Memo Bank vs AngelList Stack.
Memo Bank (M72/100) and AngelList Stack (A66/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Memo Bank leads AngelList Stack 4-3.
| A AngelList Stack №45 · FDIC 66 /100 | M Memo Bank №31 · ACPR 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 66 /100 | 72 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | $0 /mo | €449 /mo |
| FX markup Debit card abroad | Interbank | 0.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Full bank ACPR |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €100,000 EU.DGS.FR |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | 4.6 ★ 0k reviews |
| App store iOS + Android avg | — | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick AngelList Stack if…
The integrated startup stack — incorporation + EIN + banking + cap table + payroll in one flow. Built specifically for pre-Series-A founders using AngelList Venture for SAFE management. Reduces the typical Stripe Atlas + Mercury + Carta setup time from 2-3 weeks to a single guided flow. Partner-bank fintech for the banking leg; the integration value is the moat, not the bank product itself.
Pick Memo Bank if…
The French mid-market SME bank that fills the structural gap between Qonto (freelancer-and-SME-led, ACPR credit institution) and chartered legacy banks (BNP Paribas Business, Société Générale Business). Full ACPR credit-institution licence with DGS protection. Mid-market SME tier (€1M-100M revenue) is the target audience; API-first treasury + Pennylane integration is the SMB-tech moat.
- Best for fees AngelList Stack won 2 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux Memo Bank won 2 of 2
Memo Bank vs AngelList Stack — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is AngelList Stack better than Memo Bank?
Under our v3 methodology, Memo Bank leads AngelList Stack 4–3 across 12 dimensions. Composite scores: AngelList Stack 66/100 vs Memo Bank 72/100. Memo Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is AngelList Stack or Memo Bank cheaper?
Monthly fee — AngelList Stack: $0; Memo Bank: €449. Card FX markup — AngelList Stack: Interbank; Memo Bank: 0.50%. AngelList Stack wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, AngelList Stack or Memo Bank?
AngelList Stack holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Memo Bank holds a Full bank licence under ACPR; deposit guarantee per depositor: €100,000. Both score equally on regulatory protection rows.
Where can I use AngelList Stack and Memo Bank?
AngelList Stack operates in 1 country; Memo Bank operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.