Manage your expenses while optimising your resources
Expenses management are now made easy. At Memo Bank, corporate cards can be generated and managed online. Through the BNPL option, you give yourself more time to meet your financial obligations. Executing a business expenses strategy, all the while optimising your resources, is no longer a challenge.
Memo Bank is reshuffling the cards
Unique features, only from us
1. Switch between deferred and instant debit at any time.
2. Track deferred debit spending in real-time.
3. Create unlimited virtual cards.
4. Enjoy high spending limits.

Remove any card spending limits
The only spending limit on your card is the one you set, not the one that is set for you. If your balance or your overdraft agreement allows it, there's no obstacle to making unlimited payments with your cards.
An integrated expense management module
No need to juggle between various platforms to manage card expenses. Memo Bank allows you to centralise the entire card management process. Through a centralised and integrate module, you generate, configure, and track your team member's card spending, either at a granular level or at a card-level, awalys in real time.
Delegate the spending, not the control.
Equip your employees with payment cards and set specific rules for each one: spending limits, authorized merchant categories, and days of use. They gain autonomy for their business expenses, without ever needing to advance their own money. Meanwhile, you maintain complete, real-time control. Receipt management is just as simple: they can upload and link them to the right transaction with a single click in their mobile app.
One card, many ways to pay
Generate physical or virtual (personalised) cards for your teams or each team member. Our cards are compatible with Apple Pay and Google Pay. Stop compromising on cards and security. Our virtual cards are free.
Measure your carbon footprint
Each time you make a payment via a Memo Bank card, we'll calculate the carbon footprint associated with that payment. You can access this data to assess your carbon footprint.


Cards tailored to your business' needs
Don't let low card limits stop you in your tracks
Stay in control of the situation. Don't let unexpected card limits disrupt your (high-performing) online ads campaigns or cancel subscriptions to your favorite SaaS tools.
Say goodbye to expense reports
Remove the constraints you experience in managing expense reports. You can assign a corporate card to each of your team member. Our cards are available in both physical and virtual formats, can be personalised and are compatible with Apple Pay and Google Pay.
Give yourself more time to meet your financial obligations
The deferred debit option will give you an extra 30 days to meet your financial obligations, lifting the pressure on your WCR.
Hundreds of companies trust Memo Bank
Solid foundations for executing your expenses management strategy
01Virtual or physical cards, compatible with Apple Pay or Google Pay
02Deferred or instant debit payment options available on the same card
03Real-time categorisation and visualisation of colleagues' and teams' expenses
04Expense receipts added, scanned and converted automatically
05Card payment can be made in euros or in any other currencies
06Travel insurance included

