generated: '2026-08-17'
method: searched
source: https://memo.bank/en/pricing/
docs: https://memo.bank/en/pricing/
plan_count: 2
currency: EUR
note: >-
  Memo Bank publishes two named payment plans with a visible entry price, which is more than most banks do,
  but the plans are sales-gated in practice: both are quoted "from EUR 449 excl. VAT per month", the
  transaction fee schedule lives in a separate PDF rather than on the page, and the call to action is
  "Contact us" rather than a self-serve checkout. API access specifically is not a purchasable line item -
  Memo Bank's own getting-started topic says a banker must activate the API feature on the workspace first.
  No per-call or per-API pricing is published.
billing:
  period: monthly
  vat: prices are quoted excluding VAT
  self_serve: false
  gate: >-
    Contact sales. API activation additionally requires a Memo Bank banker to enable the feature on the
    workspace (https://docs.api.memo.bank/topic/topic-getting-started).
plans:
- name: Payments Core
  price: 449
  price_display: From EUR 449 excl. VAT per month
  price_qualifier: from
  currency: EUR
  period: month
  commitment: none
  included:
  - Competitive pricing on SEPA transactions
  - Next-day payment collection
  - API-first payment infrastructure access
  - IBAN verification
  - Bi-directional virtual IBANs
  - Sandbox environment
  - Dedicated relationship manager
  quota: not published
  overage: not published
  sla: not published on this tier
- name: Payments Scale
  price: 449
  price_display: From EUR 449 excl. VAT per month
  price_qualifier: from
  currency: EUR
  period: month
  commitment: annual
  included:
  - Volume-based pricing - fees decrease as transaction volume increases
  - Next-day payment collection
  - API-first payment infrastructure access
  - IBAN verification
  - Bi-directional virtual IBANs
  - Sandbox environment
  - Dedicated relationship manager
  - EUR and USD savings and investments
  - 99.99% SLA
  quota: not published
  overage: >-
    Volume-based tiering is stated but the tier boundaries and per-transaction fees are not published on the
    pricing page.
  sla: 99.99%
fee_schedule:
  published: true
  format: PDF
  url: https://assets.memo.bank/documents/convention-de-services/conditions-tarifaires.pdf
  note: >-
    The per-transaction fee schedule ("conditions tarifaires") is published only as a PDF attached to the
    service agreement, so the actual unit economics are not machine-readable.
api_pricing:
  metered: false
  per_call_pricing: none published
  note: >-
    The API is positioned as included capability on both plans rather than a metered product. There is no
    published request-based pricing, no free tier and no developer sandbox self-signup - sandbox access is
    also arranged through a banker.
sla:
  published: true
  values:
  - plan: Payments Scale
    uptime_target: 99.99%
    source: https://memo.bank/en/pricing/
  - context: API product page
    uptime_target: 99.9%
    source: https://memo.bank/en/product/api/
    note: >-
      The API product page advertises a 99.9% contractual SLA while the pricing page's Payments Scale tier
      states 99.99%. Both figures are recorded as published; Memo Bank does not reconcile them.
gaps:
- Both tiers show the same entry price, so the page does not differentiate them on cost.
- Transaction fees are PDF-only and not on the pricing page.
- No self-serve signup or free trial for the API; a banker must activate it.
- Two different uptime targets are published for the same service (99.9% and 99.99%).