Aspire vs Memo Bank.
Aspire (A70/100) and Memo Bank (M56/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Aspire leads Memo Bank 6-1.
| A Aspire №37 · MAS 70 /100 | M Memo Bank №59 · ACPR 56 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 56 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €449 /mo |
| FX markup Debit card abroad | 0.30% | 0.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank MAS | E-money inst. ACPR |
| Deposit guarantee Per depositor | €100,000 SG.SDIC | Safeguarded EU.DGS.FR |
| Reach | ||
| Markets served Licensed jurisdictions | 8 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.3 ★ 1k reviews | 4.6 ★ 0k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick Aspire if…
The APAC-first multi-currency business-account platform for SaaS startups and e-commerce sellers — SG-HQ MAS Major Payment Institution with native multi-currency accounts (USD/SGD/EUR/GBP/IDR + HKD/AUD/IDR/MYR) plus local-currency receiving in 30+ countries and local account issuance in 6 jurisdictions (SG, HK, US, UK, EU, AU). Built for APAC startups taking USD revenue who need a SGD operating account without the friction of running Mercury (US) + a SG-bank relationship side-by-side. Stripe + Shopify + Xero integration depth makes Aspire the structural fit for SaaS / e-commerce / fintech operators in the region. MAS-licensed Major Payment Institution status is the structural anchor.
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 Aspire won 2 of 4
- Best for protection Aspire won 1 of 2
- Best for reach Aspire won 1 of 3
- Best for ux Tied
Aspire vs Memo Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Aspire better than Memo Bank?
Under our v3 methodology, Aspire leads Memo Bank 6–1 across 12 dimensions. Composite scores: Aspire 70/100 vs Memo Bank 56/100. Aspire is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Aspire or Memo Bank cheaper?
Monthly fee — Aspire: €0; Memo Bank: €449. Card FX markup — Aspire: 0.30%; Memo Bank: 0.50%. Aspire 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, Aspire or Memo Bank?
Aspire holds a Partner-bank licence under MAS; deposit guarantee per depositor: €100,000. Memo Bank holds a E-money inst. licence under ACPR; deposit guarantee per depositor: Safeguarded. Aspire is the stronger pick on regulatory protection.
Where can I use Aspire and Memo Bank?
Aspire operates in 8 countries; 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.