Is Ulster Bank or 3S Money better for your small business?
Below we look at both Ulster 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.
Ulster Bank vs 3S Money Trustpilot Reviews
| Ulster Bank | 3S Money | |
| Trustpilot Review Score (out of 5) | 1.5 | 4.7 |
| Percent 5-Star Reviews | 8% | 93% |
| Percent 1- Star Reviews | 86% | 5% |
| Total Number of Reviews | 114 | 730 |
https://www.trustpilot.com/review/www.ulsterbank.co.uk
https://www.trustpilot.com/review/3s.money
Ulster Bank vs 3S Money App Reviews
| Ulster Bank | 3S Money | |
| iPhone Review Score (out of 5) | 4.8 | No Rating |
| Number of iPhone Reviews | 15,700 | No Reviews |
| Android Review Score (out of 5) | 4.1 | No Rating |
| Number of Android Reviews | 15,000 | No Reviews |
https://apps.apple.com/gb/app/ulster-bank-ni-mobile-banking/id469523324
https://www.apple.com/uk/app-store/
Ulster Bank vs 3S Money Account Fees & Charges
| Ulster Bank | 3S Money | |
| Free Business Bank Account | Yes | No |
| Free Business Account Term Length | 24 Months | NA |
| Cheapest Monthly Account Fee | £8 | $100 |
| Most Expensive Monthly Account Fee | £12 | $100 |
| Electronic Payment Cost (in/out) | 43p | Free + 60p |
| Cash Payments Cost (in/out) | 70p per £100 | Free |
| Cheques (in/out) | 40p | £1 |
| CHAPS Payments Cost | £18.75 | £20 |
| SEPA Payments Cost | €0.51 | €1 |
Ulster Bank vs 3S Money Business Savings Rates
| Ulster Bank | 3S Money | |
| Types of Business Savings Accounts | Instant access accounts, Fixed term accounts, Currency savings accounts | None |
| Lowest Savings Rate (AER) | 1.46% | NA |
| Maximum Savings Rate (AER) | 1.92% | NA |
| Minimum Savings Amount | No | NA |
| Interest Paid On Foreign Currencies | Yes | No |
Ulster Bank vs 3S Money Account Opening Times
| Ulster Bank | 3S Money | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 24 working hours | 15 minutes |
| Do They Check Your Credit? | Yes | Yes |
| Current Account Switch Service | Yes | Yes |
Ulster Bank vs 3S Money Features & Account Types
| Ulster Bank | 3S Money | |
| Business Current Account | Yes | 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 | Mastercard | Mastercard |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | No |
| In Person/Branch Banking | Yes | No |
| Branch Locations | Northern Ireland Only | None, online only |
Ulster Bank vs 3S Money Customer Support Options
| Ulster Bank | 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 | Yes | No |
Ulster Bank vs 3S Money Foreign Currency Accounts
| Ulster Bank | 3S Money | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
| No |
Other Business Services From Ulster Bank and 3S Money
| Ulster Bank | 3S Money | |
| Business Loans | Yes | No |
| Commercial Mortgages | No | No |
| Invoice Financing | Yes | No |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | Yes |
| Card Machines | Yes | No |
| Free Accounting Software | Yes | Yes |
Ulster Bank vs 3S Money Banking Basics
| Ulster Bank | 3S Money | |
| Bank Type | High Street | Challenger |
| FSCS Protection | Yes, up to £85,000 | No |
| FCA Number | NA | 900918 |
| Website | Ulster Bank Website | 3S Money Website |
Common Comparison Questions
Does Ulster Bank or 3S Money have better customer reviews?
Ulster Bank scores 1.5 out of 5 based 114 Trustpilot reviews. Of these reviews 8% are 5-star and 86% 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 Ulster Bank or 3S Money have a better App?
Ulster Bank’s iPhone App is rated 4.8 out of 5 based on 15,700 reviews. And it’s Android App is rated 4.1 out of 5 based on 15,000 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 Ulster Bank or 3S Money have better business savings rates?
Ulster Bank offers the following types of business savings accounts: Instant access accounts, Fixed term accounts, Currency savings accounts with interest rates ranging from 1.46% to 1.92%. (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.