A new bank, but not just any bank

Memo Bank, it's the certainty of being in the right place to develop your business.

Our purpose and mission

Why we created Memo 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.

Our story

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

Starting in 2021, the bank rolls out its offering. That same year, it joins the exclusive circle of direct participants in the European STEP2 clearing system. The 2022-2023 period is marked by the accelerated launch of numerous products to enrich its unique offering (premium API, direct debits, virtual IBANs, term deposits, etc.).

2023-2025: Expansion

By enhancing its offerings, Memo Bank becomes the primary bank for its client portfolio. It grows from 300 to 775 clients within the span of two years. The bank wins numerous awards recognizing the quality of its support and products.

2026: An API-first bank

In 2026, Memo Bank refocuses its operations on transaction-intensive businesses that manage thousands of transfers or direct debits each month. The majority of payment flows are now routed via API.

What sets us apart

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.