United Kingdom · Payments & e-money
3s Money Club Limited
3S Money Club Limited is a private limited company incorporated in England and Wales, with its head office in London. The FCA authorises it as an electronic money institution (firm reference number 900918). The DFSA authorises its DIFC Branch in Dubai (reference F007004) to issue payment instruments and to provide or operate payment accounts. Companies House lists co-founders Ivan Zhiznevsky and Andrei Dikouchine as persons with significant control. Trading as 3S Money, it offers business clients multi-currency accounts with local IBANs, international payments, currency exchange and business debit cards.
Licences and registrations
Held by 3s Money Club Limited (LEI 254900MULHNQK5FZC217). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| FCA Financial Services Register - E-Money InstitutionsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised E-Money InstitutionE-Money / Stored Value Institution | 900918 | United Kingdom | Active | 2019-06-19 | — |
|
Search the register ↗ |
Trading names on the register: 3s.money (FCA-EMI)
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- MOLUGB55XXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under MOLUGB55 directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2024-10-12
- Last updated
- 2024-11-25
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Venture-backed
Firm type
FX and business payments
Trades as 3S Money
- Ownership
- Companies House lists co-founders Ivan Zhiznevsky and Andrei Dikouchine as persons with significant influence or control, and TMT Investments Plc led its 2021 Series B round.
- Head office
- 45 Folgate Street, E1 6GL London, United Kingdom
- Company register
- Companies House 08574246
- Incorporated
- 18 Jun 2013
- Founders
- Ivan Zhiznevsky · Andrei Dikouchine · Eugene Dugaev
- Former name
- FINROBOT LIMITED
Online
- Websites & references
- 3s.money ↗
clientportal.3s.money ↗ client portal (login)
welcome.3s.money ↗ account application and eligibility check - Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗ · WhatsApp ↗
- Apps
- App Store ↗ · Google Play ↗
Sources · 14 pages consulted
- find-and-update.company-information.service.gov.uk/company/08574246
- find-and-update.company-information.service.gov.uk/company/08574246/officers
- find-and-update.company-information.service.gov.uk/company/08574246/persons-with-significant-control
- 3s.money/
- 3s.money/terms
- 3s.money/help-centre/compliance-and-security/who-is-3s-money-regulated-by
- 3s.money/help-centre/compliance-and-security/how-is-my-money-protected
- 3s.money/help-centre/compliance-and-security/is-it-safe-to-keep-my-funds-in-my-3s-money-business-a
- 3s.money/cardholder-agreement
- 3s.money/our-story
- eservices.customs.gov.hk/MSOS/wsrh/003s1?request_locale=en&format=pdf
- dnb.nl/en/public-register/information-detail/?registerCode=WFTEG&relationNumber=R196272
- zawya.com/en/press-release/companies-news/3s-money-doubles-down-on-europe-with-local-french-ibans-a
- uktechnews.info/2021/04/21/3s-money-club-secures-3-million-series-b-investment-led-by-tmt-investments/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an electronic money institution under the Electronic Money Regulations 2011 to issue e-money and provide payment services. The DFSA authorises its DIFC Branch to issue payment instruments and to provide or operate payment accounts.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority (FCA) United Kingdom | Authorised Electronic Money Institution | 900918 | In its own name | Active | 3s.money ↗ |
| Dubai Financial Services Authority (DFSA) United Arab Emirates | Authorisation of 3S Money Club Limited (DIFC Branch) under Article 48 of the Regulatory Law 2004 for Issuing Payment Instruments and Providing or Operating a Payment Account | F007004 | In its own name | Active | 3s.money ↗ |
| Dubai International Financial Centre (DIFC) Registrar of Companies United Arab Emirates | DIFC commercial licence of 3S Money Club Limited (DIFC Branch) | CL5587 | In its own name | Active | — |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe firm states that it holds client funds in segregated safeguarding accounts at Barclays, Raiffeisen Bank International Austria and Crown Agents Bank UK, and that the FSCS does not cover them.
- Safeguarding bank · Settlement bank
- Barclays United Kingdom
- Safeguarding bank · Settlement bank
- Crown Agents Bank UK United Kingdom
- Safeguarding bank · Settlement bank
- Raiffeisen Bank International Austria Austria
- Payment schemes and card networks
- Swift Direct 3s.money ↗
SEPA Credit Transfer and SEPA Instant Credit Transfer Access not stated 3s.money ↗
Faster Payments Access not stated 3s.money ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
It offers e-money accounts in 65+ currencies with local IBANs, Swift, SEPA and Faster Payments transfers, currency exchange, batch payments and business debit cards, each account with a relationship manager.
The firm serves business clients internationally from London and, through its DIFC Branch, from Dubai. Clients in the EU contract with its sister company 3S Money (Luxembourg) S.A., which holds a CSSF licence.
- Payment volume
- EUR 7bnclient payments processed worldwide
- Sells to
- Small businesses · Enterprises · Consumers
- Serves customers in 2 countries
- United Kingdom · United Arab Emirates
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Ivan Zhiznevsky
CEO & Founder
- Chair
-
Andrei Dikouchine
Chairman & Founder
- Compliance / MLRO
-
Angela Knight
Head of Risk and Compliance & Board Member
- Founder
-
Eugene Dugaev
CTO & Founder
- Executive
-
Evan Kaldelis
Global Deputy CEO
- Executive
- Paul Wright Non-Executive Director
Recent events
Researched 29 Sep 2026 · Sources
-
Other
3S Money launched local French IBANs and opened a Paris office, with French operations under its Luxembourg sister company's CSSF licence.
zawya.com ↗ -
Leadership
The firm appointed Donald William Randall as a director on 23 October 2025, according to Companies House.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
The firm appointed Hasan Braha as a director on 8 May 2025, according to Companies House.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
The firm appointed Angela Knight, its Head of Risk and Compliance, as a director on 29 February 2024.
find-and-update.company-information.service.gov.uk ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
Head-office record
- BIC
- MOLUGB55XXX
- How the BIC breaks down
- MOLUBank
- GBCountry · United Kingdom
- 55Location
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 254900MULHNQK5FZC217
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 900918
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate on the UK company number the register gives.
- Register-entry ID
- a7d666c8ceee
- Companies House no.
- 08574246 ↗
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 1 entry on 1 register
- Activities
- Payment services
- E-money / stored value
- Licensed in
- United Kingdom
- Website (register)
- www.3s.money ↗
- Country · region
- United Kingdom · Europe & Central Asia
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
The 3s Money Club Limited group has 7 institutions in the directory, in 5 countries: all hold a BIC.
Including 3s Money (Luxembourg) S.A., 3s Money (Luxembourg) S.A..
See the 3s Money Club Limited group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Persons with significant control
Companies House · company 08574246 ↗ · as at 9 October 2026
Companies House lists 2 persons with significant control for 3s Money Club Limited: 2 individuals.
| Name | Type | Nature of control | Notified |
|---|---|---|---|
| Ivan Zhiznevsky | Individual | Significant influence or control | 22 May 2018 |
| Andrei Dikouchine | Individual | Significant influence or control | 18 June 2016 |
Companies report persons with significant control to Companies House. Elucidate has not verified them.
A person with significant control holds more than 25% of the shares or votes, can appoint or remove the board, or has significant influence or control. Dates of birth and addresses are not shown.
Matched on the Companies House number that the FCA register gives for this firm.
See the register at Companies House ↗Addresses
- Registered address
- 45 FOLGATE STREET LONDON E1 6GL UNITED KINGDOM
- Operational address
- 45 FOLGATE STREET LONDON LONDON E1 6GL UNITED KINGDOM
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>MOLUGB55XXX</BICFI>
<LEI>254900MULHNQK5FZC217</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>MOLUGB55XXX</BICFI>
<LEI>254900MULHNQK5FZC217</LEI>
<Nm>3S MONEY CLUB LIMITED</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>45 FOLGATE STREET LONDON E1 6GL</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- FCA Financial Services Register - E-Money Institutions—Financial Conduct Authority (FCA) · register ↗ as at 25 September 2026
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Persons with significant control—Companies House · source ↗ as at 9 October 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Ivan Zhiznevsky: 3s.money (official website) · original; Andrei Dikouchine: 3s.money (official website) · original; Angela Knight: 3s.money (official website) · original; Eugene Dugaev: 3s.money (official website) · original; Evan Kaldelis: 3s.money (official website) · original.
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