Invest from £1. Commission-free.
Buy thousands of stocks and ETFs with no trading commission, fractional shares from £1, and recurring auto-invest that runs in the background. Live prices, a clear portfolio, and fees you can read in one glance. Capital at risk.
- £0Commission
- £1Minimum
- ThousandsInstruments
- LivePrices
Read this first. Investing is not the same as holding cash, and the wrong expectation is the most expensive mistake you can make.
When you invest, your capital is at risk. The value of your investments can go down as well as up, and you may get back less than you put in. There is no guaranteed return and no promised income. Markets move for reasons no one can predict, and a holding that rises for months can fall sharply in a single session.
Past performance is not a reliable indicator of future results. A chart that points upward tells you what already happened, not what comes next. Figures quoted anywhere in the app or on this site are illustrative and never a forecast.
Some instruments carry currency risk: if you buy a US-listed share in dollars while your account is in pounds, the exchange rate moves your return up or down independently of the share price. Concentrated positions, leverage you take on elsewhere, and thinly traded instruments all add risk.
Crypto-assets, where offered, are unregulated and highly volatile. They are not covered by any deposit guarantee or investor-protection scheme, and you should be prepared to lose the entire amount. If you are unsure whether a product is right for you, seek independent financial advice. Sezvo does not provide investment advice or personal recommendations.
Thousands of instruments across major markets, all in one account, all commission-free to trade.
Sezvo gives you access to thousands of individual stocks and hundreds of exchange-traded funds (ETFs) listed on major exchanges. You can build a portfolio of single companies, spread risk across whole markets with index ETFs, or do both inside the same account.
- Single-company shares across US, UK and European listings
- Index ETFs that track broad markets in a single instrument
- Sector and theme ETFs for focused exposure
- Bond and money-market ETFs for lower-volatility allocations
- Dividend-paying instruments with optional reinvestment
An ETF is a basket of holdings bundled into one tradable instrument. Buying a broad-market ETF gives you a slice of every company it tracks in a single trade — diversification without choosing each name yourself. Each ETF charges its own ongoing cost, set by the fund provider rather than by Sezvo, and shown on the instrument page before you buy.
You do not need the price of a whole share to own one. Invest a cash amount from £1 and own the matching slice.
A fractional share is a slice of a single share. Rather than needing the full price of one share to take part, you choose how much cash to invest — from £1 — and receive the proportional fraction. If one share trades at £200 and you invest £20, you own a tenth of a share.
Fractions behave like whole shares, scaled down. You receive the same percentage price moves and the same proportion of any dividend the company pays. Dividends on fractional holdings are calculated to several decimal places and can be reinvested automatically if you switch on reinvestment.
Fractional ownership makes diversification realistic on a small budget: a £50 contribution can be spread across ten instruments instead of forcing an all-or-nothing decision on one expensive share. Some instruments are whole-share only because of how their market operates; the instrument page tells you which before you commit.
Set a schedule once and let contributions run. Regular investing removes the temptation to time the market.
Auto-invest lets you commit a fixed cash amount to one instrument or a basket on a repeating schedule — weekly, fortnightly, or monthly. On each date we invest the amount you chose, buying fractional units so the full sum is put to work rather than left as idle change.
- Pick instruments and the share each takes of every contribution
- Choose weekly, fortnightly or monthly on a date you set
- Funded automatically from your chosen Sezvo account
- Pause, edit or stop at any time with no fee
- Each run appears in your activity and annual statement
This approach is often called pound-cost averaging: by investing the same amount at regular intervals you buy more units when prices are low and fewer when they are high, which can smooth your average entry price over time. It does not remove risk or guarantee a profit — in a falling market, regular investing still loses value — but it takes the guesswork out of timing.
From the moment you tap buy to the day ownership is final, here is the path your order takes.
- PlaceChoose an instrument, an amount in cash or a number of shares, and an order type.Instant
- RouteYour order is sent to our regulated broker partner and on to the venue.Seconds
- ExecuteThe order fills at the prevailing market price, in whole or fractional units.Market hours
- SettleOwnership and cash change hands on the standard settlement cycle.T+1 to T+2
You can place a market order, which fills at the best available price right away during market hours, or a limit order, which only fills at the price you set or better. Orders placed outside market hours queue until the relevant exchange opens. Markets close on weekends and exchange holidays, and different exchanges keep different hours.
Settlement is the back-office process that makes a trade final: cash and ownership are exchanged on the standard cycle, typically the trade date plus one or two business days (T+1 to T+2, depending on the market). You can usually trade a holding again before it has fully settled, but cash from a sale is available to withdraw once settlement completes.
Stocks and ETFs trade commission-free. The only costs are spelled out below — nothing is buried.
- Trading commission (stocks & ETFs)£0
- Account or platform fee£0
- Inactivity fee£0
- Deposit from a same-currency account£0
- FX on non-base-currency tradesFrom 0.35%
- Withdrawal to your own account£0
- Third-party regulatory & venue chargesAt cost
There is no commission to buy or sell stocks and ETFs, no monthly platform fee, and no inactivity fee. Two costs are outside our control and shown clearly when they apply: an FX charge when you trade an instrument priced in a currency other than your account's base currency, and third-party charges such as venue or regulatory levies that some markets impose, passed through at cost.
Each ETF also carries an ongoing charge set by the fund provider, not by Sezvo. It is deducted inside the fund rather than billed to you, and is displayed on the instrument page so you can compare before you invest.
A single view of what you hold, what it is worth right now, and where it has been.
Your portfolio screen shows every holding with its live price, quantity, current value, and total return since you bought it. Prices update in real time during market hours so the figure you see is the figure the market is quoting, not a delayed snapshot.
- Live valuations during market hours, last close when shut
- Per-holding and whole-portfolio return, in cash and percent
- Dividend history with optional automatic reinvestment
- Watchlists and price alerts for instruments you are tracking
- Full activity log of every order, contribution and dividend
An annual statement is produced for your records and to help with tax reporting, summarising contributions, disposals, dividends and charges across the year. It is available to download in the app.
Who can open an investing account, and the checks we run before you place your first order.
To open an investing account you must be at least 18, hold a verified Sezvo account, and complete identity and residency checks. Availability of specific instruments depends on your country of residence, the venue's rules, and applicable local regulation, so the catalogue you see is tailored to you.
Before you start, we ask a short set of questions about your knowledge and experience. This is an appropriateness check required for non-advised investing: it helps confirm you understand the risks of the products you are about to use. It is not financial advice and it is not a recommendation to invest — the decision, and the risk, remain yours.
Sezvo offers an execution-only service. We carry out the orders you place; we do not tell you what to buy, when to buy it, or how much. If you want a personal recommendation, speak to an independent regulated adviser.
A general note on tax and on the scope of protection — read carefully, because investments are treated differently from cash.
Returns from investing may be subject to tax depending on where you live and your personal circumstances. Tax-efficient wrappers exist in some jurisdictions, and the rules, allowances and wrapper types differ by country and change over time. We provide an annual statement to support your reporting, but Sezvo does not give tax advice. Confirm your position with a qualified tax adviser.
Sezvo is a trading name of UAB Aušra Pay, a licensed electronic money institution (EMI) authorised and supervised by the Bank of Lithuania and passporting across the EEA. Our BIC/SWIFT is OCENLT22 and accounts use Lithuanian (LT) IBANs.
It matters that you understand the difference in protection. Money you hold as e-money is safeguarded under EMI rules — held separately from our own funds so it can be returned to you. Separately, eligible deposits may be protected up to €100,000 under the applicable deposit guarantee scheme. As an e-money institution rather than a traditional bank, we are clear about which protections apply to which balances.
Invested assets are different from cash and are not covered by a deposit guarantee. Your stocks and ETFs are held in segregated custody at our regulated broker partner, kept apart from our own assets, so they are not ours to lose if we were to fail. But custody does not protect you from market losses: the value of investments still rises and falls with the market, and that risk is always yours. Crypto-assets, where offered, sit outside investor-protection and deposit-guarantee schemes entirely.
- Commission-freeNo commission to buy or sell stocks and ETFs.
- Fractional sharesInvest a cash amount from £1 and own the matching slice.
- Thousands of instrumentsStocks and ETFs across major US, UK and European markets.
- Auto-investRecurring contributions on a weekly or monthly schedule.
- Live pricesReal-time valuations during market hours, in-app.
- Dividend reinvestmentSwitch on automatic reinvestment per holding.
- Transparent feesFX and third-party charges shown before you trade.
- Segregated custodyHoldings kept apart at a regulated broker partner.
- Annual statementA yearly summary to support your tax reporting.
Common questions.
- Is investing really commission-free?
- Yes. There is no commission to buy or sell stocks and ETFs, no platform fee, and no inactivity fee. The only costs are an FX charge when you trade in a currency other than your account's base currency, and any third-party venue or regulatory charges, both shown before you trade. Each ETF also has its own ongoing charge set by the fund provider.
- What does 'capital at risk' mean?
- It means the value of your investments can fall as well as rise, and you could get back less than you invested. There is no guaranteed return. Past performance does not predict future results, and Sezvo does not promise any income or growth.
- What is a fractional share?
- It is a slice of a single share. Instead of needing the full price of one share, you choose a cash amount from £1 and receive the matching fraction. Fractions move in price and earn dividends in the same proportion as whole shares.
- How does auto-invest work?
- You pick one or more instruments, an amount, and a schedule — weekly, fortnightly or monthly. On each date we invest that amount, buying fractional units so the whole sum is put to work. You can pause, edit or stop it at any time with no fee.
- How do orders get executed?
- Your order is routed to our regulated broker partner and on to the market. A market order fills at the best available price during market hours; a limit order only fills at your chosen price or better. Orders placed when markets are closed queue until the relevant exchange opens.
- What is settlement and how long does it take?
- Settlement is the process that makes a trade final, exchanging cash and ownership on the standard cycle — typically the trade date plus one or two business days (T+1 to T+2) depending on the market. Cash from a sale is available to withdraw once settlement completes.
- How are my investments held and protected?
- Stocks and ETFs are held in segregated custody at our regulated broker partner, kept apart from Sezvo's own assets. This means they are not ours to lose if we fail, but it does not protect you from market losses. Invested assets are not cash and are not covered by a deposit guarantee scheme.
- Is the cash in my account protected?
- Money held as e-money is safeguarded under EMI rules — kept separate from our own funds. Separately, eligible deposits may be protected up to €100,000 under the applicable deposit guarantee scheme. Sezvo is a trading name of UAB Aušra Pay, an electronic money institution supervised by the Bank of Lithuania, not a traditional bank, so we are precise about which protection applies to which balance.
- Do I have to pay tax on my returns?
- Possibly — it depends on where you live and your circumstances. Some jurisdictions offer tax-efficient wrappers with their own rules and allowances. We provide an annual statement to support your reporting, but Sezvo does not give tax advice; check your position with a qualified adviser.
- Who can open an investing account?
- You must be at least 18, hold a verified Sezvo account, and pass identity and residency checks. Which instruments you can access depends on your country of residence and local regulation. We also ask a short set of appropriateness questions to confirm you understand the risks before your first order.
- Does Sezvo give investment advice?
- No. Sezvo offers an execution-only service — we carry out the orders you place but do not recommend what to buy, when, or how much. The appropriateness questions are not advice. If you want a personal recommendation, speak to an independent regulated financial adviser.
- What about crypto?
- Crypto-assets, where offered, are unregulated and highly volatile. They are not covered by any deposit guarantee or investor-protection scheme, and you should be prepared to lose the entire amount you put in. Treat them differently from stocks and ETFs.