Banking, built for the business.
Sezvo Business gives your company a multi-currency current account with a Lithuanian IBAN, team access with real roles, expense cards, invoicing, batch payments, and an open API — opened online in minutes. UAB Aušra Pay is a licensed electronic money institution, supervised by the Bank of Lithuania and passporting across the EEA.
- 28Currencies held
- ~6sInternal & SEPA Instant
- 160+Countries reached
- 24/7In-app support
A real account for your company — a Lithuanian IBAN, the OCENLT22 BIC, and balances you can hold, spend, and reconcile without leaving the app.
Every Sezvo Business account opens with a dedicated Lithuanian (LT) IBAN and the BIC/SWIFT code OCENLT22. Share those details on an invoice and customers can pay you by SEPA from anywhere in the European Economic Area, or by SWIFT from the rest of the world. The account behaves the way a finance team expects: incoming payments land with the remitter's reference intact, outgoing payments carry a structured remittance line, and every movement is timestamped to the second.
Because Sezvo is built around a multi-currency core, your business is not boxed into a single denomination. You can hold and spend 28 currencies in the same account, convert between them at a transparent rate shown before you confirm, and let a EUR-billed supplier and a USD-billed contractor sit side by side without forcing a conversion on every transaction. That matters for any company that buys abroad, sells abroad, or simply wants to stop bleeding margin on hidden FX mark-ups.
There is no minimum balance to keep the account open and no long-term contract. You can run a single account, or — on higher tiers — open multiple IBANs to separate operating cash, tax provisions, and client money, each reconciled independently.
Start free as a sole trader, move up as the team grows. Change tier at the start of any month — no calls, no penalties.
Free
€0 / mo
For early-stage and sole traders
One LT IBAN, up to 2 team members, 3 virtual cards, and SEPA payments. No minimum balance, no contract.
Growth
€29 / mo
For scaling teams
Unlimited team seats, physical metal cards, batch payments, accounting sync, and priority in-app support.
Scale
€99 / mo
For finance functions
Multi-IBAN, custom approval flows, dedicated API rate limits, expanded SWIFT, and a named account manager.
Give everyone exactly the access they need — no shared logins, no spreadsheet of passwords. Add and remove people in seconds.
Shared bank logins are a liability. Sezvo Business replaces them with named seats and granular roles, so a junior on the team can spend against a capped card without ever seeing the master balance, while your bookkeeper can read every transaction without being able to move a cent. Each person signs in with their own credentials and their own two-factor authentication, and every action is attributed to them in the audit trail.
- OwnerEverything, including closing the account and removing the last admin.
- AdminManage members, cards, payments, and integrations. Cannot close the account.
- FinanceInitiate and approve payments, run batches, export statements, manage invoices.
- MemberSpend on assigned cards, submit expenses and receipts, view their own activity.
- BookkeeperRead-only access to transactions and exports. Cannot move money.
Larger teams can layer approval flows on top of roles: require a second signatory above a threshold you set, route batch runs to a finance approver, or lock certain merchant categories entirely. Offboarding is instant — remove a member and every card they held is frozen and access revoked the moment you confirm.
Virtual and physical metal cards for the whole team, each with its own limits, controls, and live receipt capture.
Issue a virtual card in seconds for a subscription or a one-off supplier, or order a physical metal card for the people who spend in person. Every card carries its own controls: per-transaction and monthly limits, allowed merchant categories, and an ATM toggle. Cards work with Apple Pay and Google Pay out of the box, and any cardholder — or an admin — can freeze and unfreeze a card instantly from their phone if it goes missing.
The point of expense cards is to kill reimbursement paperwork. When a card is tapped, the cardholder gets a push notification and can attach a receipt on the spot; Sezvo reads the merchant, suggests a category, and flags any spend that's missing documentation. Finance sees the whole picture in real time rather than chasing receipts at month-end. Categorised, receipt-matched transactions then export cleanly to your accounting tool, so the books close faster.
For recurring software and ad spend, single-merchant virtual cards keep each vendor ring-fenced — if a vendor over-bills or a subscription should have been cancelled, you cap or freeze that one card without disrupting anything else.
SEPA Instant, SEPA Credit Transfer, SWIFT, and free internal sends — plus batch files for paying everyone at once.
Money should move at the speed of the business. Internal Sezvo-to-Sezvo transfers and SEPA Instant payments typically settle in around six seconds, day or night. Standard SEPA Credit Transfers clear same or next business day, and SWIFT reaches more than 160 countries for the suppliers and contractors SEPA doesn't cover.
- SEPA InstantEUR · EEA~6 secondsFree
- SEPA Credit TransferEUR · EEASame / next dayFree
- SWIFTGlobal · 160+ countries1–3 business daysFrom €6 flat
- InternalSezvo-to-Sezvo~6 secondsFree
- Batch / bulkUp to 1,000 payees per filePer rail abovePer rail above
For payroll, supplier runs, and contractor settlements, batch payments let you upload a single file of up to 1,000 payees, review the totals, route it through approval, and release every payment at once. Standing orders and scheduled payments cover the predictable bills, so nothing slips.
Create, send, and track invoices from the same place you get paid — with reconciliation that happens on its own.
Build a branded invoice in the app, add your line items and VAT, and send it with your LT IBAN and the OCENLT22 BIC already filled in. Each invoice carries a unique reference, so when a customer pays by SEPA, Sezvo matches the incoming payment to the invoice automatically and marks it as settled — no manual reconciliation, no guessing which deposit belongs to which client.
You can see at a glance what's draft, sent, overdue, and paid, send a polite reminder on the invoices that have aged past their due date, and export the whole ledger for your accountant. Recurring invoices handle retainers and subscriptions, and partial payments are tracked against the outstanding balance rather than lost.
Sync to the tools you already use, or build directly on Sezvo with a documented REST API and webhooks.
Sezvo Business connects to the major accounting platforms so transactions, categories, receipts, and VAT flow straight into your books. Bank feeds update continuously rather than as a stale nightly dump, and matched receipts ride along with each transaction — so month-end is a review, not a rebuild. When a native integration isn't enough, you can export in CSV and CAMT.053 for any system that ingests standard bank statement formats.
For teams that want to build, the Sezvo API exposes accounts, balances, payment initiation, card issuance, and statements over a documented REST interface, with webhooks that fire the moment money moves. Authenticate with scoped API keys, set per-key rate limits, and test everything in a sandbox before you go live. It is the same surface our own app is built on, so anything you can do by hand you can automate.
A fully digital application for limited companies and sole traders — most accounts are reviewed within one business day.
Opening an account is online and document-light. Sole traders verify their identity, confirm their trading details, and are usually live within minutes. Limited companies add a short business profile — registration number, registered address, nature of business, and details of directors and beneficial owners — and upload proof of incorporation. Our compliance team reviews most applications within one business day, and we'll tell you clearly if we need anything more.
Because UAB Aušra Pay is a regulated electronic money institution, this verification is a legal obligation, not friction for its own sake. We carry out Know Your Business (KYB) checks on the company and Know Your Customer (KYC) checks on the people who own and control it, in line with EU anti-money-laundering rules. Once you're verified, adding more team members takes seconds — they each complete their own lightweight identity check.
We serve businesses across the EEA and beyond, with customers in 160+ countries. Some regulated or high-risk sectors fall outside what we can support; if that applies to your business, we'll let you know during the application rather than after.
Your money is safeguarded under EMI rules, and a human is one tap away around the clock.
Sezvo is operated by UAB Aušra Pay, a licensed electronic money institution authorised and supervised by the Bank of Lithuania and passporting across the EEA. As an EMI — not a traditional bank — customer funds are safeguarded: held in segregated accounts at regulated credit institutions, kept separate from our own operating capital, so they are not exposed to Sezvo's business risk. Where the applicable deposit guarantee scheme applies, eligible deposits are protected up to €100,000.
Operationally, accounts are protected with strong customer authentication, per-member two-factor sign-in, card-level controls, and a complete, attributable audit trail. You can freeze cards, revoke access, and review every action from one place.
Support is in-app, 24/7. Reach a real person from inside the account at any hour; higher tiers add priority routing and, on Scale, a named account manager for onboarding, limits, and anything that needs a human who knows your business.
- LT IBAN & OCENLT22 BICA dedicated Lithuanian account number on day one.
- Hold 28 currenciesSpend and convert across currencies in one account.
- Named seats & rolesOwner, Admin, Finance, Member, and Bookkeeper access.
- Virtual & metal cardsPer-card limits, freeze, Apple Pay and Google Pay.
- Receipt captureSnap a receipt at the point of spend; auto-categorised.
- SEPA InstantEUR payments that land in around six seconds, free.
- Batch paymentsPay up to 1,000 payees from a single approved file.
- Automated invoicingSend, track, and auto-reconcile against incoming SEPA.
- Accounting syncLive bank feeds plus CSV and CAMT.053 exports.
- Open REST APIAccounts, payments, cards, and webhooks with a sandbox.
- Approval flowsSecond-signatory rules and category locks above thresholds.
- Safeguarded fundsSegregated under EMI rules; eligible deposits to €100,000.
Common questions.
- Is Sezvo a bank?
- No. Sezvo is operated by UAB Aušra Pay, a licensed electronic money institution (EMI) authorised and supervised by the Bank of Lithuania and passporting across the EEA. That means customer funds are safeguarded in segregated accounts rather than covered the way a deposit at a traditional bank would be — though where the applicable deposit guarantee scheme applies, eligible deposits are protected up to €100,000.
- Who can open a business account?
- Both limited companies and sole traders, across the EEA and many other countries. Sole traders verify their identity and trading details; limited companies add a short business profile and details of directors and beneficial owners. Some regulated or high-risk sectors fall outside what we can support, and we'll tell you during the application if that applies.
- How long does onboarding take?
- Sole traders are often live within minutes. For limited companies, most applications are reviewed within one business day once Know Your Business and Know Your Customer checks are complete. If we need anything more, we'll ask clearly rather than leaving you waiting.
- What does it cost?
- Free for early-stage businesses and sole traders, Growth is €29/month for scaling teams, and Scale is €99/month for established finance functions. There are no opening fees, no minimum balance, and no contract — change tier at the start of any month.
- Which currencies can I hold?
- You can hold and spend 28 currencies in the same account and convert between them at a transparent rate shown before you confirm. Your primary account details are a Lithuanian IBAN with the OCENLT22 BIC.
- How do team access and roles work?
- Each person gets their own named seat with their own two-factor sign-in — no shared logins. Roles range from Owner and Admin to Finance, Member, and a read-only Bookkeeper, so people only see and do what their role allows. Larger teams can add approval flows requiring a second signatory above a threshold you set.
- Can I issue cards to my team?
- Yes. Issue virtual cards instantly and order physical metal cards for in-person spend. Every card has its own per-transaction and monthly limits, allowed merchant categories, and an ATM toggle, works with Apple Pay and Google Pay, and can be frozen or unfrozen from the app in a tap.
- How fast are payments?
- Internal Sezvo-to-Sezvo transfers and SEPA Instant payments typically settle in around six seconds. Standard SEPA clears same or next business day, and SWIFT reaches 160+ countries in one to three business days from a flat fee.
- Can I pay lots of people at once?
- Batch payments let you upload a single file of up to 1,000 payees — payroll, suppliers, or contractors — review the totals, route it through approval, and release everything together. Standing orders and scheduled payments handle the predictable bills.
- Does it work with my accounting software?
- Sezvo connects to the major accounting platforms with live bank feeds and receipts attached to each transaction. For anything not covered by a native integration, you can export in CSV and CAMT.053 standard statement formats.
- Is there an API?
- Yes. The Sezvo API exposes accounts, balances, payment initiation, card issuance, and statements over a documented REST interface, with webhooks that fire when money moves. Use scoped API keys with per-key rate limits and test in a sandbox before going live.
- How is my money kept safe?
- Customer funds are safeguarded under EMI rules — held in segregated accounts at regulated credit institutions, separate from Sezvo's operating capital. Accounts are further protected with strong customer authentication, per-member two-factor sign-in, card-level controls, and a complete audit trail. Where the applicable deposit guarantee scheme applies, eligible deposits are protected up to €100,000.