Digital bank for business SME Bank is launching a strategic partnership with ZEN.COM, one of the largest financial technology (fintech) companies licensed in Lithuania. With this step, the bank strengthens its role as a financial infrastructure partner for Lithuanian and European fintech companies.

SME Bank will provide ZEN.COM with a safeguarding account service. These accounts, fully compliant with the requirements of the European Union Payment Services Directive (PSD2) and strictly supervised by the Bank of Lithuania, provide an additional level of security for ZEN.COM clients’ – businesses and individuals – funds and strengthen their overall fund protection system.

The agreement also gives ZEN.COM access to overnight interest rates on stored funds, supporting enhanced liquidity management and operational efficiency across its growing European footprint.

Dovilė Bansevičienė, Chief Commercial Officer of SME Bank, said: “This partnership with ZEN.COM is a strong testament to SME Bank’s strategic role in enabling fintech innovation across Europe. We are proud of expanding our services to e-money and payment companies, alongside being a reliable partner in daily banking for SME‘s. ZEN.COM is one of the most advanced fintech companies in the region, and we are delighted to contribute to the development of fintech innovation by providing safeguarded account solutions that meet the highest standards of compliance and operational efficiency,” says Dovilė Bansevičienė, Commercial Director of SME Bank.

In addition, by offering interest-bearing accounts, SME Bank provides value through liquidity optimization and seamless integration. This is a clear example of how modern digital banking can fuel platform-based business models, enhance customer trust, and ultimately accelerate financial innovation on a European scale. This partnership with ZEN.COM is in line with SME Bank’s strategy to become a key infrastructure provider for leading fintech companies.

Michal Boguslawski, CEO of ZEN.COM Europe, said: “We are building an infrastructure that protects what matters most – our customers’ money. The partnership with SME Bank adds another layer of protection to our business model, strengthens liquidity management and supports our expansion. Trust and regulatory compliance have always been the foundation of our growth, and this partnership further strengthens it. With this agreement, ZEN.COM expands its network of regulated partners and strengthens the resilience of its operations. The partnership supports continued growth in Europe and Asia in the areas of card top-ups, cross-border transfers, payments and embedded finance.”