Memories Dreams Reflections is an album by Banco de Gaia.

It was released on September 22, 2009 on Disco Gecko.

All songs written and composed by Toby Marks, except where noted.

The lyrics on "Spirit of the Age" are spoken by newsreader and continuity announcer Neil Sleat.

Maya Preece sings the lyrics on "Starless" and "Tempra".