# Memo Bank

> Source: https://docs.barcoder.ai/docs/wallets/memo-bank
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Memo Bank — official](https://memo.bank/)

## Key details

- **Launch:** 2017

## Overview

**Memo Bank** is **French B2B neobank for mid-market businesses** + **full ACPR France banking license** + **first new full French banking license issued in ~10 years** <sup>[1][1], [France report](https://docs.barcoder.ai/docs/payments/FR)</sup>.

## History

**2017 — Memo Bank founded by Jean-Daniel Guyot + Olivier Belaouchi + Aurélien Marc in France**.

**2020 — Memo Bank granted full ACPR France banking license + first new full French banking license issued in ~10 years** distinctive French banking licensing heritage.

**2020 — Memo Bank mid-market business banking app launch**.

## Ownership & operator

**Operating entity**: **Memo Bank SA** (French B2B neobank for mid-market businesses; private).

**Major shareholders**: **BlackFin Capital Partners + Daphni + Founders Future + Jean-Daniel Guyot + Olivier Belaouchi + Aurélien Marc co-founders**.

**Regulators**: **ACPR France + ECB**.

## Technical integration

Memo Bank mobile app (iOS + Android) + memo.bank web + Memo Bank Mastercard business cards; SEPA + SEPA Instant + EPC-QR + Wero (post-EPI launch).

## Implementations & partners

**Major French + EU B2B neobank competitors**: [Qonto](https://docs.barcoder.ai/docs/wallets/qonto) (Qonto French B2B neobank for SMEs + freelancers; ACPR France credit institution licence post-Jul 2022; ~600K+ business customers across 8 countries; European business banking unicorn ~€4.4B valuation) + [Shine](https://docs.barcoder.ai/docs/wallets/shine) (Shine French B2B neobank for SMEs + freelancers; Société Générale subsidiary post-Jun 2020 ~€100M acquisition; ~100K+ business customers in France) + Finom (Finom European B2B neobank for SMEs + freelancers) + Revolut Business (Revolut Business UK + global B2B neobank).

**Regulators**: ACPR France + ECB.

## Status

**Active, French B2B neobank for mid-market businesses + full ACPR France banking license + first new full French banking license issued in ~10 years** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://memo.bank/ "Memo Bank — official"
[2]: https://en.wikipedia.org/wiki/Memo_Bank "Memo Bank — Wikipedia"
[fr-cro]: https://docs.barcoder.ai/docs/payments/FR

- [1] [Memo Bank — official][1]
- [2] [Memo Bank — Wikipedia][2]
- <sup>[France report](https://docs.barcoder.ai/docs/payments/FR)</sup> In-corpus: `reports/countries/FR-france.md`

## Source

Biography extracted from [memo-bank.md](https://docs.barcoder.ai/source/wallets/memo-bank). See `matrix.md` for standards-support matrix if present.