Is Shawbrook Bank or 3S Money better for your small business?
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 vs 3S Money Trustpilot Reviews
Shawbrook Bank | 3S Money | |
Trustpilot Review Score (out of 5) | 4.7 | 4.7 |
Percent 5-Star Reviews | 85% | 93% |
Percent 1- Star Reviews | 7% | 5% |
Total Number of Reviews | 10,747 | 730 |
https://www.trustpilot.com/review/www.shawbrook.co.uk
https://www.trustpilot.com/review/3s.money
Shawbrook Bank vs 3S Money App Reviews
Shawbrook Bank | 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/
Shawbrook Bank vs 3S Money Account Fees & Charges
Shawbrook Bank | 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 | £12 | $100 |
Electronic Payment Cost (in/out) | Free | Free + 60p |
Cash Payments Cost (in/out) | Free | Free |
Cheques (in/out) | Free | £1 |
CHAPS Payments Cost | £35 | £20 |
SEPA Payments Cost | No | €1 |
Shawbrook Bank vs 3S Money Business Savings Rates
Shawbrook Bank | 3S Money | |
Types of Business Savings Accounts | Easy Access, Fixed Rate, Notice Accounts | None |
Lowest Savings Rate (AER) | 3.66% | NA |
Maximum Savings Rate (AER) | 5.03% | NA |
Minimum Savings Amount | £1,000 | NA |
Interest Paid On Foreign Currencies | No | No |
Shawbrook Bank vs 3S Money Account Opening Times
Shawbrook Bank | 3S Money | |
Can You Apply Online? | Yes | Yes |
How Long Does Opening An Account Typically Take? | 5 Working days | 15 minutes |
Do They Check Your Credit? | Yes | Yes |
Current Account Switch Service | No | Yes |
Shawbrook Bank vs 3S Money Features & Account Types


Shawbrook Bank | 3S Money | |
Business Current Account | No | 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 | None | Mastercard |
Online Banking | Yes | Yes |
Mobile Banking | No | No |
In Person/Branch Banking | No | No |
Branch Locations | Limited locations accross the UK | None, online only |
Shawbrook Bank vs 3S Money Customer Support Options
Shawbrook Bank | 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 | No | No |
Shawbrook Bank vs 3S Money Foreign Currency Accounts
Shawbrook Bank | 3S Money | |
US Dollar (USD) Bank Accounts | No | Yes |
Euro (EUR) Bank Accounts | No | Yes |
Other Currencies Available: | No | No |
Other Business Services From Shawbrook Bank and 3S Money


Shawbrook Bank | 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 |
Shawbrook Bank vs 3S Money Banking Basics
Shawbrook Bank | 3S Money | |
Bank Type | Challenger | Challenger |
FSCS Protection | Yes, up to £85,000 | No |
FCA Number | 204574 | 900918 |
Website | Shawbrook Bank Website | 3S 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).
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For other business bank accounts see our guide here.