Memo Bank vs Revolut Singapore.
Memo Bank (M72/100) and Revolut Singapore (R52/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Revolut Singapore leads Memo Bank 7-4.
| M Memo Bank №31 · ACPR 72 /100 | R Revolut Singapore №63 · MAS 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 72 /100 | 52 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €449 /mo | €0 Free tier |
| FX markup Debit card abroad | 0.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €350 /mo |
| Protection | ||
| Banking licence Tier | Full bank ACPR | Payment inst. MAS |
| Deposit guarantee Per depositor | €100,000 EU.DGS.FR | Safeguarded SG.SDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 4 countries |
| Crypto Coins available | No | 30 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 0k reviews | 3.8 ★ 1k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
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.
Pick Revolut Singapore if…
Revolut's APAC arm — Singapore-licensed regional HQ for AU / NZ / JP rollouts. Same multi-currency super-app model with MAS regulation and SDIC SGD 100,000 cover. The default cross-currency option for English-speaking APAC consumers.
- Best for fees Revolut Singapore won 3 of 4
- Best for protection Memo Bank won 2 of 2
- Best for reach Revolut Singapore won 3 of 3
- Best for ux Tied
Memo Bank vs Revolut Singapore — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Memo Bank better than Revolut Singapore?
Under our v3 methodology, Revolut Singapore leads Memo Bank 7–4 across 12 dimensions. Composite scores: Memo Bank 72/100 vs Revolut Singapore 52/100. Revolut Singapore is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Memo Bank or Revolut Singapore cheaper?
Monthly fee — Memo Bank: €449; Revolut Singapore: €0. Card FX markup — Memo Bank: 0.50%; Revolut Singapore: Interbank. Revolut Singapore wins more fee rows (3 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Memo Bank or Revolut Singapore?
Memo Bank holds a Full bank licence under ACPR; deposit guarantee per depositor: €100,000. Revolut Singapore holds a Payment inst. licence under MAS; deposit guarantee per depositor: Safeguarded. Memo Bank is the stronger pick on regulatory protection.
Where can I use Memo Bank and Revolut Singapore?
Memo Bank operates in 1 country; Revolut Singapore operates in 4 countries. 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.