The business account your business can count on
Manage your company finances whenever and wherever.
Send wire transfers in no time. Just select the beneficiary, enter the amount, hit send and voila. Need to make payments to several accounts at the same time? You can upload batch transfers with an XML file.
Memo Bank accounts are designed with teams in mind. Give access to individuals within your company or to your accountant. Customize each user profile with distinct credentials and permissions.
Your Memo Bank account makes it easy to manage all of your direct debits (both standard and B2B). Set up a new direct debit in three clicks. Pause or cancel whenever you want.
Handle beneficiaries as easily as email contacts. Add new accounts instantly. No 48-hour delay and no entering IBANS four digits at a time.
Sort your transactions like email. Use our suggested tags or create your own categories to identify types of expenditure, such as travel or training, with ease.
Do you have several companies? Switch between their accounts in one click, without disconnecting and reconnecting each time. A secure single login gives you access to all your companies at once.
Create current accounts for all your needs
Every account has its role
Stop using your main current account for everything. Open as many secondary current accounts as you want to organize your transactions. Create accounts for your teams, your suppliers, or any expenses.
Every account has its IBANs
All secondary accounts you create have their own IBANs. They are current accounts in their own right. Send and receive transfers from any of them.
Every account has its set of rules
Open and close current accounts whenever you want, without asking your banker's permission. Set a spending limit and define who can access each of them.
Create as many virtual IBANs as you want. For free.
Works with all your current accounts
You can create as many virtual IBANs as you want, for each of your Memo Bank current accounts. Your virtual IBANs act as aliases of your main IBAN, they conceal it from a recipient to protect your privacy.
Helps with your bank reconciliation
Create as many virtual IBANs as you need—you might want to create a different one for each of your clients. That way, you'll be able to trace incoming payment depending on the virtual IBAN they go through. Pairing your incoming payments with your outgoing invoices becomes much easier.
Protects your banking privacy
Virtual IBANs conceal your main IBAN to your recipients. With virtual IBANs, none of your suppliers receives the same IBAN—you can send a different one to each of them, without breaking anything. You suppliers still get paid, they just don't see your main IBAN when they do. More privacy for you.
An account that works for you
Interest-bearing deposits
Funds deposited in Memo Bank current accounts start earning 0.15% to 0.25% per year from the very first euro. An effortless way to build up a little cushion.
No volume fees
You read that right. You only pay the monthly fee, which includes a set number of transactions, and there are no volume fees. Your banking expenses are straightforward and predictable.
What about capital increases?
They are possible and fast. With Memo Bank’s capital accounts, you can quickly deposit or increase your capital. Once your funds have been received, get a certificate within 48 hours only.