French term deposit account

Optimise your surplus cash with no constraints and in full autonomy

Tterm deposit accounts that you can open and manage online in France: a great yet rare product. Term deposit accounts that also offer competitive rates whilst allowing partial and full withdrawals without penalty: you can only find this product at Memo Bank.

A fully-flexible term deposit account

Online and quick account opening

Online and quick account opening

Opening our term deposit account can be done and e-signed online. It is a matter of a few seconds to open an account.

Online and quick account opening
Stepped interest rates

Stepped interest rates

The remuneration of our term deposit account features stepped interest rates: the rate determined at the time of opening increases in steps until the term deposit reaches maturity. Our term deposit account is available in maturities ranging from 3 months to 24 months.

No penalties when making full withdrawals.

No penalties when making full withdrawals.

When making full withdrawals from the term deposit account, you won’t incur any penalty fees.

Partial withdrawals are allowed

Partial withdrawals are allowed

Unlike other term deposit accounts, ours do not require you to fully lock your funds. You can make partial withdrawals from our term deposit account by just giving 32-day notice

Partial withdrawals are allowed

Your deposits are placed with a trusthworthy, solid and responsible French bank

Your funds are in the safest place

Your funds are in the safest place

Your funds are protected. Our Liquidity Coverage Ratio (LCR), and Net Stable Funding Ratio (NSFR) are standing way above Basel III requirements.


We are not financing fossil fuels

We are not financing fossil fuels

We are not financing fossil fuels. Let’s be clear here: Memo Bank will never use your deposits, whether you put them in a current account or a time deposit account, to fund oil, gas, or coal initiatives.

Hundreds of companies trust Memo Bank

See all client cases

Your surplus cash will keep growing

Features
  • 1

    A French term deposit account that can be opened, managed and closed online


  • 2

    Maturities ranging from 3 months to 24 months


  • 3

    Stepped interest rates


  • 4

    Full withdrawals without any penalty fee


  • 5

    Partial withdrawals by giving 32-day notice

Experience
speaks louder than words.

Ready to leave the dark side of banking behind?

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