Is OakNorth or 3S Money better for your small business?
Below we look at both OakNorth 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.
OakNorth vs 3S Money Trustpilot Reviews
| OakNorth | 3S Money | |
| Trustpilot Review Score (out of 5) | 4.8 | 4.7 |
| Percent 5-Star Reviews | 84% | 93% |
| Percent 1- Star Reviews | 3% | 5% |
| Total Number of Reviews | 8,904 | 730 |
https://www.trustpilot.com/review/oaknorth.co.uk
https://www.trustpilot.com/review/3s.money
OakNorth vs 3S Money App Reviews
| OakNorth | 3S Money | |
| iPhone Review Score (out of 5) | 4.8 | No Rating |
| Number of iPhone Reviews | 1,600 | No Reviews |
| Android Review Score (out of 5) | 4.8 | No Rating |
| Number of Android Reviews | 468 | No Reviews |
https://apps.apple.com/gb/app/oaknorth-savings/id1476387507
https://www.apple.com/uk/app-store/
OakNorth vs 3S Money Account Fees & Charges
| OakNorth | 3S Money | |
| Free Business Bank Account | No | No |
| Free Business Account Term Length | NA | NA |
| Cheapest Monthly Account Fee | £25 | $100 |
| Most Expensive Monthly Account Fee | £99.99 | $100 |
| Electronic Payment Cost (in/out) | Free | Free + 60p |
| Cash Payments Cost (in/out) | 70p per £100 | Free |
| Cheques (in/out) | £1 per cheque | £1 |
| CHAPS Payments Cost | £17 | £20 |
| SEPA Payments Cost | No | €1 |
OakNorth vs 3S Money Business Savings Rates
| OakNorth | 3S Money | |
| Types of Business Savings Accounts | Fixed Term, Notice Accounts, Easy Access | None |
| Lowest Savings Rate (AER) | 3.85% | NA |
| Maximum Savings Rate (AER) | 3.85% | NA |
| Minimum Savings Amount | £10,000 | NA |
| Interest Paid On Foreign Currencies | No | No |
OakNorth vs 3S Money Account Opening Times
| OakNorth | 3S Money | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | Few minutes | 15 minutes |
| Do They Check Your Credit? | No | Yes |
| Current Account Switch Service | No | Yes |
OakNorth vs 3S Money Features & Account Types
| OakNorth | 3S Money | |
| Business Current Account | Yes | Yes |
| Business Savings Account | Yes | No |
| Business Credit Card | No | 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 | No | No |
| Branch Locations | None, online and phone only | None, online only |
OakNorth vs 3S Money Customer Support Options
| OakNorth | 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 | No | No |
OakNorth vs 3S Money Foreign Currency Accounts
| OakNorth | 3S Money | |
| US Dollar (USD) Bank Accounts | No | Yes |
| Euro (EUR) Bank Accounts | No | Yes |
| Other Currencies Available: | No | No |
Other Business Services From OakNorth and 3S Money
| OakNorth | 3S Money | |
| Business Loans | Yes | No |
| Commercial Mortgages | Yes | No |
| Invoice Financing | Yes | No |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | Yes |
| Card Machines | No | No |
| Free Accounting Software | No | Yes |
OakNorth vs 3S Money Banking Basics
| OakNorth | 3S Money | |
| Bank Type | Challenger | Challenger |
| FSCS Protection | Yes, up to £85,000 | No |
| FCA Number | 629564 | 900918 |
| Website | OakNorth Website | 3S Money Website |
Common Comparison Questions
Does OakNorth or 3S Money have better customer reviews?
OakNorth scores 4.8 out of 5 based 8,904 Trustpilot reviews. Of these reviews 84% are 5-star and 3% 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 OakNorth or 3S Money have a better App?
OakNorth’s iPhone App is rated 4.8 out of 5 based on 1,600 reviews. And it’s Android App is rated 4.8 out of 5 based on 468 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 OakNorth or 3S Money have better business savings rates?
OakNorth offers the following types of business savings accounts: Fixed Term, Notice Accounts, Easy Access with interest rates ranging from 3.85% to 3.85%. (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.