |
Commercial Mortgages | Yes | No |
Invoice Financing | No | No |
International Payments | No | Yes |
Merchant Payment Services | No | Yes |
Card Machines | No | No |
Free Accounting Software | No | Yes |
Kent Reliance vs 3S Money Banking Basics
Kent Reliance | 3S Money | |
Bank Type | Challenger | Challenger |
FSCS Protection | Yes, up to £85,000 | No |
FCA Number | 530504 | 900918 |
Website | Kent Reliance Website | 3S 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).
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For other business bank accounts see our guide here.