# Memo Bank > Memo Bank is a licensed European credit institution built for high-transaction-volume businesses. It provides modern banking infrastructure - API-first, real-time, and regulation-compliant - to help companies scale their payment operations without friction, without hiring armies of operators, and without technical debt. Memo Bank's ambition is to become the reference bank in Europe for transaction-intensive companies. Its mission: enable European businesses to operate payments without friction, in real time, at scale, through a modern banking infrastructure and a full credit institution licence. Key notes: - Memo Bank is a fully regulated credit institution (not a fintech wrapper or e-money institution), which means client funds benefit from deposit protection. - Its primary personas are the CEO (who wants payments as a growth lever), the CFO (who wants automation, reconciliation, and cost control), and the CTO (who wants a modern REST/JSON API with zero maintenance overhead). - The API is REST/JSON with JWT authentication - no XML, no FTP. First functional call achievable within hours; full integration in under 15 days. - Memo Bank guarantees full backward compatibility (no breaking changes) and targets zero downtime. - Memo Bank serves transaction-intensive businesses in insurance, real estate, financial services, and asset management, among others. ## Products - Payments - [Payment API](https://memo.bank/en/product/api/): Automate and orchestrate payment flows via a modern REST/JSON API with JWT auth, idempotency, and IP whitelisting. - [SEPA Direct Debits](https://memo.bank/en/product/sepa-direct-debits/): Collect recurring payments via SEPA direct debit mandates. - [SEPA Credit Transfers](https://memo.bank/en/product/sepa-credit-transfers/): Send euro bank transfers within the SEPA zone. - [International Payments (SWIFT)](https://memo.bank/en/product/swift-transfers/): Send and receive cross-border payments worldwide via SWIFT. - [Corporate Cards](https://memo.bank/en/product/cards/): Issue and manage corporate payment cards for your teams. - [Virtual IBANs](https://memo.bank/en/product/virtual-ibans/): Generate unique virtual IBANs to automate payment reconciliation at scale. - [Integrations - EBICS, PSD2 API, jedeclare.com](https://memo.bank/en/product/connectivity/): Connect Memo Bank to your accounting, ERP, or treasury tools via EBICS, PSD2 API, or jedeclare.com. ## Products - Accounts & Savings - [Current Account](https://memo.bank/en/product/current-account/): The core business account for day-to-day operations. - [Client Accounts](https://memo.bank/en/product/client-accounts/): Segregated accounts to hold client funds, suited for regulated businesses (asset managers, insurers, property managers). - [Money Market Funds](https://memo.bank/en/product/money-market-funds/): Invest idle cash in money market funds directly from your account. - [Booster Account](https://memo.bank/en/product/booster-account/): A high-yield savings account to optimise cash management. - [Term Deposit](https://memo.bank/en/product/term-deposit-account/): Lock in cash for a fixed term at a guaranteed rate. ## Products - Credit & Financing - [Overdraft](https://memo.bank/en/product/overdraft/): Short-term credit facility to cover temporary cash needs. - [Medium and Long-Term Loans](https://memo.bank/en/product/loans/): Investment financing for growth and capital expenditure. - [Capital Increase](https://memo.bank/en/product/capital-increase/): Support for equity financing operations. ## Products - Security & Fraud - [Memo Bank Protect (Anti-Fraud)](https://memo.bank/en/product/anti-fraud/): Real-time fraud detection and protection for payment flows. ## Solutions by Role - [For CEOs](https://memo.bank/en/who/ceo/): Scalable banking infrastructure that grows with your business - payments as a competitive advantage. - [For Finance Departments](https://memo.bank/en/who/finance-department/): Automate reconciliation, manage cash flows, and gain real-time visibility. - [For Accounting Departments](https://memo.bank/en/who/accounting-department/): Simplify bank reconciliation with virtual IBANs and automated reporting. - [For IT Departments & CTOs](https://memo.bank/en/who/it-department/): A modern REST/JSON API with JWT auth, full backward compatibility, and zero maintenance overhead. ## Solutions by Industry - [Insurance](https://memo.bank/en/industry/insurance/): Client accounts and payment automation for premium collection and claims. - [Real Estate & Rental Management](https://memo.bank/en/industry/rental-management/): Segregated client accounts and automated rent collection. - [Financial Services](https://memo.bank/en/industry/financial-services/): Compliant infrastructure for payment-intensive financial firms. - [Asset Management](https://memo.bank/en/industry/assets-management/): Client fund segregation and regulated banking for asset managers. ## Use Cases - [Bank Reconciliation with Virtual IBANs](https://memo.bank/en/usage/bank-reconciliations-and-virtual-ibans/): Automate reconciliation by assigning a unique IBAN to each counterpart or transaction type. - [Safeguarding Funds](https://memo.bank/en/usage/safeguarding-funds/): How Memo Bank helps regulated businesses segregate and protect client funds. - [Simplify Your Financial Ecosystem](https://memo.bank/en/usage/simplify-financial-ecosystem/): Consolidate banking, payment flows, and integrations into a single modern infrastructure. ## About Memo Bank - [Our Value Proposition](https://memo.bank/en/about/why-memo-bank/): Why Memo Bank vs. a traditional bank or a fintech. - [Memo Bank vs. The Competition](https://memo.bank/en/about/memobank-vs-traditional-banks/): A direct comparison of Memo Bank against incumbent banks. - [Our Story](https://memo.bank/en/about/): The history, team, and vision behind Memo Bank. - [Our Platform](https://memo.bank/en/about/platform/): How the Memo Bank platform is built and what makes it different. - [Climate Commitments](https://memo.bank/en/about/commitments/): Memo Bank's approach to environmental responsibility. - [Governance](https://memo.bank/en/about/governance/): Corporate governance structure as a regulated credit institution. - [Deposit Protection](https://memo.bank/en/about/security-deposits/): Client funds are protected under the French deposit guarantee scheme (FGDR) up to €100,000. - [Operational Security](https://memo.bank/en/about/security-operations/): Security architecture: IP whitelisting, JWT auth, native idempotency, regular security audits. - [Case Studies](https://memo.bank/en/clients/): How Memo Bank clients use the platform to scale their payment operations. - [Pricing](https://memo.bank/en/pricing/): Transparent pricing for Memo Bank products and services. ## Developers & Documentation - [API Documentation](https://docs.api.memo.bank/): Full technical reference for Memo Bank's REST/JSON payment API. - [Help Center](https://aide.memo.bank/): Guides, FAQs, and support resources. ## Legal & Compliance - [Service Agreement](https://memo.bank/en/agreement/): Terms and conditions governing use of Memo Bank services. - [Legal Notice](https://memo.bank/en/legal-notices/): Legal information about Memo Bank as an entity. - [Data Protection](https://memo.bank/en/personal-data/): How Memo Bank handles personal data (GDPR-compliant). - [Reports](https://memo.bank/en/reports/): Annual and regulatory reports published by Memo Bank. ## Optional - [Magazine](https://memo.bank/en/magazine/): Editorial content on payments, banking, and financial operations for businesses. - [Press](https://memo.bank/en/news/): Press releases and media coverage. - [Careers](https://careers.memo.bank/): Open positions at Memo Bank. - [Contact & Partnerships](https://memo.bank/en/contact-partnerships/): Get in touch with Memo Bank's team. - [Sign Up](https://memo.bank/en/sign-up/): Become a Memo Bank client. - [Sign In](https://client.memo.bank/login): Access the Memo Bank client portal.