VFX Financial vs 3S Money
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
VFX Financial
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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.
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.
- 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
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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 - Weβre 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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | VFX Financial | 3S Money |
|---|---|---|
| Price | Free | Free |
| Positive reviews | β | 50.0% of reviews |
| Update frequency | Every 4 weeks | Fortnightly β better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | β | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.0 | 15.0 β better |
| Further details β not scored | ||
| Size | 71 MB | 147 MB |
| Age rating | 4+ | 17+ |
| Developer | VFX PLC | 3S Money |
In-app purchases
VFX Financial
No in-app purchases
3S Money
No in-app purchases









