Memo Bank vs Shine: what each publishes
As of October 17, 2026, Memo Bank takes these industries by its own published rules: iGaming, with conditions. We hold no such rule from Shine.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Memo Bank
Its own list of countries, quoted below with its source and date
Policy by industry
| Industry | Memo Bank | Shine |
|---|---|---|
| iGaming | With conditions | No |
| Crypto | No published rule | No |
| Adult | No | No |
| Unlicensed financial services | No published rule | No |
| Forex and CFD | No published rule | No |
| Marketplace | No published rule | No |
| AI and SaaS | No published rule | No published rule |
Where owners must live
Memo Bank
No published rule
Shine
No published rule
Rules about countries
Memo Bank
To open an account, your company simply needs to be registered in one of the following countries: Germany, Belgium, Luxembourg, the Netherlands, France, Ireland, Spain, or Italy.
Belgium, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Spain
Shine
Dans l’hypothèse où l’Utilisateur n’aurait pas encore de numéro SIRET lors de son inscription, il doit en fournir un dans un délai maximum de trente (30) jours calendaires à compter de la date de son inscription. A défaut, son Espace Client sera désactivé.
Nous ne pouvons malheureusement donc pas accepter les comptes ouverts par des citoyen·ne·s des États-Unis pour le moment.
Fees
Memo Bank
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Payments Core | Not stated | EUR 449 excl. VAT minimum ('From €449 excl. VAT per month'), 'No commitment' | · Source |
| Payments Scale | Not stated | EUR 449 excl. VAT minimum ('From €449 excl. VAT per month'), 'Annual commitment' | · Source |
Shine
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Free | Not stated | €0 | · Source |
| Start | Not stated | €9 + VAT on annual billing (€108 a year) | · Source |
| Plus | Not stated | €20 + VAT on annual billing (€240 a year) | · Source |
| Business | Not stated | €45 + VAT on annual billing (€540 a year) | · Source |
Closing an account
Memo Bank
The Agreement may be terminated at any time, by you or by us, subject to 30 days' notice, without need for cause.
Shine
Shine peut résilier les CGU en respectant un préavis d’un (1) mois, par une notification adressée à l’Utilisateur par tout moyen écrit utile, et notamment par e-mail ou par messagerie dans l’Espace Client.
Licence
| Licensee | Memo Bank | Shine |
|---|---|---|
| Licensee | Memo Bank · credit institution authorised by the ACPR (CIB 17338) | Shine France SAS · payment institution authorised by the ACPR (CIB 17418) |
| Regulator | ACPR · | ACPR · |