The bank that scales your payments
Rely on an ECB-licensed, API-first banking institution to secure and handle massive payment volumes without increasing your costs.
Over €4 billion in monthly transaction volume
Transaction-intensive businesses need a bank that can keep up with their pace. Memo Bank enables frictionless, real-time, and secure payments through cutting-edge banking architecture and a dedicated team of experts. Whether via API, EBICS, or file transfers, we support all your payment challenges:
An unique blend of commercial, legal, and technical expertise to support your growth.
Our industry expertise
Asset management companies
We act as your custodian bank, alongside your depositary bank, for the operational management of your investment funds (securitization funds, private equity funds, etc.)
Insurers and brokers
We support insurers and Managing General Agents (MGA) to collect payments, process refunds, and reconcile their cash flows.
Fintech
For PIs, EMIs, credit institutions, or financial intermediaries needing to segregate funds and automate transactions.
Real Estate
We assist real estate actors in automating rent collection from tenants and disbursements to owners.
“We reimburse thousands of members without a single click.”
An API-first bank expert in payment and cash flow management
Speed for your transactions
A full banking license to support all your needs
They chose Memo Bank over their traditional bank
“We automatically collect all incoming transfers. 99.9% of transactions are processed instantly.”
— David Chasseray, Lead Developer
API response time: 40ms. Zero downtime.
“The goal is for the money to pass through the account to verify rent payment, then automatically be sent to the landlord, net of our fees and potential repairs.”
— Clément Buffet, Co-founder of Plusse
“Being able to create virtual IBANs per apartment definitely changed everything.”
The security of your liquidity and operations
Our bank is built on solid foundations
A stringent banking license issued by the ECB.
Regulatory ratios well above Basel III requirements.
Robust and transparent governance.
State-of-the-art technology
Full control of our in-house Core Banking System.
Direct access to the heart of European payment systems.
99.9949% uptime since 2021.
Award-winning payment API (The Digital Banker, DAF Trophies).
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