Memo Bank is a French credit institution founded in 2020, providing API-first banking infrastructure for transaction-intensive businesses. It specialises in automating and scaling payment operations, with a particular focus on sectors like fintech, insurance, real estate, and investment management. The company operates exclusively in France.
Its technical core revolves around Banking APIs, Payment Processing, and Financial Infrastructure. The platform processes over €4 billion in transactions monthly for more than 800 clients. A central offering is its REST API, which is designed to enable integration in 15 days and includes features such as virtual IBANs for reconciliation and real-time webhooks.
The product suite covers essential business banking functions, including Business Accounts, SEPA Transfers (including instant payments), Direct Debits, International Transfers via SWIFT, Corporate Cards, and Financing Solutions. It also provides access to Money Market Funds for business investment.
