Memo Bank

Memo Bank is a European credit institution that provides an API-first banking platform for transaction-intensive businesses, including fintechs, insurers, and real estate firms. The company offers services such as automated SEPA payments, virtual IBANs for reconciliation, regulated accounts for safeguarding third-party funds, and short-to-medium term financing. It operates as a full-service bank licensed by the European Central Bank, focusing on automating financial flows and treasury management through direct integration.