Memo Bank vs Bluevine.
Memo Bank (M72/100) and Bluevine (B70/100), 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 Bluevine 4-3.
| B Bluevine №38 · FDIC 70 /100 | M Memo Bank №31 · ACPR 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 72 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €449 /mo |
| FX markup Debit card abroad | 2.00% | 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 | 4.5 ★ 10k reviews | 4.6 ★ 0k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick Bluevine if…
US business-checking-led neobank with the deepest sweep-extended FDIC of the US partner-bank category — $3M via Coastal Community Bank + a 17-bank sweep network. Premier tier ($95/mo waivable) pays 3.0% APY uncapped on all balances, structurally distinct from Mercury (Treasury yield via brokerage) or Novo ($250K single-bank only). Bluevine Line of Credit (up to $250K) and an invitation-only Cashback Mastercard (1.5% unlimited, launched June 2024) sit alongside the checking product.
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 Tied
- Best for protection Tied
- Best for reach Tied
- Best for ux Tied
Memo Bank vs Bluevine — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bluevine better than Memo Bank?
Under our v3 methodology, Memo Bank leads Bluevine 4–3 across 12 dimensions. Composite scores: Bluevine 70/100 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 Bluevine or Memo Bank cheaper?
Monthly fee — Bluevine: €0; Memo Bank: €449. Card FX markup — Bluevine: 2.00%; Memo Bank: 0.50%. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Bluevine or Memo Bank?
Bluevine 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 Bluevine and Memo Bank?
Bluevine 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?
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