3S Money vs banqa

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.

Banqa is a self-custody crypto wallet with a linked spending card. Keep full control of your assets, top up with stablecoins, and spend your balance in USD wherever cards are accepted. WHAT YOU CAN DO • Self-custody wallet — you hold your keys; your funds stay under your control. • Fund with stablecoins — deposit USDC (0% fee) or USDT (0.25% fee) on Base or Arbitrum. • Get a virtual card — issue your card after a quick identity check and spend your balance in USD. • Manage your card — view details securely with Face ID, set a PIN, and freeze or unfreeze instantly. • Connect an external wallet — fund your card directly from MetaMask, Trust Wallet, and other WalletConnect wallets. • Withdraw anytime — send your available balance back to your self-custody wallet. • Multi-currency display — view your balance in 50+ currencies (display only; spending settles in USD). • Track activity — search your transactions and see clear details for every payment. SECURITY & PRIVACY • Self-custody by design — your recovery phrase never leaves your device unencrypted. • Biometric protection (Face ID / Touch ID) for sensitive actions. • Identity verification (KYC) is required before issuing a card, in line with applicable regulations. TRANSPARENT FEES • USDC deposits: 0%. USDT deposits: 0.25%. You always see the exact amount credited before you confirm. On-chain network (gas) fees may apply. IMPORTANT INFORMATION • Banqa is a technology platform and is not a bank. Banqa does not provide banking, investment, or deposit-insurance services. • The Banqa card is issued by the card issuer named in the in-app Cardholder Terms, pursuant to a license from the relevant card network. Card issuance and use are subject to those terms. • Crypto assets are volatile and may be unregulated in your jurisdiction. The value of your assets can go down as well as up. Nothing in this app is financial, investment, tax, or legal advice. • Availability, features, and supported networks may vary by region and are subject to identity verification and eligibility. By using Banqa you agree to the Cardholder/Card Terms and the issuer Privacy Policy available in the app and on our website. Support: support@banqa.io