C6 Bank vs Memo Bank.
C6 Bank (C71/100) 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. C6 Bank leads Memo Bank 6-2.
| C C6 Bank №30 · BACEN 71 /100 | M Memo Bank №59 · ACPR 56 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 71 /100 | 56 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €449 /mo |
| FX markup Debit card abroad | 4.00% | 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 | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 2.9 ★ 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 C6 Bank if…
Fastest-growing Brazilian neobank since 2018, ~30M customers. JP Morgan Chase invested in 2021 (40% stake) — adds international banking-as-a-service dimension via C6 Glob (USD account product). The Carbono tier (R$45/mo) is a structural mid-market premium positioned between free Nu Padrão and Itaú Personnalité.
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 C6 Bank won 2 of 2
- Best for reach C6 Bank won 1 of 3
- Best for ux Tied
C6 Bank vs Memo Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is C6 Bank better than Memo Bank?
Under our v3 methodology, C6 Bank leads Memo Bank 6–2 across 12 dimensions. Composite scores: C6 Bank 71/100 vs Memo Bank 56/100. C6 Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is C6 Bank or Memo Bank cheaper?
Monthly fee — C6 Bank: €0; Memo Bank: €449. Card FX markup — C6 Bank: 4.00%; 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, C6 Bank or Memo Bank?
C6 Bank 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. C6 Bank is the stronger pick on regulatory protection.
Where can I use C6 Bank and Memo Bank?
C6 Bank 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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