The bank that scales your payments
Rely on an ECB-licensed, API-first bank to secure and multiply your payment capabilities without increasing headcount.
Over €3 billion in flows processed every month
High-transaction volume companies need a bank capable of keeping up with their pace. Memo Bank enables frictionless, real-time, and secure payment operations, thanks to cutting-edge banking architecture and a team of experts. Whether via API, EBICS, or file transfer, we support you with all your payment challenges:
Managing hundreds of thousands of transactions per year
Financial flow reconciliation
Security and reliability of the payment infrastructure
Segregation of funds held on behalf of third parties
"We automatically retrieve all incoming transfers. 99.9% of transactions are processed instantly."
David Chasseray, Lead Developer, IROKO
Your real-time banking partner
Memo Bank Payments for your transaction volumes
For finance and IT teams looking to integrate payments and account management into their own environment with our premium API.
Memo Bank 365 for your daily operations
For modern-minded finance teams and executives who want to manage their daily banking operations in real time, centrally and securely.
An API-first bank expert in flow management
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Speed for your transactions
10 days to integrate our API
10 seconds to send your transfers
24 hours to collect your invoices
Over 100 currencies for your cross-border payments
500 ms to verify your IBANs and secure your transactions
1 second to create a virtual IBAN
- A full banking license to support all your needs
Accounts to segregate entrusted funds
Access to short- and medium-term financing
A suite of solutions to yield returns on your cash
Relationship managers and a team of experts
"We reimburse thousands of members without a single click."
JÉRÔME BRISSEAU
CEO Goodflair
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We don't compromise on security
Prudential ratios are well above the thresholds set by Basel III regulations.
Real-time financial management and tools to reduce and block risks.
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State-of-the-art technology to manage your operations
A cutting-edge core banking system leading the way in innovation.
Directly connected with the core of European payment systems.
Your news is also our news
- Announcement
Memo Bank has been recognized in the “Best API Initiative” category by The Digital Banker
In November 2023, Memo Bank’s Premium banking API was awarded by an external jury of French CFOs (Trophées DAF) in the “Innovation and Transformation” category.
Just four months after this recognition, our Premium API continues to impress financial experts, this time on an international scale, earning Memo Bank the “Best API initiative”. This award was presented by The Digital Banker, a leading provider of information, economic intelligence, and research in the financial services sector.
With this new distinction, Memo Bank positions itself alongside renowned international companies such as HSBC, Santander, and American Express, which are also award recipients, and continues to demonstrate the significant impact of its banking offerings on the financial industry.
- Announcement
Memo Bank has been recognized in the “Best API Initiative” category by The Digital Banker
In November 2023, Memo Bank’s Premium banking API was awarded by an external jury of French CFOs (Trophées DAF) in the “Innovation and Transformation” category.
Just four months after this recognition, our Premium API continues to impress financial experts, this time on an international scale, earning Memo Bank the “Best API initiative”. This award was presented by The Digital Banker, a leading provider of information, economic intelligence, and research in the financial services sector.
With this new distinction, Memo Bank positions itself alongside renowned international companies such as HSBC, Santander, and American Express, which are also award recipients, and continues to demonstrate the significant impact of its banking offerings on the financial industry.
- Announcement
A Premium Banking API with a broad range of uses
French traditional banks have limited their scope to producing Open Banking APIs. Memo Bank breaks away from this trend by offering a Premium API that automates entire payments flows, thus rationalises repetitive tasks.
- Announcement
Add recurrence and validation rules to your outgoing transfers.
Companies that manage their bank accounts collaboratively must find a balance between trust and control, especially when it comes to outgoing bank transfers. Our clients have already made tons of bank transfers—without paying tons of banking fees on them—and today, we’re adding two transfers-related features:
- Recurring transfers;
- Team-wide validation workflows.
