3S Money vs WorldFirst: what each publishes
As of October 17, 2026, 3S Money takes these industries by its own published rules: Marketplace; AI and SaaS, with conditions. WorldFirst: AI and SaaS; Marketplace, with conditions.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
3S Money
- United Kingdom
- EU / EEA (western & northern, plus Spain, Italy, Portugal)
- EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
- Switzerland / Liechtenstein
- United Arab Emirates
- Developed Asia-Pacific
- CIS / Central Asia / Caucasus
- Latin America
- Middle East & North Africa
- Africa
- Other
The regions its own documents name, read on October 9, 2026
WorldFirst
- United Kingdom
- EU / EEA (western & northern, plus Spain, Italy, Portugal)
- EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
- Switzerland / Liechtenstein
- United States
- Developed Asia-Pacific
- United Arab Emirates
- Latin America
- Other
The regions its own documents name, read on October 9, 2026
Policy by industry
| Industry | 3S Money | WorldFirst |
|---|---|---|
| AI and SaaS | With conditions | Yes |
| Marketplace | Yes | With conditions |
| Crypto | Sources disagree | Depends on the activity |
| iGaming | No | No |
| Adult | No | No |
| Unlicensed financial services | No | No |
| Forex and CFD | No | No published rule |
Where owners must live
3S Money
No published rule
WorldFirst
No published rule
Rules about countries
3S Money
We work with shareholders and directors in 190+ countries but are unable to work with businesses in the following:
Afghanistan, Bahamas, Barbados, Belarus, Botswana, Cambodia, Cuba, Eritrea, Ghana, Iran, Iraq, Jamaica, Mali, Mauritius, Myanmar, Nicaragua, North Korea, Pakistan, Palestinian Territories, Panama, Russia, Somalia, South Sudan, Syria, Trinidad & Tobago, Uganda, Vanuatu, Venezuela, Yemen
WorldFirst
No published rule
Fees
3S Money
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Standard | From €500 account opening fee | €100 | · Source |
| Enterprise | From €500 account opening fee | €300 | · Source |
| Enterprise Plus | From €500 account opening fee | Bespoke | · Source |
WorldFirst
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| World Account | Free to set up | Not stated | · Source |
Closing an account
3S Money
30.1. Regardless of whether you are a Business Client, Small Business Client or Consumer Client, 3S Money, has the authority to end these Terms at any time, by giving you three months’ notice (and, where required by applicable or regulation, we shall explain the reason for such ending).
WorldFirst
16.2. Subject to clause 16.6, World First may terminate this Agreement by giving you no less than ninety (90) days’ prior written notice, unless the law allows us to terminate the whole or any part of this Agreement immediately.
Licence
| Licensee | 3S Money | WorldFirst |
|---|---|---|
| Licensee | 3S Money Club Ltd · EMI authorised by the FCA (FRN 900918) · 3S Money Luxembourg S.A. | World First UK Ltd · EMI authorised by the FCA (FRN 900508) · Ant International group |
| Regulator | FCA · | FCA · |