Visa corporate cards with deferred debit

Memo Bank’s corporate cards are designed with business owners in mind. Memo Bank’s cards work hand in hand with Memo Bank’s current accounts. We built deferred debit cards, so you can buy now and pay later. The close integration between your current accounts and your payment cards gives you a real time view of your cards spending. It’s everything you’ve ever expected from a smart corporate card, with all the guarantees offered by a real bank.

Buy now. Pay later. Keep cool.

Memo Bank’s cards are deferred debit Visa corporate cards. The purchases you make with Memo Bank’s cards show up on your Memo Bank account in real time, right away, but they’re only debited on the first day of the following month.

Image showcasing the deferred debit feature linked to our payment cards.

Buy now

Modern businesses can’t succeed without speed. They need to move fast. With Memo Bank’s cards, all your purchases show up in real time on your current accounts. It only takes a few seconds for the card purchase you just made to appear on your Memo Bank workspace.

Pay later

Enjoy 30 days of free cash flow. Thanks to deferred debit, your purchases don’t get debited from your account until the first day of the following month. Heavy card user? No problem. Your deferred debit spending can go up to €50,000 per month (in total).

Keep your cash flow flowing

No need to wire funds on the current accounts linked to your corporate cards at the beginning of the month. No more end-of-the-month-surprises either. The combination of real time payments and deferred debit allows you to move forward with your purchases without spending a dime in advance.

“À la carte” cards

Assign a corporate card to your coworkers, without working you out. All your employees can use Memo Bank’s corporate cards—from your head of marketing to your VP of Sales. And all your Memo Bank current accounts can be linked to your Memo Bank cards.

Image showcasing the creating of a new virtual payment card.

Your cards. Your workspace. One website.

There’s no need for you to log in to a separate website to track your spending. Your card purchases are automatically linked to your Memo Bank workspace. All in one place.

A corporate card for each employee

No need to borrow your boss’s corporate card anymore. With Memo Bank, all of your employees can have their own corporate card, with a tailored spending limit (one per card). You can even go as far as personalizing each corporate card internally with a custom name.

A current account for each corporate card

Each Memo Bank card can be linked to a Memo Bank current account—any account. Your head of marketing’s card can be linked to your marketing team’s current account. No need to link all your corporate cards to your main current account.

An invoice for each card purchase

With Memo Bank’s cards, all your card purchases automatically show up on your Memo Bank workspace the minute they’ve been made. Your coworkers don’t need to wait a few days before being able to add an invoice to the details of their transaction—they can do it right away. And those who forget to do so will receive a friendly reminder (via e-mail) a few days later.

Keep your card spendings under control

Image showcasing Memo Bank's payment cards global view.

Unified budget

Stay on top of your spendings. Just set a monthly cap for all your card spendings and follow your global card budget in real time. No need to wait until the end of the month to see how you’re doing.

Custom payment limits

Set a custom spending limit for each corporate card. Choose how much each of your employees can spend using their corporate card—either weekly or monthly. And if you change your mind about a spending limit, you can always change it later.

Whitelisted transactions

Allow (or block) certain kinds of card transactions. For example, you can disable cash withdrawals for all your corporate cards.

One card. Two versions.

Image showcasing our black Visa corporate payment card.

Physical cards

Make purchases everywhere using Memo Bank’s physical corporate cards. Just order a few of them and we’ll mail them to you. Once you've received your physical cards, activate them using your Memo Bank workspace—no trip to the bank counter required.

Image showcasing the creation of a new virtual payment card on the mobile version of our website.

Virtual cards

Use Memo Bank’s virtual cards to shop online. Create a new virtual card in a few simple steps and copy your card’s number in a single click—no Post-it required. Goodbye lengthy virtual cards creation processes. Hello speed and simplicity.

Easy to use. Hard to hack.

When it comes to corporate cards, security is not an option. Memo Bank’s cards come packed with all the security features that make modern corporate cards both safe and simple to use.

Image showcasing the ability to block a given payment card.

When in doubt, just freeze your card.

Lost your card? Just block it on your Memo Bank workspace. Just found your lost card? Unblock it in a single click. Your card has been stolen? Sorry about that. Destroy it completely and order a new one easily.

Two-steps validation at every step of the way

You’ll receive confirmation requests right on your mobile every time you’re creating or editing a Memo Bank card. If you change the parameters of one of your corporate cards, you’ll be asked for confirmation first.

Protected by 3-D Secure

With Visa’s 3-D Secure purchase protection system, you’ll receive a notification on your mobile when shopping on 3-D Secure affiliated websites.

Make purchases around the world. Around the clock.

In the Eurozone and beyond

Memo Bank’s cards are accepted both inside and outside the Eurozone. Need to make a purchase in British Pounds? That works. In Japanese Yens? Works too.

With Visa’s exchange rates

On a business trip? Just make purchases and withdraw money from an ATM using your corporate card. With Visa’s exchange rates, all the purchases you make abroad get converted to Euros instantly.

Current account

No volume fees
From €49/month

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