Is Metro Bank or 3S Money better for your small business?
Below we look at both Metro Bank 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.
Metro Bank vs 3S Money Trustpilot Reviews
| Metro Bank | 3S Money | |
| Trustpilot Review Score (out of 5) | 2 | 4.7 |
| Percent 5-Star Reviews | 45% | 93% |
| Percent 1- Star Reviews | 48% | 5% |
| Total Number of Reviews | 4,764 | 730 |
https://www.trustpilot.com/review/www.metrobankonline.co.uk
https://www.trustpilot.com/review/3s.money
Metro Bank vs 3S Money App Reviews
| Metro Bank | 3S Money | |
| iPhone Review Score (out of 5) | 4.8 | No Rating |
| Number of iPhone Reviews | 182,900 | No Reviews |
| Android Review Score (out of 5) | 4.6 | No Rating |
| Number of Android Reviews | 41,500 | No Reviews |
https://apps.apple.com/gb/app/metro-bank/id1175525592
https://www.apple.com/uk/app-store/
Metro Bank vs 3S Money Account Fees & Charges
| Metro Bank | 3S Money | |
| Free Business Bank Account | Yes | No |
| Free Business Account Term Length | 12 Months | NA |
| Cheapest Monthly Account Fee | Free | $100 |
| Most Expensive Monthly Account Fee | £6.00 | $100 |
| Electronic Payment Cost (in/out) | 30p | Free + 60p |
| Cash Payments Cost (in/out) | 1.00% | Free |
| Cheques (in/out) | 30p | £1 |
| CHAPS Payments Cost | £25 | £20 |
| SEPA Payments Cost | 20p | €1 |
Metro Bank vs 3S Money Business Savings Rates
| Metro Bank | 3S Money | |
| Types of Business Savings Accounts | Instant access, Fixed term | None |
| Lowest Savings Rate (AER) | 1.10% | NA |
| Maximum Savings Rate (AER) | 4.41% | NA |
| Minimum Savings Amount | £1 | NA |
| Interest Paid On Foreign Currencies | Yes | No |
Metro Bank vs 3S Money Account Opening Times
| Metro Bank | 3S Money | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 1 day | 15 minutes |
| Do They Check Your Credit? | Yes | Yes |
| Current Account Switch Service | Yes | Yes |
Metro Bank vs 3S Money Features & Account Types
| Metro Bank | 3S Money | |
| Business Current Account | Yes | Yes |
| Business Savings Account | Yes | No |
| Business Credit Card | Yes | No |
| Business Overdraft | Yes | 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 | Mastercard | Mastercard |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | No |
| In Person/Branch Banking | Yes | No |
| Branch Locations | Limited locations in England & Wales only | None, online only |
Metro Bank vs 3S Money Customer Support Options
| Metro Bank | 3S Money | |
| Phone Support Available | Yes | Yes |
| Email Support Available | Yes | Yes |
| App Based Support | Yes | No |
| Web Based Support | Yes | Yes |
| In person Customer Support | Yes | No |
Metro Bank vs 3S Money Foreign Currency Accounts
| Metro Bank | 3S Money | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
| No |
Other Business Services From Metro Bank and 3S Money
| Metro Bank | 3S Money | |
| Business Loans | Yes | No |
| Commercial Mortgages | No | No |
| Invoice Financing | Yes | No |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | Yes |
| Card Machines | No | No |
| Free Accounting Software | No | Yes |
Metro Bank vs 3S Money Banking Basics
| Metro Bank | 3S Money | |
| Bank Type | High Street | Challenger |
| FSCS Protection | Yes, up to £85,000 | No |
| FCA Number | 488982 | 900918 |
| Website | Metro Bank Website | 3S Money Website |
Common Comparison Questions
Does Metro Bank or 3S Money have better customer reviews?
Metro Bank scores 2 out of 5 based 4,764 Trustpilot reviews. Of these reviews 45% are 5-star and 48% 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 Metro Bank or 3S Money have a better App?
Metro Bank’s iPhone App is rated 4.8 out of 5 based on 182,900 reviews. And it’s Android App is rated 4.6 out of 5 based on 41,500 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 Metro Bank or 3S Money have better business savings rates?
Metro Bank offers the following types of business savings accounts: Instant access, Fixed term with interest rates ranging from 1.10% to 4.41%. (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.