Comparison

Salt Edge Authenticator vs 3S Money

Price, ratings, monetisation and update history for both apps, side by side β€” with what reviewers say about each.

Head to head
About

Salt Edge Authenticator

Securely access your bank accounts and authorize online payments with this app. It enhances security through Strong Customer Authentication, reducing fraud risk and giving you absolute control over your transactions.

Highlights
  • Secure bank account access
  • Authorize remote payments
  • Strong Customer Authentication (SCA)
  • Link bank accounts
  • Transaction authorization
  • QR code scanner for instant authentication
Features
Read full description

Salt Edge Authenticator is your main channel for securely accessing your bank account(s) online and for authorizing remote payments, which goes in accordance with the new PSD2 requirements within the European Union. Strong Customer Authentication brings an additional layer of security to your actions, diminishing any fraud risk from external parties. LINK BANK ACCOUNTS Simply connect your bank to the Authenticator app to never worry about the security of your transactions again. ABSOLUTE CONTROL Each time you make a payment, you’ll receive a confirmation to authorize that transaction, keeping you in control at all times. INCREASED TRANSPARENCY Before authorizing a payment, you’ll be presented with information including payee details, fees and exchange rate (if applicable), the full amount. INSTANT ACTIONS Make use of the QR code scanner. When proposed by your provider, scan the QR code to instantly authenticate or take another action.

About

3S Money

Manage international business finances with a global account. Send and receive payments in over 190 countries, hold multiple currencies, and protect against currency fluctuations. Offers dedicated support and robust security.

Highlights
  • International business account
  • Send/receive payments in 190+ countries
  • Hold and exchange 65+ currencies
  • FX risk protection
  • Real-time cash flow control
  • Dedicated Relationship Manager
  • 2-factor authentication and encryption
Features
Read full description

Pay and get paid faster in 190+ countries with an International Business account. 3S Money is an all-in-one online business account and payment platform designed to help businesses expand their payment capabilities globally. With our local IBANs and local payment solutions, you confidently send & receive high-value payments, hold and exchange up to 65 currencies* and work with a dedicated Relationship Manager who intimately knows your business. _____________________________________________________ Fast, flexible global payment solutions - Enjoy rapid processing times and full payment support from a dedicated Relationship Manager. - Send and receive large international payments in 190+ countries via SWIFT and SEPA powered by local IBANs. Protect against FX risk - Accept customer payments and pay salaries, suppliers, and overheads in local currencies with fair and competitive FX fees. - Make one-time payments in local currencies with fair FX rates and instant settlement. - Open local currency accounts to accept payments with no hidden FX fees. Take control of your cash flow - Real-time payment notifications and multi-currency balance updates. - Instantly approve outgoing payments from any account user. - Deposit incoming payments into your preferred account with one click. Your money is always safe - We’re regulated and licenced in the UK (FCA), EU (CSSF) and Dubai (DFSA DIFC) - Our corresponding banking partners safeguard your funds and retain 100% liquidity. - We use 2-factor authentication and industry-standard encryption and work with top-tier banking partners to make sure you pay and get paid on time, every time. Premium client support - Work with a dedicated Relationship Manager to help navigate new payment routes and maximise your margins on every transfer. - We speak 35 languages and provide human client support across seven international offices. *Head to https://3s.money/ for more information on your accounts, services and currency coverage.

Screenshots

Salt Edge Authenticator4 screens
3S Money4 screens

Verdict

The call

The clearest difference is review sentiment: 3S Money at 50% against Salt Edge Authenticator's 0%. 3S Money also leads on update cadence (fortnightly vs every 2 months) and iOS requirement (15.0 vs 18.0). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Salt Edge Authenticator ships an update every 2 months, 3S Money fortnightly. The most recent releases landed on October 9, 2026 and October 7, 2026 respectively.

Scorecard3 real differences Β· 5 level
Salt Edge Authenticator versus 3S Money: the parameters behind the verdict, then further details
ParameterSalt Edge Authenticator3S Money
PriceFreeFree
Positive reviews0.0% of reviews50.0% of reviews β€” better
Update frequencyEvery 2 monthsFortnightly β€” better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPod β€” better
Requires iOS18.015.0 β€” better
Further details β€” not scored
Size25 MB147 MB
Age rating4+17+
DeveloperSaltEdge3S Money

Customer experience

Salt Edge Authenticator

Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

3S Money

Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

Salt Edge Authenticator

No in-app purchases

None

3S Money

No in-app purchases

Questions

Is Salt Edge Authenticator free?
Salt Edge Authenticator is free to download, with no in-app purchases.
Is 3S Money free?
3S Money is free to download, with no in-app purchases.
Do Salt Edge Authenticator or 3S Money have ads?
Neither Salt Edge Authenticator nor 3S Money shows ads.
Which is updated more often, Salt Edge Authenticator or 3S Money?
Salt Edge Authenticator ships an update every 2 months, and 3S Money fortnightly. Most recently, Salt Edge Authenticator was updated on October 9, 2026 and 3S Money on October 7, 2026.

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