One account, twenty-eight currencies.

Opening an Sezvo current account is designed to take minutes, not days. You download the app, enter a few personal details, and verify your identity with a government-issued document and a short liveness check. Most people finish the whole process in a single sitting without filling in a paper form or visiting a branch — because there are no branches.

Behind the scenes, your account is issued by UAB Aušra Pay, the licensed electronic money institution that operates Sezvo. UAB Aušra Pay is authorised and supervised in Lithuania by the Bank of Lithuania and passports its services across the European Economic Area, so the same account works whether you are in Vilnius, Lisbon or Berlin.

As soon as verification clears, you receive your own personal Lithuanian (LT) IBAN and our shared BIC/SWIFT, OCENLT22. From that moment your account is live: you can receive a SEPA payment, move money to a friend, or top up and start spending with a virtual card while your physical card is in the post.

Your LT IBAN is a first-class account number. Give it to an employer, a client, a marketplace or a friend and they can pay you directly. Euro payments arrive over SEPA, and where the sender's bank supports it, SEPA Instant credits land in seconds rather than the next business day. International payments in other currencies arrive over SWIFT using our BIC, OCENLT22.

Every incoming payment triggers a real-time notification, so you know the moment money lands rather than discovering it later. You can view, search and export your full transaction history, attach notes and receipts, and split a single payment into the right sub-account — useful when one credit covers several things at once.

For people who switch from another provider, you can set up recurring incoming payments simply by sharing your new details with whoever pays you. Sezvo does not move your old direct debits for you, so we give you a clear checklist in-app of who to update and in what order, starting with your salary.

A single balance is rarely how people think about their money. Sezvo lets you split your account into sub-accounts and vaults — named pockets that sit inside your main account. Create one for rent, one for bills, one for a trip, one for an emergency fund. Each pocket has its own balance and can have its own rules.

You can:

• Auto-move a set amount into a pocket on payday with a standing order.
• Round up card spending and sweep the spare change into a vault.
• Set a target for a goal and watch progress fill as you save.
• Lock a vault so the money is out of sight until you need it.

Vaults pair naturally with our savings product, where eligible balances can earn up to 5.2% AER, paid daily. Money in a savings vault stays yours and stays accessible — you move it back to your spending balance whenever you like. Investing and crypto, by contrast, put your capital at risk and live in separate, clearly-labelled parts of the app.

Sezvo offers a free Standard current account with no monthly fee and no minimum balance. It includes your LT IBAN, multi-currency holding, SEPA payments, and a virtual card. As your needs grow, paid plans raise the monthly limits and add perks:

• Standard — free. Core account, virtual card, a monthly allowance of fee-free currency exchange and fee-free ATM withdrawals.
• Plus — a low monthly fee. Higher exchange and withdrawal allowances, more sub-accounts, and a physical card.
• Metal — our top plan. The highest allowances, a physical metal card, priority support, and the widest set of included benefits.

Specific allowances, the fees beyond them, and ATM and exchange limits are set out in full on the pricing page and in your in-app fee schedule, which is always the authoritative source. Some charges — such as SWIFT payments, expedited card delivery, or exchange beyond your monthly allowance — apply on every plan and are shown before you confirm. There are never hidden charges after the fact.

Sezvo is an electronic money institution, not a traditional bank, and we think it is important to be precise about what that means for your money. The funds you hold with us are safeguarded in line with EMI rules: customer money is held separately from UAB Aušra Pay's own funds, in segregated accounts at regulated credit institutions or in equivalently secure arrangements. It is not used to run the business and it is not lent out.

Safeguarding means that if the institution were to fail, your money is ring-fenced and intended to be returned to you ahead of ordinary creditors. Where the applicable deposit guarantee scheme applies, eligible deposits are protected up to €100,000. The scope of any deposit guarantee depends on how funds are held and on the rules in force, so the e-money safeguarding regime — rather than a bank deposit guarantee — is the primary protection for an e-money balance.

Two further points worth stating plainly: investing through Sezvo puts your capital at risk and you may get back less than you put in; and crypto assets accessed through our self-custodial wallet are unregulated and highly volatile. Those products are separate from your safeguarded current-account balance and are always clearly labelled as such in the app.