In brief: Memo Bank becomes profitable

Memo Bank, an independent French banking institution focused on transaction-intensive companies, has just announced that it has signed a record 2025 year, and has reached its threshold of profitability in the first quarter of 2026. More than its previous credit model, it is its API offer First dedicated to the management of payment flows which today makes the success of fintech.

Memo Bank has therefore reported its very good results, and announced that it had recorded a 70% growth in its Net Bank Product in 2025. It now stands at €9.2 million.

This growth is partly supported by its prospecting efforts while its customer portfolio is also on the rise, and fintech now has 775 companies using its services (+53% year-on-year).

Memo Bank also stated that it had processed EUR 3 billion in volume payments in December 2025, 3 times more than in December 2024.

The total balance sheet of the neobank stood at EUR 407 million, up 23% from 2024.

A model now established

Memo Bank was the first independent French banking group to obtain a bank licence from a credit institution in 50 years, and originally wanted to become a real bank for SMEs. However, it ensured the launch of a software interface (API) to ensure the automation of large-scale payments. And today, 65% of its clients' flows are via API.

Its ambition is now clearly displayed, Memo Bank plans to become the European reference for API-first payments, enriching its Premium API, ensuring the development of its multi-currency capabilities and integration with the main market management software.

Traduit automatiquement via Libretranslate / Automatically translated via Libretranslate