Merchant Machine

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


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

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



Compare UK Business Bank Accounts

Powered By BusinessBankAccounts.co.uk



Below we look at both Triodos 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.

Triodos Bank Homepage
Triodos Bank Homepage


3S Money Homepage
3S Money Homepage
 

Triodos Bank vs 3S Money Trustpilot Reviews

Triodos Bank3S Money
Trustpilot Review Score (out of 5)4.14.7
Percent 5-Star Reviews58%93%
Percent 1- Star Reviews22%5%
Total Number of Reviews514730
Sources:
https://www.trustpilot.com/review/triodos.co.uk
https://www.trustpilot.com/review/3s.money

Triodos Bank vs 3S Money App Reviews

Triodos Bank3S Money
iPhone Review Score (out of 5)4.6No Rating
Number of iPhone Reviews1,700No Reviews
Android Review Score (out of 5)4.6No Rating
Number of Android Reviews851No Reviews
Sources:
https://apps.apple.com/gb/app/triodos-bank-uk/id1238649529
https://www.apple.com/uk/app-store/

Triodos Bank vs 3S Money Account Fees & Charges

Triodos Bank3S Money
Free Business Bank AccountNoNo
Free Business Account Term LengthNANA
Cheapest Monthly Account Fee£3$100
Most Expensive Monthly Account Fee£3$100
Electronic Payment Cost (in/out)NoFree + 60p
Cash Payments Cost (in/out)Free / £1Free
Cheques (in/out)£1£1
CHAPS Payments Cost£20£20
SEPA Payments CostNo€1

Triodos Bank vs 3S Money Business Savings Rates

Triodos Bank3S Money
Types of Business Savings AccountsNoneNone
Lowest Savings Rate (AER)NANA
Maximum Savings Rate (AER)NANA
Minimum Savings AmountNANA
Interest Paid On Foreign CurrenciesYesNo
 

Triodos Bank vs 3S Money Account Opening Times

Triodos Bank3S Money
Can You Apply Online?YesYes
How Long Does Opening An
Account Typically Take?
1 to 2 Working days15 minutes
Do They Check Your Credit?YesYes
Current Account Switch ServiceYesYes

Triodos Bank vs 3S Money Features & Account Types

Triodos Bank Account Types
Triodos Bank Features & Account Types


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


Triodos Bank3S Money
Business Current AccountYesYes
Business Savings AccountYesNo
Business Credit CardNoNo
Business OverdraftYesNo
Accounts For StartupsNoYes
Accounts For CharitiesNoYes
Accounts For Sole TradersYesYes
Joint Business Accounts AvailableYesYes
Card TypeMastercardMastercard
Online BankingYesYes
Mobile BankingYesNo
In Person/Branch BankingNoNo
Branch LocationsBristol, London and EdinburghNone, online only

Triodos Bank vs 3S Money Customer Support Options

Triodos Bank3S Money
Phone Support AvailableYesYes
Email Support AvailableYesYes
App Based Support YesNo
Web Based SupportYesYes
In person Customer SupportNoNo

Triodos Bank vs 3S Money Foreign Currency Accounts

Triodos Bank3S Money
US Dollar (USD) Bank AccountsNoYes
Euro (EUR) Bank AccountsYesYes
Other Currencies Available:
  • Australian Dollar (AUD)
  • Bulgarian Lev (BGN)
  • Canadian Dollar (CAD)
  • Swiss Franc (CHF)
  • Chinese Renminbi Yuan (CNY)
  • Czech Koruna (CZK)
  • Danish Krone (DKK)
  • Euro (EUR)
  • Hong Kong Dollar (HKD)
  • Croatian Kuna (HRK)
  • Hungarian Forint (HUF)
  • Indian Rupee (INR)
  • New Israeli Sheqel (ILS)
  • Japanese Yen (JPY)
  • Mexican Peso (MXN)
  • Norwegian Krone (NOK)
  • New Zealand Dollar (NZD)
No

Other Business Services From Triodos Bank and 3S Money

Triodos Bank Account Types
Other Triodos Bank Services


3S Money Account Types
Other 3S Money Services


Triodos Bank3S Money
Business LoansYesNo
Commercial MortgagesNoNo
Invoice FinancingNoNo
International PaymentsYesYes
Merchant Payment ServicesNoYes
Card MachinesNoNo
Free Accounting SoftwareNoYes

Triodos Bank vs 3S Money Banking Basics

Triodos Bank3S Money
Bank TypeChallengerChallenger
FSCS ProtectionYes, up to £85,000No
FCA Number817008900918
WebsiteTriodos Bank Website3S Money Website

Common Comparison Questions

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

Triodos Bank scores 4.1 out of 5 based 514 Trustpilot reviews. Of these reviews 58% are 5-star and 22% 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 Triodos Bank or 3S Money have a better App?

Triodos Bank’s iPhone App is rated 4.6 out of 5 based on 1,700 reviews. And it’s Android App is rated 4.6 out of 5 based on 851 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 Triodos Bank or 3S Money have better business savings rates?

Triodos Bank 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).

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


For other business bank accounts see our guide here.

 



Please note: Merchant Machine is an information and comparison website only.
We do not provide merchant services nor can we recommend which solution is right for you and your business.
Blog · About · Privacy Policy · Terms of Use · Contact Us
Copyright © 2025 Brilliant British Ltd trading as Merchant Machine

Registered Office Address:
3rd Floor Great Titchfield House, 14-18 Great Titchfield Street, London, United Kingdom, W1W 8BD
Company number 10490224