Is PayPal Debit or 3S Money better for your small business?
Below we look at both PayPal Debit 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.
PayPal Debit vs 3S Money Trustpilot Reviews
| PayPal Debit | 3S Money | |
| Trustpilot Review Score (out of 5) | 1.4 | 4.7 |
| Percent 5-Star Reviews | 20% | 93% |
| Percent 1- Star Reviews | 73% | 5% |
| Total Number of Reviews | 5,277 | 730 |
https://www.trustpilot.com/review/www.paypal.co.uk
https://www.trustpilot.com/review/3s.money
PayPal Debit vs 3S Money App Reviews
| PayPal Debit | 3S Money | |
| iPhone Review Score (out of 5) | 4.1 | No Rating |
| Number of iPhone Reviews | 1,600 | No Reviews |
| Android Review Score (out of 5) | 3.3 | No Rating |
| Number of Android Reviews | 91,500 | No Reviews |
https://apps.apple.com/gb/app/paypal-business/id1053148887
https://www.apple.com/uk/app-store/
PayPal Debit vs 3S Money Account Fees & Charges
| PayPal Debit | 3S Money | |
| Free Business Bank Account | No | No |
| Free Business Account Term Length | NA | NA |
| Cheapest Monthly Account Fee | No | $100 |
| Most Expensive Monthly Account Fee | No | $100 |
| Electronic Payment Cost (in/out) | Free | Free + 60p |
| Cash Payments Cost (in/out) | Free | Free |
| Cheques (in/out) | Free | £1 |
| CHAPS Payments Cost | No | £20 |
| SEPA Payments Cost | No | €1 |
PayPal Debit vs 3S Money Business Savings Rates
| PayPal Debit | 3S Money | |
| Types of Business Savings Accounts | None | None |
| Lowest Savings Rate (AER) | NA | NA |
| Maximum Savings Rate (AER) | NA | NA |
| Minimum Savings Amount | NA | NA |
| Interest Paid On Foreign Currencies | Yes | No |
PayPal Debit vs 3S Money Account Opening Times
| PayPal Debit | 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 | Yes | Yes |
PayPal Debit vs 3S Money Features & Account Types
| PayPal Debit | 3S Money | |
| Business Current Account | Yes | Yes |
| Business Savings Account | No | No |
| Business Credit Card | No | No |
| Business Overdraft | No | No |
| Accounts For Startups | Yes | Yes |
| Accounts For Charities | No | Yes |
| Accounts For Sole Traders | No | 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 only | None, online only |
PayPal Debit vs 3S Money Customer Support Options
| PayPal Debit | 3S Money | |
| Phone Support Available | No | Yes |
| Email Support Available | Yes | Yes |
| App Based Support | Yes | No |
| Web Based Support | Yes | Yes |
| In person Customer Support | No | No |
PayPal Debit vs 3S Money Foreign Currency Accounts
| PayPal Debit | 3S Money | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
| No |
Other Business Services From PayPal Debit and 3S Money
| PayPal Debit | 3S Money | |
| Business Loans | No | No |
| Commercial Mortgages | No | No |
| Invoice Financing | No | No |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | Yes |
| Card Machines | Yes | No |
| Free Accounting Software | Yes | Yes |
PayPal Debit vs 3S Money Banking Basics
| PayPal Debit | 3S Money | |
| Bank Type | Challenger | Challenger |
| FSCS Protection | No | No |
| FCA Number | 742277 | 900918 |
| Website | PayPal Debit Website | 3S Money Website |
Common Comparison Questions
Does PayPal Debit or 3S Money have better customer reviews?
PayPal Debit scores 1.4 out of 5 based 5,277 Trustpilot reviews. Of these reviews 20% are 5-star and 73% 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 PayPal Debit or 3S Money have a better App?
PayPal Debit’s iPhone App is rated 4.1 out of 5 based on 1,600 reviews. And it’s Android App is rated 3.3 out of 5 based on 91,500 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 PayPal Debit or 3S Money have better business savings rates?
PayPal Debit offers the following types of business savings accounts: None with interest rates ranging from NA to NA. (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.