Memo Bank is an independent French credit institution designed for businesses with high-volume, transaction-intensive operations. Approved by the European Central Bank and supervised by France’s ACPR, it combines banking services with technology and specialist support to help companies manage payments securely and at scale. Businesses can automate transfers, direct debits, collections and bank reconciliation through Memo Bank’s API, EBICS or files.

Its offerings include business and regulated accounts, euro and foreign-currency accounts, international payments, payment services, and tools such as API-based IBAN verification. The bank also provides cash-management solutions, access to short- and medium-term financing, and business cards. Memo Bank serves asset managers, insurers and brokers, fintech and financial-services firms, and real-estate businesses, including companies handling funds on behalf of clients.

Its infrastructure supports subsidiaries in France and Europe and is built around an internally developed core banking system connected to European payment systems. Memo Bank reports that more than 800 businesses use its services to automate payment flows, with support from dedicated account managers and banking, legal and technology experts