Memo Bank

Memo Bank develops banking services for SMBs with an offer built around data and management of financial flows


Memo Bank



Stage at investment

Seed & Pre-Series A



What is Memo Bank?

Memo bank (ex Margo bank) is a new bank for Small and Medium Businesses, based on humans, technology and transparency. We set ourselves a very ambitious goal: building a bank completely from scratch, one brick at a time. We want to give bankers the crucial role they used to have while providing state-of-the-art products to our customers.

Business and value proposition

Memo Bank's ambition is to launch a new financial institution in Europe for SMEs

The objective is to improve the customer experience and the value proposition by fully leveraging their access to data and offering services and products perfectly designed for their clients' needs.

Why we invested ?

Banks should be entrepreneurs and business owners’ best friends. However, due to their IT legacy, banks are prevented from offering the best possible client experience and are unable to accurately leverage clients data. This corners SMEs, being dependent on banking services simultaneously as they cannot afford to have their workforce spending countless hours building custom credit models or product offerings. Memo Bank brings a culture of product excellence, data mastery and customer centricity to the enormous banking market, where current clients are plagued by frustration.

The story behind Memo Bank

Geographical footprint


Team of Memo Bank

Team in charge Memo Bank

Pierre-Eric Leibovici

daphni team in charge

Jean-Daniel Guyot

Jean-Daniel Guyot

CEO & Co-founder

Michel Galibert

Michel Galibert