aid: memo-bank name: Memo Bank description: >- Memo Bank is an independent French commercial bank, accredited as a credit institution by the European Central Bank and supervised by the ACPR, that serves small and mid-sized companies with current accounts, loans, savings and an API-first payments platform. Its Premium Bank API is a REST/JSON contract authenticated with RS256-signed JWT/JWS request tokens, covering accounts, transactions, bi-directional virtual IBANs, SEPA credit transfers, SEPA Direct Debit collections and mandate signature requests, SWIFT/RTGS wire transfers, bulk payment batches, attachments and account assessments, with 34 webhook event types for asynchronous reconciliation. A Marketplace API adds an OAuth 2.0 layer so third-party developers can act on customer resources, a NextGenPSD2 API implements the Berlin Group AIS/PIS interface for licensed third-party providers, and a hosted MCP server exposes read-only banking data plus attachment upload to AI assistants. url: https://raw.githubusercontent.com/api-evangelist/memo-bank/refs/heads/main/apis.yml image: https://media.memo.bank/home_hero_602cdab270/home_hero_602cdab270.jpg x-type: company x-source: serena-portfolio specificationVersion: '0.23' created: '2026-08-17' modified: '2026-08-17' tags: - Company - Fintech Insurtech - Banking - Business Banking - Payments - SEPA - SEPA Direct Debit - Virtual IBAN - Wire Transfers - Open Banking - PSD2 - Berlin Group - Webhook - MCP - France tags_raw: - Company - Fintech Insurtech - banking - business-banking - payments - sepa - sepa-direct-debit - virtual-iban - wire-transfers - open-banking - psd2 - berlin-group - webhooks - mcp - france apis: - name: Memo Bank Premium Bank API description: >- REST/JSON banking API for Memo Bank business customers, authenticated with RS256-signed JWT request tokens. Covers accounts and balances, transactions with typed transaction sources, virtual and standard IBANs, SEPA credit transfers (standard and instant), SEPA Direct Debit collections, mandate signature requests, SWIFT/RTGS wire transfers, bulk transfer and collection batches, transaction attachments, account assessments (IBAN/name verification), webhook management, and sandbox-only endpoints that simulate incoming transactions. 43 operations across 32 paths, plus an OpenAPI 3.1 webhooks block describing 34 event types. humanURL: https://docs.api.memo.bank/ baseURL: https://api.memo.bank tags: - Banking - Payments - SEPA - SEPA Direct Debit - Virtual IBAN - Wire Transfers - Webhook tags_raw: - banking - payments - sepa - sepa-direct-debit - virtual-iban - wire-transfers - webhooks properties: - type: OpenAPI url: openapi/memo-bank-premium-bank-api-openapi.yml - type: Documentation url: https://docs.api.memo.bank/ - type: APIReference url: https://docs.api.memo.bank/version-2/ - type: GettingStarted url: https://docs.api.memo.bank/topic/topic-getting-started - type: Overlay url: overlays/memo-bank-premium-bank-api-overlay.yaml - type: Webhooks url: asyncapi/memo-bank-webhooks.yml - type: ToolCrosswalk url: mcp/memo-bank-tool-crosswalk.yml - name: Memo Bank Marketplace API description: >- OAuth 2.0 authorization layer that lets third-party developers build Memo Bank Marketplace integrations and call the Premium Bank API on behalf of consenting customers. Documents the authorization flow, connection lifecycle, marketplace webhooks, and the token endpoint that exchanges an authorization code or refresh token for a short-lived access token. humanURL: https://docs-marketplace.api.memo.bank/ baseURL: https://api.memo.bank tags: - Open Banking - Authentication - Marketplace - Banking tags_raw: - open-banking - oauth2 - marketplace - banking properties: - type: OpenAPI url: openapi/memo-bank-marketplace-api-openapi.yml - type: Documentation url: https://docs-marketplace.api.memo.bank/ - type: GettingStarted url: https://docs-marketplace.api.memo.bank/topic/topic-getting-started - type: Overlay url: overlays/memo-bank-marketplace-api-overlay.yaml - name: Memo Bank NextGenPSD2 API description: >- Berlin Group NextGenPSD2 XS2A implementation (Implementation Guidelines 1.3.11) exposing Account Information Service and Payment Initiation Service endpoints to licensed third-party payment service providers under PSD2. Provides account lists, details, balances and transactions, card account equivalents, and payment initiation, status and cancellation, secured with eIDAS certificates and an OAuth 2.0 authorization-code flow carrying AIS and PIS scopes. humanURL: https://docs-nextgenpsd2.api.memo.bank/ baseURL: https://api.memo.bank/nextgenpsd2 tags: - PSD2 - Berlin Group - Open Banking - Banking - Payments tags_raw: - psd2 - berlin-group - open-banking - banking - payments properties: - type: OpenAPI url: openapi/memo-bank-nextgenpsd2-api-openapi.yml - type: Documentation url: https://docs-nextgenpsd2.api.memo.bank/ - type: OAuthScopes url: scopes/memo-bank-scopes.yml - type: Overlay url: overlays/memo-bank-nextgenpsd2-api-overlay.yaml maintainers: - FN: Kin Lane email: kin@apievangelist.com - FN: APIs.json email: info@apis.io common: - type: DomainSecurity url: security/memo-bank-domain-security.yml - type: Website url: https://memo.bank/ - type: DeveloperPortal url: https://docs.api.memo.bank/ - type: Documentation url: https://docs.api.memo.bank/ - type: APIReference url: https://docs.api.memo.bank/version-2/ - type: GettingStarted url: https://docs.api.memo.bank/topic/topic-getting-started - type: Support url: https://aide.memo.bank/ - type: Blog url: https://memo.bank/en/magazine/ - type: GitHubOrganization url: https://github.com/memobank - type: Pricing url: https://memo.bank/en/pricing/ - type: SignUp url: https://memo.bank/en/sign-up/ - type: Login url: https://client.memo.bank/login - type: TermsOfService url: https://memo.bank/en/agreement/ - type: PrivacyPolicy url: https://memo.bank/en/personal-data/ - type: Compliance url: https://memo.bank/en/about/security-operations/ - type: StatusPage url: https://status.memo.bank/ - type: ChangeLog url: https://docs.api.memo.bank/changes - type: MCPServer url: mcp/memo-bank-mcp.yml - type: LLMsTxt url: llms/memo-bank-llms.txt - type: WellKnown url: well-known/memo-bank-well-known.yml - type: Authentication url: authentication/memo-bank-authentication.yml - type: OAuthScopes url: scopes/memo-bank-scopes.yml - type: Conventions url: conventions/memo-bank-conventions.yml - type: Idempotency url: conventions/memo-bank-conventions.yml - type: RateLimits url: rate-limits/memo-bank-rate-limits.yml - type: Plans url: plans/memo-bank-plans-pricing.yml - type: Lifecycle url: lifecycle/memo-bank-lifecycle.yml - type: Deprecation url: https://docs.api.memo.bank/topic/topic-versioning-and-backwards-compatibility - type: Conformance url: conformance/memo-bank-conformance.yml - type: ErrorCatalog url: errors/memo-bank-problem-types.yml - type: DataModel url: data-model/memo-bank-data-model.yml - type: Sandbox url: sandbox/memo-bank-sandbox.yml - type: Webhooks url: asyncapi/memo-bank-webhooks.yml - type: Packages url: packages/memo-bank-packages.yml - type: AgentSkill url: skills/_index.yml - type: ToolCrosswalk url: mcp/memo-bank-tool-crosswalk.yml - type: ChangeLog url: changelog/memo-bank-changelog.yml - type: DeclineCodes url: errors/memo-bank-decline-codes.yml - type: VulnerabilityDisclosure url: security/memo-bank-vulnerability-disclosure.yml x-enrichment: date: '2026-08-17' status: enriched artifacts_added: 26 pass: local-v1