Comparison

VFX Financial 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

VFX Financial

Features
Read full description

View and manage your business finances from anywhere. The VFX Financial app gives complex organisations direct access to their accounts, payments, and foreign exchange, all in one place. Approve payments on the go Review, create and authorise payments quickly and securely, without needing to be on your desktop device. Book FX trades Access VFX's foreign exchange capabilities and book trades directly from your mobile. Multi-currency accounts & banking View balances, monitor transactions, and manage your money across currencies. Robust security Secure login with biometric authentication, Face ID and Touch ID supported. VFX Financial is authorised and regulated by the UK Financial Conduct Authority (FRNs 592260 and 900530). VFX Financial DIFC Limited is regulated by the Dubai Financial Services Authority (F010820). VFX Financial Canada Inc. is registered with FINTRAC (M15149166) and as a Money Services Business in QuΓ©bec (No. 21165). Learn more at vfxfinancial.com.

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

VFX Financial4 screens
3S Money4 screens

Verdict

The call

VFX Financial and 3S Money are too close to call on the numbers: across 6 compared parameters β€” price, update cadence, ads and in-app purchases among them β€” neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

VFX Financial ships an update every 4 weeks, 3S Money fortnightly. The most recent releases landed on August 6, 2026 and September 20, 2026 respectively.

ScorecardNo meaningful differences
VFX Financial versus 3S Money: the parameters behind the verdict, then further details
ParameterVFX Financial3S Money
PriceFreeFree
Positive reviewsβ€”50.0% of reviews
Update frequencyEvery 4 weeksFortnightly β€” better
AdsNoNo
In-app purchasesNoNo
Monetizationβ€”Free
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 β€” better
Further details β€” not scored
Size71 MB147 MB
Age rating4+17+
DeveloperVFX PLC3S Money

In-app purchases

None

VFX Financial

No in-app purchases

None

3S Money

No in-app purchases

Questions

Is VFX Financial free?
VFX Financial 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 VFX Financial or 3S Money have ads?
Neither VFX Financial nor 3S Money shows ads.
Which is updated more often, VFX Financial or 3S Money?
VFX Financial ships an update every 4 weeks, and 3S Money fortnightly. Most recently, VFX Financial was updated on August 6, 2026 and 3S Money on September 20, 2026.

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