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Shawbrook Bank VS 3S Money: Business Banking Review & Fee Comparison


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

Is Shawbrook Bank or 3S Money better for your small business?



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Below we look at both Shawbrook 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.

Shawbrook Bank Homepage
Shawbrook Bank Homepage


3S Money Homepage
3S Money Homepage
 

Shawbrook Bank vs 3S Money Trustpilot Reviews

Shawbrook Bank3S Money
Trustpilot Review Score (out of 5)4.74.7
Percent 5-Star Reviews85%93%
Percent 1- Star Reviews7%5%
Total Number of Reviews10,747730
Sources:
https://www.trustpilot.com/review/www.shawbrook.co.uk
https://www.trustpilot.com/review/3s.money

Shawbrook Bank vs 3S Money App Reviews

Shawbrook Bank3S 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/

Shawbrook Bank vs 3S Money Account Fees & Charges

Shawbrook Bank3S Money
Free Business Bank AccountNoNo
Free Business Account Term LengthNANA
Cheapest Monthly Account FeeFree$100
Most Expensive Monthly Account Fee£12$100
Electronic Payment Cost (in/out)FreeFree + 60p
Cash Payments Cost (in/out)FreeFree
Cheques (in/out)Free£1
CHAPS Payments Cost£35£20
SEPA Payments CostNo€1

Shawbrook Bank vs 3S Money Business Savings Rates

Shawbrook Bank3S Money
Types of Business Savings AccountsEasy Access, Fixed Rate, Notice AccountsNone
Lowest Savings Rate (AER)3.66%NA
Maximum Savings Rate (AER)5.03%NA
Minimum Savings Amount£1,000NA
Interest Paid On Foreign CurrenciesNoNo
 

Shawbrook Bank vs 3S Money Account Opening Times

Shawbrook Bank3S Money
Can You Apply Online?YesYes
How Long Does Opening An
Account Typically Take?
5 Working days15 minutes
Do They Check Your Credit?YesYes
Current Account Switch ServiceNoYes

Shawbrook Bank vs 3S Money Features & Account Types

Shawbrook Bank Account Types
Shawbrook Bank Features & Account Types


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


Shawbrook Bank3S Money
Business Current AccountNoYes
Business Savings AccountYesNo
Business Credit CardYesNo
Business OverdraftYesNo
Accounts For StartupsYesYes
Accounts For CharitiesYesYes
Accounts For Sole TradersYesYes
Joint Business Accounts AvailableYesYes
Card TypeNoneMastercard
Online BankingYesYes
Mobile BankingNoNo
In Person/Branch BankingNoNo
Branch LocationsLimited locations accross the UKNone, online only

Shawbrook Bank vs 3S Money Customer Support Options

Shawbrook Bank3S Money
Phone Support AvailableYesYes
Email Support AvailableYesYes
App Based Support NoNo
Web Based SupportYesYes
In person Customer SupportNoNo

Shawbrook Bank vs 3S Money Foreign Currency Accounts

Shawbrook Bank3S Money
US Dollar (USD) Bank AccountsNoYes
Euro (EUR) Bank AccountsNoYes
Other Currencies Available:NoNo

Other Business Services From Shawbrook Bank and 3S Money

Shawbrook Bank Account Types
Other Shawbrook Bank Services


3S Money Account Types
Other 3S Money Services


Shawbrook Bank3S Money
Business LoansYesNo
Commercial MortgagesYesNo
Invoice FinancingYesNo
International PaymentsYesYes
Merchant Payment ServicesYesYes
Card MachinesNoNo
Free Accounting SoftwareNoYes

Shawbrook Bank vs 3S Money Banking Basics

Shawbrook Bank3S Money
Bank TypeChallengerChallenger
FSCS ProtectionYes, up to £85,000No
FCA Number204574900918
WebsiteShawbrook Bank Website3S Money Website

Common Comparison Questions

Does Shawbrook Bank or 3S Money have better customer reviews?

Shawbrook Bank scores 4.7 out of 5 based 10,747 Trustpilot reviews. Of these reviews 85% are 5-star and 7% 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 Shawbrook Bank or 3S Money have a better App?

Shawbrook Bank’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 Shawbrook Bank or 3S Money have better business savings rates?

Shawbrook Bank offers the following types of business savings accounts: Easy Access, Fixed Rate, Notice Accounts with interest rates ranging from 3.66% to 5.03%. (AER)

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

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


For other business bank accounts see our guide here.

 



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