memo.bank valid
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.
- Authority
- 47 reach 6 · trust 5 · quality 21 · freshness 15
- Tier
- listed
- llms.txt
- https://memo.bank/llms.txt
- Sections
- 11
- Links
- 49
- Size
- 8036 bytes
- Popularity rank
- #747509
- For agents
- Documentation: developer or product docs worth reading, nothing to call
- First seen
- 2026-10-19T10:44:45.129Z
- Last checked
- 2026-10-21T14:37:54.844Z
- Badge
Their llms.txt
The beginning of the file, from our validated copy saved 2026-10-21T14:37:51.802Z. Cached copy · Source on memo.bank
# 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-yie
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