Memo Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Memo Bank suits registered European companies that already move a high volume of bank payments each month and want the account as well as the loan. Financing of up to €1,000,000 over 12 to 84 puts it in a different class from the personal lenders listed beside it.

Key facts

Best for
Registered European companies wanting a loan and a revolving line from one bank.
Loan amount
up to €1,000,000 (Source, checked September 26, 2026)
Term
12 to 84 months (Source, checked September 26, 2026)
Funding time
Funds released within 48 hours after approval (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Companies registered in France with a SIREN, or in Europe (Germany, Spain, Italy, Benelux, Ireland), managing several thousand bank transactions per month; financing and overdraft reserved to existing clients (Source, checked September 26, 2026)
Loan types
Business, Credit-line (Source, checked September 26, 2026)
Legal entity
Memo Bank SA (SIREN 829226760) (Source, checked September 26, 2026)
Headquarters
France (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
memo.bank

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInXregafi.fr

Pros and cons

Pros

  • A direct lender, so the contract is with Memo Bank rather than a broker (direct lender).
  • Funds released within 48 hours after approval, so a supplier payment deadline is easier to plan around.
  • The loan sits alongside a credit line, which helps when the amount needed changes from month to month.
  • Founded in 2017 and headquartered in France.

Cons

  • Support runs on email and help centre only, so a business in a hurry has no phone line to call.
  • The range covers business and credit line, so there is no consumer loan in it.
  • Eligibility is narrow: a company registered in France with a SIREN, or in Germany, Spain, Italy, Benelux or Ireland, already running a high volume of bank transactions.
Memo Bank

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Registered companies in France with a SIREN that already handle a high volume of bank transactions each month.
  • Existing clients who want a revolving credit line next to the loan.
  • Businesses that would rather hold the loan and the overdraft with one direct lender at a fixed rate.

Who should look elsewhere

  • Individuals after personal borrowing: Plazo ES offers €500 to €5,000 and Vivus ES offers €50 to €1,400 to consumers rather than registered companies.
  • Companies outside the covered countries: Cashspace ES works at amounts of PHP 500 to PHP 25,000 in another currency, so check your country before reading further.

How your money is protected

Memo Bank is a direct lender, so the agreement sits with the bank rather than a broker (direct lender). It is listed on the AMF register as GP-11000029 and on OIAS as 25004636. Both are the identifiers to check against the public registers before you commit to terms.

How Memo Bank compares

Where Memo Bank is available

Available
Belgium, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Spain
Licence in France
European Central Bank (BCE), checked September 26, 2026
Licence in France
Autorite de Controle Prudentiel et de Resolution (ACPR), Banque de France, checked September 26, 2026
Licence in France
Autorite des Marches Financiers (AMF) (GP-11000029), checked September 26, 2026
Licence in France
ORIAS (25004636), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can Memo Bank lend, and over what term?+

Financing of up to €1,000,000 is available to eligible companies, and the loan can be repaid over 12 to 84. Both figures sit well above the personal lenders listed alongside, so this is for a company buying equipment or funding a larger purchase rather than covering a small monthly gap.

How quickly is money released?+

Funds released within 48 hours after approval. That puts the wait after the approval decision rather than before it, which matters for a company paying a supplier on a fixed deadline rather than a date it has to guess at.

Is the rate fixed or variable?+

The loan is priced on a fixed rate, so the cost of the debt does not move with the market while you repay it. The revolving facility sits alongside the loan, which helps a company whose monthly requirement rises and falls.

Who can open a Memo Bank account?+

The account is open to businesses established in France with a SIREN, plus those in Germany, Spain, Italy, Benelux and Ireland that already run a busy stream of bank payments each month. What sits on the table is business and credit line, written for that kind of company rather than for people buying a personal loan.

What support do customers get?+

Support runs on email and help centre only, so there is no phone line or live chat in the range. For a business account that is workable, though a company with a payment problem in front of it will be quicker emailing or reading the help centre than trying to reach a person.

Which registers list Memo Bank?+

The bank is registered with the AMF as GP-11000029 and with OIAS as 25004636. It lends as a direct lender (direct lender), so the borrower deals with the bank itself rather than an intermediary, and those two entries are the identifiers to check.

Can a new customer use the revolving line at once?+

Financing and the overdraft are reserved to existing clients, so a company joining now can look at business and credit line but waits on the revolving line. That suits a business that has already built a payment history with the bank rather than a first-time applicant.

How does it compare with the personal lenders here?+

The difference is size and customer. Memo Bank finances companies with amounts of up to €1,000,000, where Plazo ES offers €500 to €5,000 and Vivus ES offers €50 to €1,400 to individuals. If you are a person rather than a registered company, the personal lenders are the relevant read.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Credit check, Representative example.

Memo Bank

Memo Bank

Registered European companies wanting a loan and a revolving line from one bank.

8.8/10See alternatives

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