3S Money vs Zento
Price, ratings, monetisation and update history for both apps, side by side — 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 foreign exchange risk. Offers dedicated support and robust security.
- International business accounts
- Global payment processing
- Multi-currency holding and exchange
- FX risk protection
- Dedicated Relationship Manager
- 2-factor authentication
- Real-time notifications
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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 - 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.
Zento
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At Zento, we believe in smarter and more efficient payment solutions. We are a 100% digital payment platform, built on the latest technology, designed to give you more time and control over your company’s finances. Our platform makes it easier, more convenient, and cost-effective to manage your company’s financial transactions through innovative digital solutions. Key Features: Quick and secure payment approvals Easy card management for your business Fast and convenient access with PIN or biometrics Real-time notifications and balance tracking for all your cards We are constantly striving to bring updates to the app to enhance your experience and this app is just the very beginning of that journey. Download the Zento app now and take control of your company’s finances.
Screenshots
Verdict
The clearest difference is iOS requirement: 3S Money at 15.0 against Zento's 17.0. On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
3S Money ships an update every 2 weeks, Zento every 10 days. The most recent releases landed on November 3, 2026 and November 8, 2026 respectively.
| Parameter | 3S Money | Zento |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 50.0% of reviews | — |
| Update frequency | Every 2 weeks | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 148 MB | 112 MB |
| Age rating | 17+ | 17+ |
| Developer | 3S Money | Zentopayments AS |
In-app purchases
3S Money
No in-app purchases
Zento
No in-app purchases









