One account for a life across borders.
We are building a fully digital bank for people and companies who live, trade and get paid in more than one currency — planned to operate from the Baltics, under European supervision.
Future Sun Bank is not yet a licensed credit institution. The app shown is an illustration of the planned product.
Good morningIllustrationLT00 0000 0000 0000 0000
Everything a cross-border life needs, in one app
Our launch scope, subject to the licence we are granted. Final fees and limits will be published before we open.
Multi-currency accounts
A personal or business account with a European IBAN. Hold EUR, USD, CAD and more, and switch between them in seconds.
Instant payments
SEPA Instant for euro transfers across the SEPA area in seconds, plus SWIFT for the rest of the world.
Cards that travel
Virtual cards the moment your account is open, physical cards by post, and Apple Pay and Google Pay.
Trade finance
Letters of credit and bank guarantees for importers and exporters, reviewed by a real trade-finance team.
On your phone, tablet and laptop
One account synced across iPhone, Android, tablets and computers, with a layout built for each screen.
€ 12,480.50LT00 0000 …Built the way a regulator expects
A bank is only a bank once it is authorised. This is our path — and we will update it honestly as each stage moves.
Group structure & capital
Set up the EU entity, its shareholders and the initial capital the regulator requires.
In progressLicence application
File with the Bank of Lithuania or Latvijas Banka. For a credit institution, the final decision is the ECB's.
PreparingCore banking & controls
Core banking platform, AML/KYC, risk management and an independent security audit.
PlannedPublic launch
Accounts open to waitlist members first, then to everyone eligible.
After authorisationTwo banks in one, built on the same rails
For people
For expats, remote workers, students and families with money in more than one country.
- Euro IBAN in your own name
- Hold and exchange multiple currencies
- Instant transfers and card spending alerts
For companies
For importers, exporters and growing companies that pay suppliers and staff across borders.
- Business accounts with multiple users
- Bulk payments, FX and an API
- Letters of credit and bank guarantees
The protections we are building in from day one
Deposit protection
Once licensed, eligible deposits will be covered by the national deposit guarantee scheme up to €100,000 per depositor, as EU law requires.
Strong authentication
Biometric login, device binding and approval of every payment in the app — in line with PSD2 strong customer authentication.
Your data stays in the EU
Customer data will be processed under the GDPR, in EU data centres, and never sold.
No one can open a Future Sun Bank account today
If anyone offers you an account, a card or an investment in our name, or asks you to send money to “Future Sun Bank”, it is not us. Please report it to us through the contact page. Contact
Be first in line when we open
Join the waitlist and we will write to you only about our launch: licensing milestones and your invitation to open an account.