Banking that crosses borders with you.

Most banks were built for a single country and a single currency. Real life rarely fits that shape. You might earn in one currency, pay rent in another, send money to family in a third, and travel with a fourth in your pocket. Sezvo is built for that life. A single account lets you hold balances in 28 currencies at once, each sitting in its own pocket, so nothing is converted until you decide to convert it.

Your account is issued by UAB Aušra Pay, a licensed electronic money institution authorised and supervised in Lithuania by the Bank of Lithuania. It passports its services across the European Economic Area and serves customers in 160+ countries, so the same account works whether you are in Vilnius, Lisbon, London or Singapore. You receive your own Lithuanian (LT) IBAN and our shared BIC/SWIFT, OCENLT22 — everything you need to send and receive money internationally from day one.

Holding currency rather than converting it the moment money arrives is quietly powerful. It means you decide when to exchange, not your bank, and you avoid being charged twice when money comes in and goes out again in the same currency. The currencies you hold include euro, pound sterling, US dollar, Swiss franc, the Scandinavian and Central European currencies, and major currencies across Asia-Pacific and the Americas.

The most expensive part of travelling is often invisible. Many cards add a foreign-transaction fee and convert at a marked-up rate, so a coffee that costs the equivalent of three euro shows up as something more. Sezvo removes the hidden margin. When you spend in a currency you hold, you simply pay from that balance. When you spend in a currency you don't hold, we convert at the real exchange rate with no hidden FX mark-up.

Your card works everywhere the major networks are accepted, and it lives in Apple Pay and Google Pay so you can tap with your phone or watch the moment you land. Virtual cards are ready instantly for online bookings, and a physical card — including our metal card on higher plans — arrives for tap-to-pay in person. You stay in control with the ability to freeze a card instantly, set per-card limits, and toggle online, contactless, magnetic-stripe and international use on or off.

A few things worth knowing when you are abroad:

• Always choose to be charged in the local currency when a terminal offers you the choice. “Dynamic currency conversion” — paying in your home currency — lets the merchant set a poor rate, and our real rate beats it almost every time.
• Cash withdrawals abroad come with a monthly fee-free ATM allowance that depends on your plan; beyond it, a small fee applies and is shown in the app.
• Real-time notifications mean you see every charge the instant it happens, so nothing is a surprise weeks later on a statement.

Receiving money from abroad is often where costs creep in, because the sender's bank or an intermediary takes a cut on the way. Sezvo is built to keep more of every payment in your pocket. Your Lithuanian (LT) IBAN is a first-class account number that accepts euro payments over SEPA and international payments over SWIFT using our BIC, OCENLT22.

Share your details once and let salary, refunds, marketplace payouts and money from family land automatically. Euro payments arrive over SEPA — in seconds where the sender supports SEPA Instant — and payments in other currencies arrive over SWIFT. Your full account details live on a single screen in the app: tap to copy any field, or share a clean summary as a link, image or PDF so whoever is paying you has exactly what they need with no room for a typo.

When someone is paying you from abroad, the app explains what to put in the reference field and which fee option to ask them to choose, which avoids the most common reasons an international payment gets delayed or returned. Where local-style receiving details are available for a given currency, the app shows you the correct details to quote so funds route the cheapest, fastest way. Availability of any local details depends on the currency and is shown clearly in the app.

Whether you freelance for clients overseas, sell on international marketplaces, get paid a salary in another country, or simply receive money from family abroad, your account is ready to take it. Incoming euro lands over SEPA and incoming other currencies land over SWIFT, and each payment can be held in its own currency until you choose to exchange it.

Every incoming payment triggers a real-time notification, so you know the moment money arrives rather than discovering it later. You can view, search and export your full transaction history, attach notes and receipts, and sort a single large credit into the right sub-account when one payment covers several things at once — useful at quarter-end or when an invoice bundles costs together.

A few practical notes on receiving from abroad. SWIFT payments can occasionally take a little longer than SEPA, because they may pass through one or more intermediary banks before reaching us; providing the correct reference and choosing the right charge option reduces delays. Sharing your IBAN to receive money is completely safe — it is just like sharing an account number. Your card numbers, security codes, PIN and login details are different: never share those, and remember Sezvo will never ask you for your PIN, password or a one-time code.

Moving money across borders is one of the most heavily regulated things a financial provider does, and rightly so. As a licensed electronic money institution, UAB Aušra Pay carries out Know Your Customer (KYC) checks before your account becomes active, and applies anti-money-laundering and sanctions screening to payments. Occasionally a cross-border transfer may be held briefly for a routine check, or we may ask you for context on a payment — the source of funds, the purpose, or who the recipient is. This is normal, applies to every regulated provider, and is not a reflection on you.

Sezvo is an electronic money institution, not a traditional bank, and we are precise about what that means for your money. The funds you hold 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. 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 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, which spans nine networks, are unregulated and highly volatile. Those products are separate from your safeguarded balance and are always clearly labelled in the app. Some currencies, corridors and features are not available in every country, and what you can access depends on local regulation and your verification status.