3S Money vs DECTA Merchant
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
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.
DECTA Merchant
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DECTA's Digital Banking App is the key to unlocking modern B2B banking solutions. We provide businesses with a comprehensive digital banking platform, accessible on smartphones and tablets. Gain complete control over your business finances, anytime, anywhere. Seamlessly Integrated Mobile Banking: Our secure mobile banking seamlessly integrates with your online banking. Activate mobile banking easily through Internet banking, ensuring a smooth transition between platforms. All Your Business Finances in One Place: DECTA's mobile app offers a wide array of tailored financial services and products designed for businesses. Keep a close eye on business accounts, loans, securities, and more in one user-friendly interface. Effortless Business Transfers: Streamline domestic and international transfers for your business. Make fund transfers, set up recurring payments, and manage your business finances efficiently. Transaction Tracking Made Easy: Track business transactions with ease. Search and filter by date, amount, and account details. Stay in control of your business's financial operations. Customized Business Administration: Tailor your business banking experience with features like PIN activation, and transaction locks. Secure Your Business Cards: Enhance security by locking and unlocking your business debit or credit cards directly from the app. Personalized Settings: Tailor mobile banking preferences and receive business news updates aligned with your business goals. ...and more. DECTA's Digital Banking App is designed exclusively for businesses, offering modern, efficient, and personalized banking services on any major mobile device.
Screenshots
Verdict
3S Money and DECTA Merchant 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.
3S Money ships an update fortnightly, DECTA Merchant every 3 weeks. The most recent releases landed on September 20, 2026 and August 4, 2026 respectively.
| Parameter | 3S Money | DECTA Merchant |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 50.0% of reviews | β |
| Update frequency | Fortnightly β better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | β |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 14.0 β better |
| Further details β not scored | ||
| Size | 147 MB | 98 MB |
| Age rating | 17+ | 17+ |
| Developer | 3S Money | Decta Limited |
In-app purchases
3S Money
No in-app purchases
DECTA Merchant
No in-app purchases








