Comparison

3S Money vs BilinkPay

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

Head to head
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.

About

BilinkPay

Features
Read full description

Welcome to BilinkPay – the ultimate all-in-one payment and financial management platform designed for modern businesses and global professionals. Manage your corporate funds, issue smart cards, and handle international transfers seamlessly from a single, secure application. Key Features: β€’ Global Payments Made Simple Send and receive funds across borders with competitive rates and zero hidden fees. Experience frictionless international transfers tailored to your business needs. β€’ Smart Corporate Card Management Issue virtual or physical cards for your team instantly. Set individual spending limits, freeze/unfreeze cards on the go, and track multi- currency expenses in real-time. β€’ Seamless Expense Tracking Say goodbye to manual bookkeeping. Categorize spending automatically, upload receipts instantly, and streamline your financial reporting workflows. β€’ Enterprise-Grade Security Your funds and data protection are our top priorities. BilinkPay ensures peace of mind with multi-layered encryption, secure biometric authentication, and advanced real-time fraud monitoring. Take full control of your global commercial financial operations anytime, anywhere. Download BilinkPay today to empower your business growth.

Screenshots

3S Money4 screens
BilinkPay4 screens

Verdict

The call

3S Money and BilinkPay 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

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

3S Money ships an update fortnightly, BilinkPay every 9 days. The most recent releases landed on October 30, 2026 and October 28, 2026 respectively.

ScorecardNo meaningful differences
3S Money versus BilinkPay: the parameters behind the verdict, then further details
Parameter3S MoneyBilinkPay
PriceFreeFree
Positive reviews50.0% of reviewsβ€”
Update frequencyFortnightlyEvery 9 days β€” better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeβ€”
DevicesiPhone, iPodiPhone, iPad, iPod β€” better
Requires iOS15.0 β€” better15.6
Further details β€” not scored
Size147 MB53 MB
Age rating17+4+
Developer3S Money Club ltdEquals Money PLC

In-app purchases

None

3S Money

No in-app purchases

None

BilinkPay

No in-app purchases

Questions

Is 3S Money free?
3S Money is free to download, with no in-app purchases.
Is BilinkPay free?
BilinkPay is free to download, with no in-app purchases.
Do 3S Money or BilinkPay have ads?
Neither 3S Money nor BilinkPay shows ads.
Which is updated more often, 3S Money or BilinkPay?
3S Money ships an update fortnightly, and BilinkPay every 9 days. Most recently, 3S Money was updated on October 30, 2026 and BilinkPay on October 28, 2026.

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