Safeguarding of Funds
Safeguarding, built into your growth
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Safeguarding of Funds
Safeguarding, built into your growth
Build for payment institutions, EMIs, and regulated fintech operators
Keep client funds protected through a safeguarding setup built around segregation, control, and regulatory alignment. SME Bank holds your clients’ funds in dedicated segregated accounts, helping reduce operational complexity while you focus on scaling your fintech business.
Safeguarding Key benefits
Regulatory compliance
Full alignment with LT and EU requirements, helping payment institutions, EMIs, and fintech operators meet their obligations.
Full fund segregation
Client funds are held in dedicated accounts, separate from both SME Bank’s assets and your company’s own funds.
Clear reporting and controls
Transparent reporting, audit trails, and control frameworks give your team better visibility and support regulated operations.
Flexible integration
A safeguarding setup designed to work with your existing business model, operational flow, and technology stack.
Trusted by leading businesses
"We value our smooth collaboration with SME Bank and their responsible approach to safeguarding client funds."
“In safeguarding processes, clarity, speed and a partner who understands how our sector works are what matter most to us. With SME Bank, we have all of these, which is why we value their team for their quick response, practical approach and smooth day-to-day cooperation.”
Contact our team to discuss your business model and find the right safeguarding setup
Frequently asked questions
We’re happy to help you choose the right plan. Check out our FAQs for answers to the most common questions.
To add an additional user to the corporate online banking account, either the new user or the company's managing director must send an email to [email protected] providing the following information:
1. New user information:
Full name
Represented company name and company registration code
Phone number linked to their mobile signature (if they intend to log into online banking using a mobile signature)
2. New user contact details:
Email address
Phone number
3. Access rights type:
Administrator (full access rights)
Payment Approval (rights to approve, initiate, and view payments)
Payment Initiation (rights to initiate and view payments)
View-Only (read-only access)
4. Transaction limits (please specify amounts in EUR):
Single transaction limit (maximum EUR 2,000,000)
Daily limit (maximum EUR 2,000,000)
Monthly limit (maximum EUR 30,000,000)
Upon receiving this information, the Bank will send an email to the new user containing a link to complete identity verification. Once the submitted information is processed and the company's managing director signs the contract addendum with a qualified electronic signature, the new user will receive their online banking login credentials via their contact email address.
Limits (single transaction, daily, and monthly) can be amended either by logging into the online banking platform or by submitting a request from your registered email address to [email protected].
A safeguarding account limit is the maximum balance that the Bank allows to be held in the account. This amount must not be exceeded under any circumstances. However, to ensure maximum efficiency, the recommended target limit utilization is 95–100%.
If your allocated limit is underutilized or if you need to increase it, please contact your designated Bank representative. The limit amendment review process typically takes up to 2 business days.
A safeguarding account can be opened in Euros (EUR).
We provide a Statement Management API, which allows you to check your account balance and retrieve account statements. Payment initiation capabilities are planned for the future.
Interest payments are subject to individual pricing arrangements.
The safeguarding account onboarding process consists of two stages:
Opening a current account: This can be done online via onboarding.smebank.lt
Signing the safeguarding account agreement.
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