Memo Bank Authenticator
Protect your account
Only for iPhone
Free
Pairing a mobile device with your Memo Bank account makes verifying your identity and approving sensitive financial operations simple and secure. You will not be able to access your online account without downloading the app.
Important: this application is designed solely for the purpose of securing your account and associated transactions. If you would like to check your balance using a mobile device, simply access our mobile-responsive site https://client.memo.bank from your device’s browser.
To pair your iPhone or iPad with your Memo Bank account, download the app and scan the QR code that appears on your computer screen when you connect to your account. Once the app has been installed and linked to your Memo Bank account, that’s it. There is nothing else to do on your part. You will automatically receive a notification each time you need to authorize any of the following:
- Logging into your Memo Bank account;
- Changing of your password;
- Inviting a new user;
- Sending a wire transfer;
- Adding a beneficiary;
- Adding a direct debit mandate.
To reinforce your iPhone or iPad’s security, you can add Touch ID or Face ID authentication.
more NEW
- We’ve improved the app to ensure your card transaction receipts are delivered even in areas with unstable network coverage. If a delivery fails, we’ll let you know so you can try again when a better connection is available.
CHANGED
- We have updated the wording and fine-tuned the design in various parts of the app to make your experience smoother and more intuitive.
2.6.2 11/19/2025
NEW
- We’ve improved the app to ensure your card transaction receipts are delivered even in areas with unstable network coverage. If a delivery fails, we’ll let you know so you can try again when a better connection is available.
FIXED
- Resolved an issue where Apple Pay buttons were unresponsive on some iOS versions. You can now use Apple Pay without any problems.
2.6.1 03/05/2025
NEW
- We’ve improved the app to ensure your card transaction receipts are delivered even in areas with unstable network coverage. If a delivery fails, we’ll let you know so you can try again when a better connection is available.
CHANGED
- We have updated the wording and fine-tuned the design in various parts of the app to make your experience smoother and more intuitive.
2.6.0 01/22/2025
NEW
- Requests for single-use cards for one-off expenses.
2.5.0 09/06/2024
CHANGED
- We have updated the wording and fine-tuned the design in various parts of the app to make your experience smoother and more intuitive.
2.4.1 06/11/2024
NEW
- We made a few updates to ensure a seamless experience with our new single-use cards.
CHANGED
- As always, we continue to refine our messages and perform maintenance on the application under the hood to provide you with the best possible experience.
2.4.0 05/21/2024
NEW
- We have made it easier to switch your paired device or completely disconnect it with our new setup. Now, you can change devices or unpair with just a few taps;
CHANGED
- Enjoy a fresher, cleaner look in the app with updated fonts and text styles, making everything easier to read and more pleasing to the eye.
- We have updated the wording and fine-tuned the design in various parts of the app to make your experience smoother and more intuitive.
2.3.0 04/17/2024
NEW
- In rare cases, the application could malfunction when trying to alert you that some of your Memo Bank cards required your attention. This has now been fixed.
CHANGED
- As always, we continue to refine our messages and perform maintenance on the application under the hood to provide you with the best possible experience.
2.2.1 02/05/2024
NEW
- Our payment cards are here. Yes, it’s been a long road but the wait is finally over. And there’s no need to carry a code generator around in order to use them. With Memo Bank, your mobile acts as a second authentication device when you create or edit a payment card. It’s both secure AND simple.
- Since your Memo Bank payment cards work both inside and outside the Eurozone, we’ve added support for foreign currencies. Did you know that some foreign currencies only work with integers (no decimal), like Japan’s Yen? Were you aware that Tunisia’s Dinar used three decimals, instead of two? Well now you do and so does your Memo Bank app, which means that the layout of your transactions record won’t break if you make a payment in a foreign currency.
CHANGED
- A not so long time ago, when you reinstalled our app, a welcome screen would invite you to go through the pairing of your phone and your Memo Bank user account once again. The thing is: that welcome screen would show up not just once, but every time you opened the app, which could prevent you from accessing our login screen. Now, our welcome message is only displayed once to leave room for our login screen.
2.2.0 10/30/2023
NEW
- Our payment cards are here. Yes, it’s been a long road but the wait is finally over. And there’s no need to carry a code generator around in order to use them. With Memo Bank, your mobile acts as a second authentication device when you create or edit a payment card. It’s both secure AND simple.
- Since your Memo Bank payment cards work both inside and outside the Eurozone, we’ve added support for foreign currencies. Did you know that some foreign currencies only work with integers (no decimal), like Japan’s Yen? Were you aware that Tunisia’s Dinar used three decimals, instead of two? Well now you do and so does your Memo Bank app, which means that the layout of your transactions record won’t break if you make a payment in a foreign currency.
CHANGED
- A not so long time ago, when you reinstalled our app, a welcome screen would invite you to go through the pairing of your phone and your Memo Bank user account once again. The thing is: that welcome screen would show up not just once, but every time you opened the app, which could prevent you from accessing our login screen. Now, our welcome message is only displayed once to leave room for our login screen.
2.1.0 08/08/2023
NEW
- Our payment cards are here. Yes, it’s been a long road but the wait is finally over. And there’s no need to carry a code generator around in order to use them. With Memo Bank, your mobile acts as a second authentication device when you create or edit a payment card. It’s both secure AND simple.
- Since your Memo Bank payment cards work both inside and outside the Eurozone, we’ve added support for foreign currencies. Did you know that some foreign currencies only work with integers (no decimal), like Japan’s Yen? Were you aware that Tunisia’s Dinar used three decimals, instead of two? Well now you do and so does your Memo Bank app, which means that the layout of your transactions record won’t break if you make a payment in a foreign currency.
CHANGED
- A not so long time ago, when you reinstalled our app, a welcome screen would invite you to go through the pairing of your phone and your Memo Bank user account once again. The thing is: that welcome screen would show up not just once, but every time you opened the app, which could prevent you from accessing our login screen. Now, our welcome message is only displayed once to leave room for our login screen.
2.0.0 07/14/2023
NEW
- Our payment cards are here. Yes, it’s been a long road but the wait is finally over. And there’s no need to carry a code generator around in order to use them. With Memo Bank, your mobile acts as a second authentication device when you create or edit a payment card. It’s both secure AND simple.
- Since your Memo Bank payment cards work both inside and outside the Eurozone, we’ve added support for foreign currencies. Did you know that some foreign currencies only work with integers (no decimal), like Japan’s Yen? Were you aware that Tunisia’s Dinar used three decimals, instead of two? Well now you do and so does your Memo Bank app, which means that the layout of your transactions record won’t break if you make a payment in a foreign currency.
CHANGED
- A not so long time ago, when you reinstalled our app, a welcome screen would invite you to go through the pairing of your phone and your Memo Bank user account once again. The thing is: that welcome screen would show up not just once, but every time you opened the app, which could prevent you from accessing our login screen. Now, our welcome message is only displayed once to leave room for our login screen.
1.11.0 05/15/2023
NEW
- Our payment cards are here. Yes, it’s been a long road but the wait is finally over. And there’s no need to carry a code generator around in order to use them. With Memo Bank, your mobile acts as a second authentication device when you create or edit a payment card. It’s both secure AND simple.
- Since your Memo Bank payment cards work both inside and outside the Eurozone, we’ve added support for foreign currencies. Did you know that some foreign currencies only work with integers (no decimal), like Japan’s Yen? Were you aware that Tunisia’s Dinar used three decimals, instead of two? Well now you do and so does your Memo Bank app, which means that the layout of your transactions record won’t break if you make a payment in a foreign currency.
CHANGED
- A not so long time ago, when you reinstalled our app, a welcome screen would invite you to go through the pairing of your phone and your Memo Bank user account once again. The thing is: that welcome screen would show up not just once, but every time you opened the app, which could prevent you from accessing our login screen. Now, our welcome message is only displayed once to leave room for our login screen.
1.10.0 12/09/2022
NEW
- Our payment cards are here. Yes, it’s been a long road but the wait is finally over. And there’s no need to carry a code generator around in order to use them. With Memo Bank, your mobile acts as a second authentication device when you create or edit a payment card. It’s both secure AND simple.
- Since your Memo Bank payment cards work both inside and outside the Eurozone, we’ve added support for foreign currencies. Did you know that some foreign currencies only work with integers (no decimal), like Japan’s Yen? Were you aware that Tunisia’s Dinar used three decimals, instead of two? Well now you do and so does your Memo Bank app, which means that the layout of your transactions record won’t break if you make a payment in a foreign currency.
CHANGED
- A not so long time ago, when you reinstalled our app, a welcome screen would invite you to go through the pairing of your phone and your Memo Bank user account once again. The thing is: that welcome screen would show up not just once, but every time you opened the app, which could prevent you from accessing our login screen. Now, our welcome message is only displayed once to leave room for our login screen.
1.9.0 11/14/2022
NEW
- Our payment cards are here. Yes, it’s been a long road but the wait is finally over. And there’s no need to carry a code generator around in order to use them. With Memo Bank, your mobile acts as a second authentication device when you create or edit a payment card. It’s both secure AND simple.
- Since your Memo Bank payment cards work both inside and outside the Eurozone, we’ve added support for foreign currencies. Did you know that some foreign currencies only work with integers (no decimal), like Japan’s Yen? Were you aware that Tunisia’s Dinar used three decimals, instead of two? Well now you do and so does your Memo Bank app, which means that the layout of your transactions record won’t break if you make a payment in a foreign currency.
CHANGED
- A not so long time ago, when you reinstalled our app, a welcome screen would invite you to go through the pairing of your phone and your Memo Bank user account once again. The thing is: that welcome screen would show up not just once, but every time you opened the app, which could prevent you from accessing our login screen. Now, our welcome message is only displayed once to leave room for our login screen.
1.8.0 04/03/2022
NEW
- Our payment cards are here. Yes, it’s been a long road but the wait is finally over. And there’s no need to carry a code generator around in order to use them. With Memo Bank, your mobile acts as a second authentication device when you create or edit a payment card. It’s both secure AND simple.
- Since your Memo Bank payment cards work both inside and outside the Eurozone, we’ve added support for foreign currencies. Did you know that some foreign currencies only work with integers (no decimal), like Japan’s Yen? Were you aware that Tunisia’s Dinar used three decimals, instead of two? Well now you do and so does your Memo Bank app, which means that the layout of your transactions record won’t break if you make a payment in a foreign currency.
CHANGED
- A not so long time ago, when you reinstalled our app, a welcome screen would invite you to go through the pairing of your phone and your Memo Bank user account once again. The thing is: that welcome screen would show up not just once, but every time you opened the app, which could prevent you from accessing our login screen. Now, our welcome message is only displayed once to leave room for our login screen.
1.7.0 02/09/2022
NEW
- You can now add beneficiaries to the "service provider" category. This is especially helpful for beneficiaries who happen to be service providers. The good news is: the "service provider" category is also available for debit mandates.
CHANGED
- Usually, nothing breaks when you uninstall an app from your phone. It’s just an app and you can always reinstall it later on, right? Right? Well, let’s just say that our app doesn’t work like that. Why? Because it’s not just an app. With the Memo Bank app, your phone becomes a trusted authentification device. Unfortunately, if you uninstall our app from your phone, your iPhone loses its "trusted device" status. To pair your phone with your Memo Bank user account back again, you then need to call your banker. This makes senses from a security perspective, but there was no way for you to know that until recently. So now, we’re adding a new "welcome back" screen in our app to help you pair your Memo Bank user account with our app when you’ve just reinstalled it. But here’s our advice: just keep our app. Don’t uninstall it. At 8Mo, it’s probably the lightest app on your phone anyway. So no need to toss it even if you don’t use it that much.
- We changed the "internal transfer" icon. The new one still conveys the notion of internal transfer, but in a better way.
1.6.0 09/09/2021
NEW
- If you granted your colleagues the permission to create or delete virtual IBANs, you will now see that very permission in the list of permissions granted to your colleagues.
CHANGED
- Calling all typography lovers: we've adjusted the line height of some of the titles we use in our app, mostly on our validation request screens.
- We used to display phone numbers as blocks of numbers, without proper spacing or anything. Not very easy on the eyes, right? Well, not anymore, because we now use proper spacing when it comes to phone numbers.
FIXED
- All the validation requests you receive on your phone now use a specific layout to improve their readability. Some of them were still using a default layout but that wasn't optimal so we fixed it.
1.5.0 05/06/2021
NEW
If you use Memo Bank with several companies of yours, we now display the name of the company linked to some of the validation requests you get on your iPhone. That way, you always know which company you’re dealing with. No more confusion.
If you opened several current accounts for your company, the name of the current account linked to some validation requests now shows up on your iPhone. Again, no more confusion here, unless you go ahead and rename all your accounts to something like “Mystery account”. It’s a joke, don’t do that, please.
CHANGED
Before, when you changed the text size in your iPhone’s settings, our app would have a hard time adjusting to your preferred reading size. We made some progress here. Now, whether you choose to set your iPhone text size in BIG or small type, our screens follow along gracefully.
FIXED
When you tried to pair your iPhone with your Memo Bank user account, you would get an error sometimes, but only if you were running your iPhone in a 12-Hours date format (AM/PM). Weird, right? Well now it just works, no matter which date format you’re using.
1.4.0 03/08/2021
Hello, this is a description log of the modifications made to the Memo Bank iOS app. Every time you update the iOS app, you will find the details of the modifications made during the most recent version: what's new, what has changed, what was fixed, and what has been removed. Happy reading.
WHAT HAS CHANGED
- You might notice that certain messages have changed. We have reviewed and improved some translations. You're welcome. :)
1.3.1 02/21/2021
Hello, this is a description log of the modifications made to the Memo Bank iOS app. Every time you update the iOS app, you will find the details of the modifications made during the most recent version: what's new, what has changed, what was fixed, and what has been removed. Happy reading.
WHAT HAS CHANGED
- Little by little, we are making sure to take special needs of users into consideration. If you set up your phone to display smaller or larger texts than the default, then you will be a little happier next time you open the app.
- You might notice that certain messages have changed. We have reviewed and improved some translations. You're welcome. :)
1.3.0 02/05/2021
Hello, this is a description log of the modifications made to the Memo Bank iOS app. Every time you update the iOS app, you will find the details of the modifications made during the most recent version: what's new, what has changed, what was fixed, and what has been removed. Happy reading.
WHAT'S NEW
- When you open the app from a new phone that is not the one connected to your Memo Bank profile, you will be prompted to change the phone - with some verifications of course. This will be useful if you get a new mobile phone for instance.
WHAT HAS CHANGED
- We are using a new font for displaying numbers which makes them easier to read.
- If you are using our app in English, you might notice that certain messages have changed. We have reviewed and improved some translations. You're welcome. :)
FIXED
- Before, if you changed the email address associated with your Memo Bank profile, you would no longer be able to access the iOS app. We call that an adverse side effect and you will no longer fall victim to this bug.
1.2.0 12/10/2020
NEW
- We’ve improved the app to ensure your card transaction receipts are delivered even in areas with unstable network coverage. If a delivery fails, we’ll let you know so you can try again when a better connection is available.
CHANGED
- We have updated the wording and fine-tuned the design in various parts of the app to make your experience smoother and more intuitive.
more Version 2.6.2 11/19/2025
Data Linked to You The following data may be collected and linked to your identity:
Data Not Linked to You The following data may be collected but it is not linked to your identity: