Finally, a real-time bank to automate and reconcile your flows.
Designed to eliminate the slowness, opacity, and technical constraints holding back your large-scale payments.
Automated banking flows
Deploy the best banking API for all your SEPA or SWIFT payments.
- Automate the entire incoming and outgoing payment flow.
- Reconcile and segment your transactions with virtual IBANs.
- Be notified in real-time (webhooks) when a transaction happens on your accounts.
SEPA direct debit collection
Collect your invoices in less than 48 hours.
- Collect funds in 24 to 48 hours (SDD Core and B2B).
- Handle failed payments precisely with automatic retries.
- Manage mandate sending and signing electronically.
- Execute your SEPA payment collection via your Memo Bank account or our banking API.
SEPA and Swift credit transfers
Instant SEPA credit transfer up to €100,000 and fee-free. Swift transfers available in more than 90 currencies
Corporate cards spending
Our cards solution enable you to track and manage your expenses in real-time while optimising your liquidity.
- Save up to 30 days on your WCR with deferred direct debit cards.
- Uncapped payment thresholds.
- Manage your employees' cards expenses online and in real-time.
- Nominative physical or virtual cards compatible with Apple Pay and Google Pay.
Money Market Funds
Invest your funds directly from your dashboard without opening a securities account.
- Manage your investments 100% online.
- Access your funds at any time (high liquidity).
- Invest with no ceiling.
- Secure your capital with low risk exposure.
Special Purpose Accounts
Choose a top-tier banking partner to segregate your flows and ensure compliance (escrow accounts, settlement accounts, etc.).
- Earn interest on excess deposits.
- Fine-tune account access permissions.
- Control movements via API.
- Enjoy a fully paperless process.
Managing accounts of the parent company and its subsidiaries
Create additional current accounts to segment and track your activity at a granular level. Manage and access all your subsidiary accounts that are held with us.
Preparing your bank reconciliation
Assign a virtual IBAN to a customer, a specific transaction, an internal department, etc. Your finance and accounting teams will then be able to accurately and swiftly identify and reconcile incoming and outgoing transactions.
Connecting your tools to your bank
Connect your accounting and treasury tools to your Memo Bank accounts via our Open Banking API: Pennylane, Payfit, Sage, etc.
EBICS TS (Interbank communications protocol)
Seamlessly transfer banking data between your own tools and your Memo Bank current account via EBICS, a highly-secure interbank communication protocol.
Support
Our account managers and expert teams (IT, legal, risk) are at the forefront of complex flow management.
Our operational excellence is acclaimed by our clients, with a Net Promoter Score (NPS) of 75, one of the highest in the corporate banking sector.
