FOREIGN CURRENCY ACCOUNT

The USD bank account your business has been waiting for

Send and receive payments in the world's most traded currency, without friction, with our USD current account. Instant opening, API-powered order automation, direct connection to USD treasury investment funds, everything is designed to facilitate your transactions and grow your USD surplus cash.

A USD account up and running in seconds, built to perform at scale

Instant opening and full autonomy

Open your USD current account directly from your Memo Bank workspace, in complete autonomy and in seconds.

No more back-and-forth with your relationship manager or time-consuming KYC processes for each new entity.

End-to-end payment automation via API

Schedule, trigger and validate your USD payments at scale, with no human intervention, through our payments API. Need to make payments in other currencies? From your EUR current account, our API lets you issue orders in 104 currencies.

Full transparency on exchange rates

For internal treasury transfers from your Memo Bank EUR current account to your USD current account, the exchange rate and the exact amount to be debited in euros are displayed before confirmation.

Intelligent analytical categorisation

Use existing categories or create custom analytical axes for your USD transactions, in French or English. Every transaction is automatically categorised, simplifying your bank reconciliation.

Real-time visibility and historical data

Get real-time visibility across all operations on your USD current account. Our interface lets you filter, isolate and analyse transactions by team, project, client, supplier, etc., drawing on both recent and historical data.

Task delegation without compromising security

Set read or write access for each team member on your USD current account, and build secure, tailored approval workflows for every outgoing payment.

The alliance between performance and security for your USD

Put your USD to work without tying up your liquidity

Stop letting your USD balances sit idle. Directly from your Memo Bank interface, transfer your USD surplus into our various funds, with access to your capital within one business day. Available in USD, Amundi STAR targets a return of 0.10% against the SOFR. Our USD Money Market Fund offers a yield correlated to the Fed Funds Rate.

The strength of a fully licensed French bank

Memo Bank is a credit institution authorised by the European Central Bank, supervised by the ACPR and registered with ORIAS. By choosing our USD currency account, you benefit from the security of a French bank subject to the strictest banking protection standards.

Priority execution of your USD transfers

To offer you this USD current account, we have established a partnership with Bank of New York Mellon, the world's largest asset custodian. This partnership guarantees priority and secure execution of all your transfers on the dollar network.

Optimise your USD treasury today

01Instant and autonomous account opening
02USD current account accessible from the first dollar
03USD orders issued directly via API
04Real-time categorisation and monitoring of your USD transactions
05Customisable access rights for your team members
06Approval workflows for USD payments
07Access to money market investments correlated to the Fed Funds Rate

Frequently asked questions on our USD bank account

How do I open a USD current account for my company?

Once you have submitted your request to your relationship manager, you open your USD currency account directly from your workspace, in seconds and in complete autonomy.

Can I automate international USD transfers via API?

Yes. Memo Bank's payments API lets you schedule, trigger and validate dollar transfers at scale, with no human intervention. Additionally, from your EUR current account, the API lets you issue transactions in 104 currencies.

Discover our payments and collections API

Is the Memo Bank USD currency account secure?

Yes. On one hand, Memo Bank is a credit institution authorised by the ECB and supervised by the ACPR. Its prudential ratios are very strong, demonstrating robust governance. On the other hand, the USD current account is backed by a partnership with BNY Mellon, the world's largest asset custodian, ensuring secure execution on the dollar network.

Read our financial reports

What exchange rate applies to EUR to USD treasury transfers?

For transactions between your Memo Bank EUR and USD current accounts, the exchange rate and the exact amount debited in euros are displayed before each transfer to the USD current account is confirmed.

Can I grow my idle USD balances?

Yes. From your Memo Bank interface, you can transfer your USD surplus cash into one of our treasury investment funds, all available within 24 hours:

Amundi STAR funds correlated to the SOFR. This investment offers a return of 3.79% as of June 16th 2026.
Money Market funds correlated to the FFR. This investment offers a return of 3.47% as of June 16th 2026.

What is the minimum amount to open a USD account with Memo Bank?

The Memo Bank USD current account is accessible from the first dollar, with no minimum deposit required.

Do you offer current accounts in other currencies?

We offer a EUR current account. Currency accounts for GBP and CAD operations will be available soon. For more information, please do not hesitate to contact your relationship manager.

Discover our EUR current account

Book a meeting with your relationship manager

Do you offer USD clients accounts?

Yes. In addition to our USD current account, we can offer you client accounts, including safeguarding accounts, denominated in dollars.