One account for your whole financial life.

Sezvo is a modern money app for people who would rather not think about banking. We bring together the things you normally juggle across five different providers — a current account, a card, a place to save, somewhere to invest, and a wallet for crypto — and we put them behind one login, one set of rules, and one design language. The product is operated by UAB Aušra Pay, a licensed electronic money institution authorised and supervised in Lithuania. That combination — consumer software that feels effortless, sitting on top of a properly regulated financial institution — is the whole point of Sezvo.

Our mission

Our mission is simple to say and hard to do: make every interaction with money — earning it, spending it, saving it, growing it, and moving it across borders — feel effortless. Most people do not want a relationship with their bank. They want to pay a friend and have it land instantly, set aside money for a holiday without opening a separate app, buy a few shares without a brokerage account that takes a week to approve, and send money abroad without guessing what it will cost. Sezvo is designed so that all of those things happen in the same place, with the same clarity, in seconds rather than days.

We measure ourselves on a single question: did this make the customer's financial life quieter? Software that achieves that tends to be invisible. It does not nag, it does not bury fees in a footnote, and it does not ask you to read a twelve-page document to understand what just happened to your balance. When we get it right, Sezvo becomes the calmest part of your week.

Why we exist

The financial tools most people use were not designed for the way money actually moves now. Your salary might arrive in one currency, your rent in another, your investments somewhere else, and your crypto in a wallet you barely trust. Each of those lives in a separate app with its own password, its own fee schedule, and its own definition of “instant.” Switching between them is not just annoying — it is where money quietly leaks out, through poor exchange rates, idle cash earning nothing, and transfers that cost more than they should.

We built Sezvo because we were tired of that fragmentation, and because the technology to fix it finally exists. Real-time payment rails, instant card issuing, fractional investing and self-custodial wallets are all mature now. What has been missing is someone willing to assemble them into a single, coherent, honest product rather than another point solution. That is the gap we are filling.

What is wrong with legacy banking

Traditional banking has three structural problems, and none of them are accidents. First, the cost is hidden. Headline “free” accounts are paid for by weak exchange rates, low or zero interest on your balance, and fees that appear only when you do something slightly unusual. Second, it is slow by design. A domestic transfer can still take days, an international one even longer, and the money spends that time earning interest for someone other than you. Third, it is fragmented: the bank that holds your current account does not want you investing, the broker does not want you spending, and nobody wants you holding crypto, so you are pushed into a patchwork of accounts that never talk to each other.

• Opaque pricing. If you have to call to find out what something costs, the price was designed to be hidden.
• Artificial delay. Money that takes days to move is usually money that is working for the institution, not for you.
• Walled gardens. Separate logins for spending, saving and investing exist to lock you in, not to serve you.

Sezvo is a direct response to each of these. Pricing is published and plain. Most internal transfers land in around six seconds. And the whole product lives in one app, so your money is never stranded in a silo.

How Sezvo is built — one app, five jobs

Everything in Sezvo is organised around the five things people actually do with money. We did not bolt features onto a bank account; we designed each one to work with the others from day one.

• Accounts. Multi-currency current accounts that let you hold and spend in 28 currencies, with a Lithuanian (LT) IBAN and the BIC OCENLT22. Payments run over SEPA Instant, SWIFT, and internal Sezvo-to-Sezvo rails, and most transfers between Sezvo customers settle in around six seconds.
• Cards. Virtual cards you can create instantly, plus a physical metal card. Add them to Apple Pay and Google Pay, freeze and unfreeze in a tap, and set your own spending and withdrawal limits.
• Savings. Savings vaults and goals that earn up to 5.2% AER, with interest paid daily so you can watch it accrue rather than wait for a month-end surprise.
• Investing. Commission-free access to thousands of stocks and ETFs, fractional from just £1, so you can start building a portfolio without a separate brokerage. Investing puts your capital at risk — the value of investments can fall as well as rise.
• Crypto. An on-chain, self-custodial wallet across nine networks — Ethereum, Arbitrum, Polygon, BNB Chain, Optimism, Base, Avalanche, Bitcoin and TRON. You hold the keys. Crypto assets are unregulated and highly volatile, and are not covered by the protections that apply to e-money.

Around those five jobs we also offer business accounts for companies, loans, and insurance, so a customer can grow with us rather than graduate away. And because it is all one app, the boundaries between these products are soft: cash you are not investing can sit in a savings vault earning interest, and money you want to spend is one tap from your card.

Our licence and how we keep your money safe

Sezvo is operated by UAB Aušra Pay, an electronic money institution (EMI) authorised and supervised by the Bank of Lithuania. That licence passports across the European Economic Area, which is how we are able to offer accounts and IBANs to customers throughout Europe under a single, consistent regulatory framework.

It is important that we are precise here, because the distinction matters for your money. Sezvo is an e-money institution, not a traditional bank. We do not lend out your everyday balance. Instead, the funds you hold in your Sezvo account are safeguarded in line with EMI rules — held in segregated accounts at partner credit institutions, separate from our own operating money, so that your funds remain yours even in the unlikely event that something happens to us.

• Safeguarding. Your e-money balance is ring-fenced from Sezvo's own funds and cannot be used to run the business.
• Deposit protection. Where deposits are eligible, they are protected up to €100,000 under the applicable deposit guarantee scheme. The precise protection depends on how and where funds are held; we explain it plainly in your account terms.
• Investments and crypto. Money you invest is at risk, and crypto held in your self-custodial wallet is unregulated and volatile. Neither carries the safeguarding or deposit-guarantee protections that apply to your e-money balance, and we never blur that line.

We would rather tell you exactly what is and is not protected than imply a guarantee we cannot honour. Knowing where the boundaries sit is part of using money confidently.

How we make money

We think you should always be able to answer the question, “how does this company get paid?” about any financial product you use. Here is our honest answer. Sezvo earns revenue from a small number of clear sources: interchange — the standard fee a merchant's bank pays when you tap your card; foreign-exchange margins on out-of-hours or exotic currency conversions, which we publish; subscription tiers for customers who want premium features such as the metal card and higher limits; and modest fees on specific actions like SWIFT transfers, which are shown to you before you confirm.

Just as important is how we do not make money. We do not sell your data. We do not earn from making transfers slow so that we can hold your balance. And we do not bury surprise charges in the terms and hope you do not notice. If we would be embarrassed to read a fee aloud to your face, we do not charge it.

Our principles

• Default to clarity. No hidden fees, no twelve-page surprises. If we could not explain it in a sentence, we should not be doing it.
• Speed is a feature. A transfer that lands in six seconds beats one that takes six days, every time.
• Beautiful is functional. Good design is the cheapest customer support you will ever buy — if the screen is clear, the question never gets asked.
• Be precise about risk. We say plainly when capital is at risk and when crypto is unregulated, because trust is built on accuracy, not optimism.
• Your money, your rules. We hold your funds; we do not hold opinions about how you spend them.

Where we operate

Sezvo is built in and regulated from Europe. Our EMI licence passports across the European Economic Area, so customers throughout the EEA can open a Sezvo account with a genuine Lithuanian IBAN and full access to SEPA Instant. Beyond payments, the app is useful in more than 160 countries: your card works wherever the network is accepted, you can hold and convert 28 currencies as you travel, and the investing and crypto features follow you across borders. Availability of specific products can vary by country depending on local rules, and we are clear about what is on offer wherever you sign up.

Security and privacy

Security is not a feature we advertise and then forget; it is a constraint on every decision we make. Access to your money is protected by strong authentication, biometric unlock on supported devices, and per-action controls such as freezing a card or capping a limit in a single tap. On the crypto side, the wallet is self-custodial — the keys are generated on your device and remain under your control, which means you, and only you, can move those assets.

Privacy follows the same logic. We collect what we need to run a regulated financial service and to keep you safe from fraud, and no more. We do not sell your personal data to advertisers or data brokers — that is a line we will not cross, not a setting you have to find and switch off. As a regulated EMI operating in Europe, we are bound by strict data-protection and financial-crime rules, and we treat those obligations as a floor rather than a ceiling.

The team and our culture

Sezvo is built by a team that spans product, engineering, design, operations, risk and compliance, working closely enough that an engineer can hear directly why a compliance control exists and a designer can see how a real customer gets stuck. We hire people who care about the details that customers never see — the reconciliation that has to balance to the cent, the failure case that has to fail safely — because in money, the unglamorous work is the work. We are deliberately small relative to the surface area we cover, and we keep it that way so that ownership is real and decisions are fast.

Support is part of the product, not an afterthought bolted on at the edge. Help is available 24/7 inside the app, from people who can see (with your permission) exactly what you are looking at, so you are not re-explaining your problem from scratch.

The road ahead

We are early, and we like it that way. The version of Sezvo you use today — accounts, cards, savings, investing and crypto in one place — is the foundation, not the finished building. Our roadmap is about deepening each of those pillars and removing the seams between them: smarter, more automatic ways to save; broader investing coverage; more local payment rails so that “instant” means instant in more countries; and a crypto experience that stays genuinely self-custodial as it grows. We will keep adding business accounts, lending and insurance capabilities so that customers can do more of their financial life with us rather than around us.

Through all of it, the test does not change. Every new feature has to make money quieter, clearer and faster — or it does not ship. If you want to help us build that, we would love to have you. And if you just want a calmer place to keep your money, you are exactly who we built this for.

Built in the open, accountable by design

Sezvo is operated by UAB Aušra Pay, an electronic money institution authorised and supervised by the Bank of Lithuania and passported to work across the European Economic Area. Being a regulated institution is not a footnote for us — it shapes how we build. Customer funds are safeguarded in segregated accounts, kept apart from our own money, so that what belongs to you is always there for you. Eligible deposits are protected up to one hundred thousand euros under the applicable deposit guarantee scheme, and we are clear about where that protection begins and ends.

We hold ourselves to the same standard on the things regulation does not prescribe. We write our terms in language an ordinary person can read. We tell you what a transfer costs before you send it, not after. We do not bury fees inside exchange rates or invent charges to pad a quarter. When something goes wrong — and at the scale of millions of transactions, occasionally it will — we own it, we fix it, and we tell you what we changed so it does not happen again.

That posture extends to how we grow. We would rather add one feature that genuinely works than ten that look good in a screenshot. Every release is measured against a simple test: does this make your money easier to understand, easier to move, and easier to grow? If the answer is no, it does not ship.