A new bank, but not just any bank

You and our founders, Jean-Daniel Guyot, and Michel Galibert, have a few things in common. First, you’ve both used our corporate banking services. econd, you’ve probably had the thought, “Why can’t banks just keep up with the tech giants?”

Despite all the tech advances, the commercial banking scene often feels stuck in the past. Everything’s moving ahead except this part Companies often turn to fintech solutions to work around traditional banks’ limitations. But guess what? This costs more and complicates operations because fintechs are like supplements to traditional banks, not replacements.

That’s where Memo Bank comes in. We’re not just another player in the financial game. That’s where Memo Bank comes in. We’re not just another player in the financial game. We’re a whole new way of doing business. We’re a bank that mixes innovation with dedicated relationship managers, offering unwavering support in the long run.

Our Mission: simplify the lives of CFOs by providing them with autonomous, secure, and real-time cash flow and liquidity management

Memo Bank transforms your daily operations into an independent entity with a brand new core banking system and no old-school tech baggage. No need to juggle different services from different places. With Memo Bank, you get the best, seamlessly integrated into your banking experience, just as it should be.

2017-2020: Launch

The story of Memo Bank begins in 2017 with the creation of its predecessor, TrustBk. The following years were marked by the construction of the Core Banking System, an initial fundraising of 7 million euros, and Bpifrance becoming a shareholder. In 2020, Memo Bank launched its operations, obtained its banking license, and announced a fundraising of 20 million euros.

2021-2023: Evolution of the offering

Dès 2021, la banque déploie son offre. Cette même année, elle intègre le cercle restreint des participants directs au système de compensation européen STEP2. La période 2022-2023 est marquée par le lancement accéléré de nombreux produits pour enrichir son offre inédite (API premium, prélèvements, IBAN visrtuels, comptes à terme, etc.).

2023-2025: Ambitions

Memo Bank is becoming the benchmark bank for many French companies and is winning numerous awards that highlight the quality of its support and its products.

Who we are

• We're an independent French bank, regulated by the ACPR.

• Our dedicated relationship managers excel in serving companies.

• We prove that a bank can efficiently handle the transactional banking needs of companies with unmatched speed and reliability compared to traditional banks.

• We demonstrate how an integrated banking approach can replace the need for multiple fintech solutions.

What makes us unique

• We built our banking infrastructure from the ground up, allowing us to rapidly launch new products and features

• Like traditional banks, we prioritize data protection. However, we make it easy for you to access your data in real time, unlike other banks.

• We do not reserve our best offers exclusively for "large accounts" like CAC 40 or SBF 120, unlike traditional banks.