Revolut vs Memo Bank.
Revolut (R91/100) 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. Revolut leads Memo Bank 12-0.
| M Memo Bank №59 · ACPR 56 /100 | R Revolut №01 · Bank of Lithuania 91 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 56 /100 | 91 /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 | €1,000 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | E-money inst. ACPR | Full bank Bank of Lithuania |
| Deposit guarantee Per depositor | Safeguarded EU.DGS.FR | €100,000 EU.DGS.LT |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 48 countries |
| Crypto Coins available | No | 280 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 0k reviews | 4.7 ★ 367k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.6 ★ iOS 4.7 · And 4.4 |
| 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 if…
Pick if you want a real bank licence with crypto, brokerage and FX in one app. The strongest all-rounder under the v3 methodology.
- Best for fees Revolut won 4 of 4
- Best for protection Revolut won 2 of 2
- Best for reach Revolut won 3 of 3
- Best for ux Revolut won 2 of 2
Revolut vs Memo Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Memo Bank better than Revolut?
Under our v3 methodology, Revolut leads Memo Bank 12–0 across 12 dimensions. Composite scores: Memo Bank 56/100 vs Revolut 91/100. Revolut 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 cheaper?
Monthly fee — Memo Bank: €449; Revolut: €0. Card FX markup — Memo Bank: 0.50%; Revolut: Interbank. Revolut wins more fee rows (4 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?
Memo Bank holds a E-money inst. licence under ACPR; deposit guarantee per depositor: Safeguarded. Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. Revolut is the stronger pick on regulatory protection.
Where can I use Memo Bank and Revolut?
Memo Bank operates in 1 country; Revolut operates in 48 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.