Comparison

iorys 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

iorys

Features
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Ready-to-use mobile banking app that can be white-labeled for your Bank, Payment firm, Crypto exchanger, P-to-P lending or any other FinTech. Quick rebranding with your corporate style or creation of a tailor-made design based on your needs. We are digital banking architects enabling financial institutions a fast-track launch of payment solutions with remarkable UI/UX. Our clients are both newly born FinTechs wishing to break in the market being competitive from the first days without major investments, and mature market participants seeking to upscale their IT platforms with fresh and advanced banking modules, including a mobile app. IORYS App includes: ACCOUNT OPENING Seamless new client onboarding flow with integrated 3rd party AML/KYC providers at your choice for safe and efficient remote identification and sanction/PEP screening. MULTI-CURRENCY ACCOUNTS Receiving and keeping different currencies without mandatory conversion. Your clients can keep balances in dozens of currencies (fiat and crypto) for efficient treasury management. ACCOUNT STATEMENTS Single and multi-currency account statements. Search for transactions based on dates, amounts, key words and other parameters. Extract of account statements in PDF/XL formats. PAYMENT CARDS Wide functionality with payment cards, including card ordering, balance view, view of all card details, block/unblock cards, PIN view/change, change of limits and other features. Possibility to have a multi-currency and a crypto card. SAVINGS An online piggy-bank allowing users to open savings accounts for keeping money aside for a dream purchase or any other needs. Ability to see the saving progress in %. MONEY TRANSFERS Receiving and sending payments within and outside Iorys banking platform, creation of templates, programming with deferred dates. Request of outgoing transfers with an automated currency exchange. Possibility to inform interested parties about outgoing transactions. SECURITY Face ID/Touch ID functionality and various access codes for cutting edge security of your clients’ wallets. View of previous accesses based on IP, country, date and time. NOTIFICATIONS Push messages about incoming/outgoing transactions for real time control for money movement. ACCESS RIGHTS Ability to set read-only or full access rights for various business scenarios. Try our app and other products of Iorys (Payment HUB, Ledger, AML module, Web banking) available on SaaS of or On Prem/License model. More info available on WWW.IORYS.COM Disclosure Iorys Ltd does not provide any payment or financial services. We are purely a technological company offering IT solutions for regulated entities.

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

iorys4 screens
3S Money4 screens

Verdict

The call

The clearest difference is update cadence: 3S Money at fortnightly against iorys's every 6 weeks. iorys's advantage is iOS requirement (13.0 vs 15.0). On price, ads, in-app purchases and device support 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

iorys ships an update every 6 weeks, 3S Money fortnightly. The most recent releases landed on September 22, 2026 and September 20, 2026 respectively.

Scorecard2 real differences Β· 6 level
iorys versus 3S Money: the parameters behind the verdict, then further details
Parameteriorys3S Money
PriceFreeFree
Positive reviewsβ€”50.0% of reviews
Update frequencyEvery 6 weeksFortnightly β€” better
AdsNoNo
In-app purchasesNoNo
Monetizationβ€”Free
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 β€” better15.0
Further details β€” not scored
Size44 MB147 MB
Age rating4+17+
DeveloperIorys Ltd3S Money

In-app purchases

None

iorys

No in-app purchases

None

3S Money

No in-app purchases

Questions

Is iorys free?
iorys 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 iorys or 3S Money have ads?
Neither iorys nor 3S Money shows ads.
Which is updated more often, iorys or 3S Money?
iorys ships an update every 6 weeks, and 3S Money fortnightly. Most recently, iorys was updated on September 22, 2026 and 3S Money on September 20, 2026.

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