Comparison

flykk vs 3S Money

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

Head to head
About

flykk

This digital wallet allows instant IBAN-based payments and money transfers to friends and family without complex bank details or hidden fees. It offers a unique EU IBAN, multiple top-up methods, and instant transfers up to €100,000.

Highlights
  • IBAN-based digital wallet
  • Instant payments and transfers
  • Unique EU IBAN
  • Multiple top-up methods
  • Physical & virtual cards
  • 24/7 live support
Read full description

flykk® is an IBAN-based digital wallet that lets you execute payments and send money to friends & family instantly! No more hassles with bank details and hidden costs - just simple & easy transfers. With flykk®, you get: - A unique EU IBAN. - Multiple top up methods. - Instant bank transfers of up to €100,000 (where supported by a sender’s bank/institution). - Free flykk® to flykk® transfers. - 24/7 live support. - A fresh user experience in our brand new flykk® app. - Physical & virtual cards from Diner's Club International, with which you receive worldwide card approval, airport lounge access, exclusive deals, highlighted getaways, and you get to give back to your community. Fees may apply for other in-app services. ISX Financial EU Plc is authorised and regulated in the EEA/EU & UK by the CBC & FCA respectively, as an Electronic Money Institution. flykk® Your money, your way... Instant!

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 foreign exchange risk. Offers dedicated support and robust security.

Highlights
  • International business accounts
  • Global payment processing
  • Multi-currency holding and exchange
  • FX risk protection
  • Dedicated Relationship Manager
  • 2-factor authentication
  • Real-time notifications
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

flykk4 screens
3S Money4 screens

Verdict

The call

The clearest difference is review sentiment: 3S Money at 50% against flykk's 28%. 3S Money also leads on update cadence (every 2 weeks vs monthly). On price, ads, in-app purchases and monetization model there is nothing between them.

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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

flykk ships an update monthly, 3S Money every 2 weeks. Both last shipped on November 3, 2026.

Scorecard2 real differences · 8 level
flykk versus 3S Money: the parameters behind the verdict, then further details
Parameterflykk3S Money
PriceFreeFree
Rating3.0 (4 ratings) — better—
Positive reviews27.8% of reviews50.0% of reviews — better
Number of ratings4 — better—
Update frequencyMonthlyEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size236 MB148 MB
Age rating4+17+
DeveloperISX Financial EU Ltd3S Money

Customer experience

flykk

All ratings4 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews18 reviews
Positive27.8%
Neutral0.0%
Negative72.2%

3S Money

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

In-app purchases

None

flykk

No in-app purchases

None

3S Money

No in-app purchases

Questions

Is flykk free?
flykk 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 flykk or 3S Money have ads?
Neither flykk nor 3S Money shows ads.
Which is updated more often, flykk or 3S Money?
flykk ships an update monthly, and 3S Money every 2 weeks. Most recently, flykk was updated on November 3, 2026 and 3S Money on November 3, 2026.

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