Memo Bank vs GoTyme.
Memo Bank (M72/100) and GoTyme (G52/100), 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 GoTyme 5-2.
| G GoTyme №64 · BSP 52 /100 | M Memo Bank №31 · ACPR 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 52 /100 | 72 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €449 /mo |
| FX markup Debit card abroad | 1.50% | 0.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BSP | Full bank ACPR |
| Deposit guarantee Per depositor | Safeguarded PH.PDIC | €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 | 4.8 ★ iOS 4.8 · And 4.7 | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick GoTyme if…
Joint venture between Tyme Group (South African digital-bank operator) and JG Summit Holdings (PH conglomerate). Fastest-growing PH neobank — ~6M customers in <4 years. Instant in-mall card-issuance via Robinsons Retail kiosks is a structural differentiator.
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 Memo Bank won 2 of 2
- Best for reach Tied
- Best for ux Tied
Memo Bank vs GoTyme — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is GoTyme better than Memo Bank?
Under our v3 methodology, Memo Bank leads GoTyme 5–2 across 12 dimensions. Composite scores: GoTyme 52/100 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 GoTyme or Memo Bank cheaper?
Monthly fee — GoTyme: €0; Memo Bank: €449. Card FX markup — GoTyme: 1.50%; 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, GoTyme or Memo Bank?
GoTyme holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. Memo Bank holds a Full bank licence under ACPR; deposit guarantee per depositor: €100,000. Memo Bank is the stronger pick on regulatory protection.
Where can I use GoTyme and Memo Bank?
GoTyme 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.