You can invest your surplus cash in our money market fund once your Booster account limit is reached. Our money market fund is correlated with the €STR. Between June 2025 and July 2025, its net annualized performance stands at 1.79%.
Access to the fund is very flexible: the minimum initial subscription is €1,000, and €1 for subsequent ones. You can invest your surplus cash with no amount limit.
The fund is primarily invested in high-quality Eurozone public debt securities to aim for high stability of its Net Asset Value (NAV). Thus, even though the invested capital is not guaranteed, the risk of loss is very low.
No more need to open a securities account or juggle multiple financial portals to grow your liquidity. Access and management of our fund are done directly from your Memo Bank workspace, completely autonomously.
The funds are highly liquid. From your workspace, you can initiate withdrawals in the same way as subscriptions. Orders are processed daily, and you receive the funds within 24 to 48 hours.
Annual management fees amount to 0.25%, charged daily on a pro-rata basis on the assets under management. The displayed interest is always net of these fees, ensuring full clarity on your return.
To offer you this money market fund, Memo Bank has formed a partnership with Twenty First Capital, an asset management company authorized by the French Financial Markets Authority (AMF): €2.6 billion in assets; 33 managed funds; 13 years in business.
In addition to this new money market fund, Memo Bank offers several investment solutions: the Booster account, a 100% liquid investment correlated with the €STR, and the flexible term deposit account, which allows for partial and early withdrawals, for your medium or long-term surplus cash.
Banking as it should be.
Memo Bank is a limited company (Société Anonyme) with an Executive Board and a Supervisory Board with a capital of €13,084,327.35 and accredited as a credit institution by the European Central Bank and regulated by the French Prudential Supervision and Resolution Authority (4 place de Budapest, 75009 Paris). For investment services, Memo Bank acts as a tied agent of Twenty First Capital, a portfolio management company authorized by the Autorité des Marchés Financiers under number GP-11000029, registered with ORIAS under number 25004636.
Use cases
Do you need to release orders quickly with your suppliers? Fulfill your commitments without tapping into your liquidity too early? At Memo Bank, everything is designed to accelerate your execution speed
Use cases
Do you need to release orders quickly with your suppliers? Fulfill your commitments without tapping into your liquidity too early? At Memo Bank, everything is designed to accelerate your execution speed
