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Scale your payment operations at constant headcount

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Our mission is clear: enabling companies to steer their payments frictionlessly, in real-time, and at scale. We replace banking complexity with modern, reliable infrastructure.

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Banking infrastructure built to support your growth

Traditional banks often rely on aging technologies that slow you down and limit your autonomy. Conversely, fintechs innovate fast but lack the robustness, compliance, and guarantees of a fully licensed bank.


Choosing Memo Bank means demanding the best of both worlds. You manage your flows and liquidity automatically, centrally, and in real-time.

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Over €4 billion in monthly transaction volume



Powerful technology backed by experts

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Speed and scale for your transactions

10 days to integrate our API
24 hours to collect customer payments
10 seconds to send wire transfers
Over 100 currencies available
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A team of experts to support you

Dedicated Account Manager
IT, Legal, and Compliance experts
Responsive support team

A young bank and yet a strong reputation

Memo Bank, is:


  • The first independent bank in France in over 50 years.
  • A modern banking infrastructure is designed to answer your current and future needs quickly.
  • Operational excellence for all companies, with revenue ranging from €10 million to €100 million.
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Hundreds of companies already convinced
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International awards
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Connected at the core of payment systems
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Our climate strategy
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Hundreds of companies are automating their flows.

Why not you?