International and European transfers

Send euros across Europe. Receive transfers in 23 currencies, including the euro. Expand your business beyond the eurozone and get paid by your international clients.

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SEPA transfers in euros

Send and receive euros in Europe

Pay and get paid in euros across the 36 countries of the Single Euro Payments Area (SEPA), including Switzerland, Monaco, and the United Kingdom. Thanks to the SEPA, you can transfer euros from France to another European country for the cost of a transfer from France to France.

Wire funds in less than 10 seconds

All your SEPA transfers can be sent either in a standard way or an instant way—without additional cost. With SEPA instant transfers, your funds get wired in just a few seconds, while standard transfers usually arrive within 1 or 2 business days.

Send up to 500 transfers at once

Grouped transfers allow you to bundle several transfers in a single, grouped one—this comes in handy when you need to pay your employees. To create a grouped transfer, import an Excel or XML file containing your transfer orders, and let Memo Bank do the rest.

SWIFT transfers in 23 currencies

Accept international payments in euros

Thanks to SWIFT transfers, you can receive international euro payments on your Memo Bank account, even if your business partner isn't located inside the SEPA zone. Think of this as a way to expand the list of countries you can do business with using only euros.

Receive international payments in foreign currencies

Your clients can't pay you in euro? No problem. With Memo Bank, you can receive payments in 22 foreign currencies. Get paid in dollars (USD), pounds (GBP), yens (JPY), or Swiss francs (CHF).

Make outgoing SWIFT transfers

In addition to incoming SWIFT transfers, you'll soon be able to make outgoing SWIFT transfers to wire funds worldwide, in 23 currencies, including the euro.

An exchange rate that makes sense. What a change.

Enjoy competitive exchange rates

When you receive an international payment, we exchange the currency you got paid in into euros before crediting your Memo Bank account. To offer you the most competitive exchange rates, we partnered with the most global bank: JP Morgan.

No hidden exchange fees

With Memo Bank, you know exactly how much your international payments cost you. Our margin depends on the amount of your transfer and the currency used—and it goes from 0.8 to 1.3%. We add transfer fees on top of that, the amount of which depends on your Memo Bank plan—5 or 10€ per transfer depending on your plan.

Interface showing an ongoing grouped beneficiaries import using a CSV file.

Make faster payments

Batch import your beneficiaries

When you open a current account in a new bank, your beneficiaries aren't automatically transferred from your former bank to your new one. That's a pity, but that's the way it is. To make the switch to Memo Bank as easy as possible, you can batch import all your beneficiaries at once, using an Excel or CSV file containing them all.

No need to wait 48 hours before a transfer

Your Memo Bank current account is designed to make your business faster, not to slow you down. With Memo Bank, there's no need for you to wait 48 hours before wiring funds to a new beneficiary that you've just added. Just add your new beneficiary on your Memo Bank workspace and make you transfer right away.


Current account

No volume fees
From €49/month

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