Memo Bank vs Shine
Updated June 2026 · A structured head-to-head comparison.
The verdict
Both Memo Bank and Shine are credible business banking tools, and the right pick comes down to your priorities.
Memo Bank — Licensed bank for European SMEs.
Choose Shine if you'd rather have a lower starting price (from $7.90/mo). Business banking for French freelancers & SMBs.
Memo Bank vs Shine: side by side
| Dimension | Memo Bank | Shine |
|---|---|---|
| Starting price | Custom | From $7.90/moWinner |
| Free plan | No | No |
| Pricing model | Subscription | Subscription |
| Best for | Eu Smb, Scale Ups | Freelancers, Fr Smb |
| Platforms | Web, Ios, Android | Web, Ios, Android |
| Rating | 4.4/5 | 4.3/5 |
Memo Bank key facts
- Vendor
- Memo Bank
- Pricing
- Subscription — Custom
- Free tier
- No
- Platforms
- Web, Ios, Android
- Best for
- Eu Smb, Scale Ups
- Editor rating
- 4.4 / 5
- Founded
- 2017
- Headquarters
- Paris, France
Shine key facts
- Vendor
- Shine (Société Générale)
- Pricing
- Subscription — From $7.90/mo
- Free tier
- No
- Platforms
- Web, Ios, Android
- Best for
- Freelancers, Fr Smb
- Editor rating
- 4.3 / 5
- Founded
- 2017
- Headquarters
- Paris, France
Frequently asked questions
Is Memo Bank better than Shine?
Neither is universally better — Memo Bank edges ahead on overall rating, but the best choice depends on price, platforms, and your use case. See the side-by-side table above.
Is Memo Bank or Shine cheaper?
Shine is the more affordable of the two to get started, at from $7.90/mo. Memo Bank starts at custom; Shine starts at from $7.90/mo.
Can Memo Bank replace Shine?
Yes for most teams — both are business banking tools with heavily overlapping features. The main trade-offs are pricing and platform support, covered in the comparison above.