Invest in money market funds, without any constraints
Our EUR, USD and GBP money market funds give you direct access to performance by removing the hurdles of a securities account and multi-portal management. Enjoy a unique solution to maximise your returns while reducing your risks. All from a single, unified platform.
A flexible and high-performing investment for your surplus cash
Competitive rate of return
Maximise the yield on your surplus cash:
1. For your EUR: the yield on our MMF is correlated to the €STR. As of 27 August 2026, the yield stands at 2.16%.
2. For your USD: the yield on our MMF is correlated to the Federal Funds Rate. As of 27 August 2026, this yield stands at 3.75%.
3. For your GBP: the yield on our MMF is correlated to the SONIA. As of 27 August 2026, this yield stands at 3.59%.
No maximum balance
Access to the fund is very flexible: the minimum initial subscription is 1 EUR/USD/GBP and 1 EUR/USD/GBP for subsequent ones. You can invest your surplus cash with no amount limit.
Very low risk on your capital
Depending on the currency, the fund is primarily invested in Eurozone government debt (EUR MMF), U.S. Treasury bills (USD MMF) or UK Treasury bills (GBP MMF), all of which are renowned for their high quality and stability. Therefore, while the invested capital is not guaranteed, the risk of loss is very low.
Centralised and integrated management
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.
Funds available within 24 hours
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.
Transparent pricing
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 the yield.
The intersection between expertise and flexibility to grow your liquidity
A strategic partnership with Twenty First Capital
To offer you this money market fund, Memo Bank has built 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.
Other ways to optimise your surplus cash
Memo Bank's interest-bearing solutions also include Amundi STAR, an enhanced cash fund, with a target return above overnight rates (€STR, SOFR or SONIA) and the Booster account, an instant access savings account indexed against to the €STR.
A secure and high-performing investment solution
01 EUR Money Market Fund: A competitive yield correlated to the €STR. In March 2026, the yield stands at 2.16%
02 USD Money Market Fund: A competitive yield correlated to the EFFR. In August 2026, the yield stands at 3.75%
03GBP Money Market Fund: A competitive yield correlated to the SONIA. In August 2026, the yield stands at 3.59%
04Centralised access and management from your banking platform
05Quick access to your funds (24 hours to 48 hours)
06Open from 1 EUR/USD/GBP for the initial subscription
07No maximum balance
