Is Wise or 3S Money better for your small business?
Below we look at both Wise 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.
Wise vs 3S Money Trustpilot Reviews
| Wise | 3S Money | |
| Trustpilot Review Score (out of 5) | 4.2 | 4.7 |
| Percent 5-Star Reviews | 83% | 93% |
| Percent 1- Star Reviews | 7% | 5% |
| Total Number of Reviews | 207,506 | 730 |
https://www.trustpilot.com/review/wise.com
https://www.trustpilot.com/review/3s.money
Wise vs 3S Money App Reviews
| Wise | 3S Money | |
| iPhone Review Score (out of 5) | 4.8 | No Rating |
| Number of iPhone Reviews | 85,400 | No Reviews |
| Android Review Score (out of 5) | 4.8 | No Rating |
| Number of Android Reviews | 762,000 | No Reviews |
https://apps.apple.com/gb/app/wise/id612261027
https://www.apple.com/uk/app-store/
Wise vs 3S Money Account Fees & Charges
| Wise | 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 | Free | $100 |
| Electronic Payment Cost (in/out) | 0.42% | Free + 60p |
| Cash Payments Cost (in/out) | 2% / 1.75% | Free |
| Cheques (in/out) | Unknown | £1 |
| CHAPS Payments Cost | £25 | £20 |
| SEPA Payments Cost | No | €1 |
Wise vs 3S Money Business Savings Rates
| Wise | 3S Money | |
| Types of Business Savings Accounts | BlackRock ICS Sterling Government Liquidity Fund | None |
| Lowest Savings Rate (AER) | 4.67% | NA |
| Maximum Savings Rate (AER) | 4.67% | NA |
| Minimum Savings Amount | £1 | NA |
| Interest Paid On Foreign Currencies | Yes | No |
Wise vs 3S Money Account Opening Times
| Wise | 3S Money | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 2 Working days | 15 minutes |
| Do They Check Your Credit? | No | Yes |
| Current Account Switch Service | No | Yes |
Wise vs 3S Money Features & Account Types
| Wise | 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 | Yes | Yes |
| Accounts For Sole Traders | Yes | Yes |
| Joint Business Accounts Available | No | Yes |
| Card Type | Visa/Mastercard | Mastercard |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | No |
| In Person/Branch Banking | Yes | No |
| Branch Locations | None, online only | None, online only |
Wise vs 3S Money Customer Support Options
| Wise | 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 |
Wise vs 3S Money Foreign Currency Accounts
| Wise | 3S Money | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
| No |
Other Business Services From Wise and 3S Money
| Wise | 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 | No | No |
| Free Accounting Software | Yes | Yes |
Wise vs 3S Money Banking Basics
| Wise | 3S Money | |
| Bank Type | Challenger | Challenger |
| FSCS Protection | No, unless money is held in assets | No |
| FCA Number | 900507 | 900918 |
| Website | Wise Website | 3S Money Website |
Common Comparison Questions
Does Wise or 3S Money have better customer reviews?
Wise scores 4.2 out of 5 based 207,506 Trustpilot reviews. Of these reviews 83% 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 Wise or 3S Money have a better App?
Wise’s iPhone App is rated 4.8 out of 5 based on 85,400 reviews. And it’s Android App is rated 4.8 out of 5 based on 762,000 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 Wise or 3S Money have better business savings rates?
Wise offers the following types of business savings accounts: BlackRock ICS Sterling Government Liquidity Fund with interest rates ranging from 4.67% to 4.67%. (AER)
In contrast, 3S Money offers None accounts with interest rates ranging from NA to NA (AER).
See Other Comparisons:Wise vs MultiPass
Wise vs Reliance Bank
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For other business bank accounts see our guide here.