Banco Inter vs Memo Bank.
Banco Inter (B76/100) 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. Banco Inter leads Memo Bank 9-1.
| B Banco Inter №16 · BACEN 76 /100 | M Memo Bank №59 · ACPR 56 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 56 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €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 | Full bank BACEN | E-money inst. ACPR |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded EU.DGS.FR |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 1 country |
| Crypto Coins available | 8 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 2.8 ★ 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 Banco Inter if…
Brazilian full-bank digital pivot success story (since 2015). ~33M customers across Conta + Inter Invest + Inter Shop. Public on NASDAQ: INTR (formerly B3). Inter Shop (cashback marketplace) is a unique super-app feature in Brazilian neobanking.
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 Banco Inter won 2 of 4
- Best for protection Banco Inter won 2 of 2
- Best for reach Banco Inter won 3 of 3
- Best for ux Tied
Banco Inter vs Memo Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco Inter better than Memo Bank?
Under our v3 methodology, Banco Inter leads Memo Bank 9–1 across 12 dimensions. Composite scores: Banco Inter 76/100 vs Memo Bank 56/100. Banco Inter is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Banco Inter or Memo Bank cheaper?
Monthly fee — Banco Inter: €0; Memo Bank: €449. Card FX markup — Banco Inter: Interbank; Memo Bank: 0.50%. Banco Inter 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, Banco Inter or Memo Bank?
Banco Inter holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Memo Bank holds a E-money inst. licence under ACPR; deposit guarantee per depositor: Safeguarded. Banco Inter is the stronger pick on regulatory protection.
Where can I use Banco Inter and Memo Bank?
Banco Inter operates in 2 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.