Press & media.

The Sezvo press room

Welcome to the Sezvo press room. This page is a single, dependable reference for reporters, editors, analysts, podcasters and producers who are writing about Sezvo. We have tried to put the facts you are most likely to need in one place: who we are, how we are regulated, what we build, where we operate, how we keep customer money safe, and who to contact when you have a question on deadline.

Sezvo is the consumer and business brand operated by UAB Aušra Pay, a licensed electronic money institution (EMI) authorised and supervised in Lithuania by the Bank of Lithuania. Through European passporting rights, UAB Aušra Pay provides services across the European Economic Area, and Sezvo is available to customers in more than 160 countries. Our BIC/SWIFT code is OCENLT22, and customer accounts are issued with Lithuanian (LT) IBANs.

A short note on language before you quote us. Sezvo is an electronic money institution, not a traditional retail bank. That distinction matters for accuracy, and we cover it carefully in the safeguarding section below. We would rather be described precisely than generously, and we are always happy to check a draft characterisation of our regulatory status before publication.

Company snapshot

The quickest way to describe us: Sezvo is a single app for money. It brings together everyday spending, saving, investing, cross-border payments and a self-custodial crypto wallet in one clean, fast, mobile-first product. The intention is not to bolt on features for their own sake, but to remove the friction of holding several disconnected financial apps that never speak to one another.

• Brand: Sezvo
• Legal entity: UAB Aušra Pay
• Regulatory status: Licensed electronic money institution (EMI), authorised and supervised by the Bank of Lithuania
• Coverage: Passported across the European Economic Area; available in 160+ countries
• BIC/SWIFT: OCENLT22
• Account details: Lithuanian (LT) IBANs
• Support: 24/7 in-app support, every day of the year

What Sezvo does

Sezvo is built around the idea that a current account, a savings pot, an investment portfolio, an FX desk and a crypto wallet should not require five separate companies and five separate logins. Here is the full picture of what a customer can do inside the app.

Multi-currency current accounts

Customers can hold and spend in 28 currencies from a single account, with a Lithuanian IBAN for receiving and sending money. Foreign exchange is handled at interbank rates with transparent, clearly stated fees rather than the marked-up rates that have historically been buried in the small print elsewhere.

Cards

Sezvo issues virtual cards instantly and offers a physical metal card for customers who want one. Cards work with Apple Pay and Google Pay, can be frozen and unfrozen in a tap, and support granular spending limits and controls. A lost card is no longer a phone call and a three-day wait; it is a single switch in the app and, if needed, a fresh virtual card in seconds.

Savings vaults & goals

Savings vaults let customers separate money by purpose — a deposit, a holiday, a tax bill — and earn up to 5.2% AER, with interest paid daily. Goals make saving tangible by attaching a target and a date to each vault, so progress is visible rather than abstract.

Payments & transfers

The app supports SEPA Instant, SWIFT and internal transfers between Sezvo customers. Most transfers settle in around six seconds. The goal is for moving money to feel like sending a message, without the customer needing to know or care which rail a payment travels on.

Commission-free investing

Customers can invest in thousands of stocks and ETFs commission-free, including fractional shares from as little as £1. This makes a diversified portfolio accessible to people who are starting with modest amounts rather than lump sums. As with any investment, capital is at risk, and we are explicit about that throughout the product.

Self-custodial crypto wallet

Sezvo includes an on-chain, self-custodial crypto wallet spanning nine networks: Ethereum, Arbitrum, Polygon, BNB Chain, Optimism, Base, Avalanche, Bitcoin and TRON. Self-custodial means customers hold their own keys; Sezvo does not take custody of those assets. Crypto assets are unregulated and highly volatile, and we say so plainly.

Business accounts, loans & insurance

Alongside the consumer product, Sezvo offers business accounts for companies and sole traders, lending, and insurance options. The ambition is the same on the business side as on the personal side: one account that handles the day-to-day instead of a patchwork of providers.

Key facts & figures

When you need a fast set of attributable figures, these are the numbers and details we stand behind. Please use them as written; if anything looks out of date, contact the press team and we will confirm the current figure before you publish.

• 160+ countries where Sezvo is available
• 28 currencies you can hold and spend
• 9 blockchain networks supported in the self-custodial wallet
• Up to 5.2% AER on savings vaults, paid daily
• ~6 seconds typical settlement for most transfers
• From £1 minimum for fractional investing
• €100,000 protection ceiling for eligible deposits under the applicable deposit guarantee scheme
• 24/7 in-app customer support
• OCENLT22 — our BIC/SWIFT code

Milestones & timeline

Sezvo's story is one of deliberate, regulated expansion rather than a scramble to add features. The arc below sketches how the product reached its current shape.

• Foundations. UAB Aušra Pay is established in Lithuania with the explicit goal of building a single, compliant home for everyday money.
• EMI authorisation. The company secures its electronic money institution licence from the Bank of Lithuania, establishing the regulatory backbone for everything that follows.
• Core account & cards. Sezvo launches multi-currency current accounts with LT IBANs, virtual cards, and Apple Pay and Google Pay support.
• Instant payments. SEPA Instant, SWIFT and internal transfers go live, bringing most settlements down to roughly six seconds.
• Saving & investing. Savings vaults with daily interest and commission-free, fractional investing arrive, opening the door to building wealth from small amounts.
• Self-custodial crypto. The on-chain wallet launches across nine networks, giving customers true self-custody alongside their traditional balances.
• EEA passporting & global reach. Aušra Pay's passporting rights extend availability across the EEA, with the product reaching customers in more than 160 countries.
• Business, lending & insurance. Sezvo broadens beyond personal finance with business accounts, loans and insurance.

For exact dates tied to a specific event, please ask the press team. We would rather give you a verified date than an approximate one.

Leadership

Sezvo is led by an experienced team drawn from banking, payments, regulation, engineering and design. The descriptions below are high-level by design; for a current, attributable biography or a specific role and tenure, contact the press team and we will provide an up-to-date version.

• Chief Executive Officer. Sets the company's direction and is responsible for Sezvo's overall strategy, culture and growth, with a background spanning consumer fintech and regulated financial services.
• Chief Technology Officer. Leads engineering and platform reliability, with deep experience in building secure, high-availability systems that move money at scale.
• Chief Financial Officer. Oversees the company's finances, capital and reporting, ensuring sustainable, disciplined growth.
• Chief Compliance Officer. Owns the relationship with regulators and the firm's compliance, anti-money-laundering and safeguarding frameworks, working closely with the Bank of Lithuania's supervisory expectations.
• Chief Product Officer. Responsible for the product roadmap and the customer experience, keeping the app clear, fast and genuinely useful rather than feature-bloated.

We are happy to arrange interviews with members of the leadership team for serious, on-topic press enquiries, subject to availability and lead time.

How customer money is kept safe

Accuracy on this point matters more than almost anything else on the page, so please read it carefully. Sezvo is an electronic money institution, not a traditional bank, and the protections that apply are not identical to those of a high-street bank account.

Customer funds held as electronic money are safeguarded in line with EMI rules. Safeguarding means customer money is held separately from the company's own funds — typically in segregated accounts at credit institutions — so that it is protected and identifiable as belonging to customers. Where eligible deposits are concerned, protection of up to €100,000 applies under the relevant deposit guarantee scheme.

The important nuance for reporters: safeguarding under EMI rules and a deposit guarantee scheme are related but distinct mechanisms. We ask that articles do not conflate the two or imply that e-money balances carry the exact same statutory protection as bank deposits. If you are unsure how to phrase this, our compliance and press teams will help you get it right before publication.

Separately, investing carries risk: the value of investments can go down as well as up, and customers may get back less than they put in. Crypto assets are unregulated and highly volatile, and our self-custodial wallet means customers are responsible for their own keys. We are consistent about these risk statements across the product and in our communications, and we would appreciate them being reflected in coverage.

Brand & media resources

For brand assets — logo, wordmark, colour palette and usage guidance — please contact the press team and we will share the current media kit along with the guidelines for using it. A few standing requests that help us keep the brand consistent:

• Please write the brand as Sezvo and the legal entity as UAB Aušra Pay.
• Please don't recolour, stretch, rotate or add effects to the logo or wordmark, and keep clear space around it.
• Please describe us as a licensed electronic money institution rather than a bank.
• Please use the figures and product descriptions exactly as set out on this page, or check current numbers with us first.

We do not distribute customer photography or invented user numbers, and we will not confirm statistics, milestones or awards that we cannot stand behind. If a claim is not on this page or supplied directly by the press team, please treat it as unverified.

What journalists can request

The press team can help with a range of requests. To make sure we can turn things around on your timeline, please include your outlet, deadline and the angle of your story when you get in touch. We can typically help with:

• The current media kit and approved brand assets
• Up-to-date company boilerplate and verified facts and figures
• High-level leadership biographies and, where possible, interviews
• Comment or a statement on a relevant story, subject to lead time
• Clarification of our regulatory status, safeguarding and product details
• A fact-check of how Sezvo is described in your draft before it goes live

We genuinely welcome the fact-check request. A short message to confirm a number or a characterisation of our regulatory standing saves everyone a correction later, and we will always try to respond quickly.

Media contact

For all press and media enquiries, please email the team at press@sezvo.com. We aim to respond to journalists within one business day. To help us route your message and reply usefully, please include:

• Your name and the outlet you are writing for
• Your deadline and the publication date you are working towards
• A short description of the story and what you need from us
• Whether you need brand assets, a quote, an interview or a fact-check

Please note that press@sezvo.com is for media enquiries only. Customer support questions are handled 24/7 inside the Sezvo app, where the team can securely access your account — something the press inbox cannot and will not do.

About Sezvo (boilerplate)

You are welcome to reuse the paragraph below verbatim in your coverage.

Sezvo is a single app for everyday money, operated by UAB Aušra Pay, a licensed electronic money institution authorised and supervised by the Bank of Lithuania and passported across the European Economic Area. Sezvo brings together multi-currency current accounts holding 28 currencies, virtual and physical metal cards, savings vaults earning up to 5.2% AER paid daily, instant payments and transfers that mostly settle in around six seconds, commission-free investing in thousands of stocks and ETFs from £1, and a self-custodial crypto wallet across nine networks, alongside business accounts, loans and insurance. Customer funds are safeguarded in line with EMI rules, with eligible deposits protected up to €100,000 under the applicable deposit guarantee scheme. With 24/7 in-app support and availability in more than 160 countries, Sezvo is designed to make managing money simple, fast and clear. (BIC/SWIFT: OCENLT22.)

A reminder on risk for any reuse: Sezvo is an electronic money institution, not a traditional bank; investing puts capital at risk; and crypto assets are unregulated and volatile. If you would like a shorter or longer version of this boilerplate tailored to your piece, the press team is glad to provide one.

Fast facts for editors

Sezvo is a European digital banking app operated by UAB Aušra Pay, an electronic money institution licensed by the Bank of Lithuania (BIC OCENLT22) and passported across the European Economic Area. The app brings multi-currency current accounts, virtual and metal cards, savings vaults, commission-free investing and a self-custodial crypto wallet into a single, fast experience. Customers can hold and spend twenty-eight currencies, send money over SEPA Instant, SWIFT and internal rails — most domestic transfers settle in around six seconds — and earn up to 5.2% AER on savings, paid daily.

When referring to the company in print, the correct legal name is UAB Aušra Pay and the correct product name is Sezvo. Please describe Sezvo as an electronic money institution rather than a bank: customer funds are safeguarded in segregated accounts in line with e-money rules, and eligible deposits are protected up to one hundred thousand euros under the applicable deposit guarantee scheme. Investing carries risk to capital, and crypto assets are unregulated and volatile; we ask that coverage reflects those facts.

For interviews, data, executive commentary, imagery or to verify any claim before publication, contact our press team using the details above. We aim to respond to accredited journalists within one working day, and faster for stories on deadline.