generated: '2026-08-17'
method: searched
status: published
source: https://aide.memo.bank/article/425-mcp-server
docs:
- https://memo.bank/en/product/mcp/
- https://aide.memo.bank/article/425-mcp-server
note: Memo Bank publishes TWO distinct remote MCP servers on its own hosts, and they are different products.
  (1) The Memo Bank MCP connector at https://api.memo.bank/api/apps/mcp/server is the banking connector
  - a read-mostly agent surface over real account data, gated by OAuth 2.0 with per-workspace consent.
  (2) The documentation-portal MCP at https://docs.api.memo.bank/mcp is anonymous and serves documentation
  search and retrieval only; it reaches no customer data. Both were probed live. The banking connector's
  tool list is auth-gated (HTTP 401 with an RFC 9728 WWW-Authenticate challenge), so its tools are recorded
  from Memo Bank's own published documentation, names and read/write classification verbatim - input schemas
  require authenticated introspection and are NOT recorded here. The docs-portal tool list was retrieved
  live from tools/list and is saved verbatim to memo-bank-docs-mcp-tools.json.
deployment:
  mode: remote
  endpoint: https://api.memo.bank/api/apps/mcp/server
  auth: oauth
  verified: probed
  probe_prior: (never probed)
  probe: gated
  probe_why: RFC 9728 challenge on the MCP path only
  checked: '2026-09-11'
  source: claimed-backlog re-probe 2026-09-11
servers:
- name: memobank
  label: Memo Bank MCP connector
  transport: http
  url: https://api.memo.bank/api/apps/mcp/server
  auth: oauth
  scope: banking data (accounts, IBANs, transactions, attachments)
  install: claude mcp add --transport http --scope user memobank https://api.memo.bank/api/apps/mcp/server
  install_note: Verbatim from Memo Bank's help article. This is a remote HTTP registration command, not
    a local stdio package - there is no npx/pip package to install.
  clients_documented:
  - Claude
  - ChatGPT
  - Gemini
  - Mistral Le Chat
  x-evidence:
    fetched: '2026-08-17'
    url: https://api.memo.bank/api/apps/mcp/server
    method: POST tools/list (jsonrpc 2.0)
    http_status: 401
    body: '{"message":"Unauthorized","status":"401"}'
    www_authenticate: Bearer resource_metadata="https://api.memo.bank/.well-known/oauth-protected-resource/api/apps/mcp/server"
    interpretation: Endpoint exists and speaks the MCP authorization spec correctly - it advertises RFC
      9728 protected resource metadata, which resolves to a real 200 document. Tool schemas are gated
      behind OAuth.
- name: memobank-docs
  label: Memo Bank documentation portal MCP
  transport: http
  url: https://docs.api.memo.bank/mcp
  auth: none
  scope: documentation search and retrieval only - no customer or account data
  server_info:
    name: Documentation Portal API
    version: 0.1.0
    protocol_version: '2025-06-18'
    vendor: Bump.sh (the documentation platform Memo Bank hosts its API reference on)
  capabilities:
  - tools
  - prompts
  - resources
  - logging
  required_header: 'portal-url: https://docs.api.memo.bank'
  also_served_at:
  - https://docs-marketplace.api.memo.bank/mcp
  x-evidence:
    fetched: '2026-08-17'
    url: https://docs.api.memo.bank/mcp
    method: POST tools/list (jsonrpc 2.0)
    http_status: 200
    tools_returned: 5
    file: memo-bank-docs-mcp-tools.json
tools:
- name: list_workspaces
  description: Lists the Memo Bank workspaces you have authorized for this connector.
  server: memobank
  access: read
  status: available
  source_operation: null
  source_note: No public REST equivalent - workspace enumeration is not in the Premium Bank API OpenAPI.
- name: list_accounts
  description: Returns all accounts in a workspace (current accounts, savings accounts) with balance,
    IBAN and status.
  server: memobank
  access: read
  status: available
  source_operation: openapi/memo-bank-premium-bank-api-openapi.yml#listAccounts
- name: list_ibans
  description: Lists virtual and standard IBANs, filterable by account.
  server: memobank
  access: read
  status: available
  source_operation: openapi/memo-bank-premium-bank-api-openapi.yml#listIbans
- name: list_transactions
  description: Queries transaction history with filters on account, period, reference, IBAN, batch and
    custom identifier.
  server: memobank
  access: read
  status: available
  source_operation: openapi/memo-bank-premium-bank-api-openapi.yml#listTransactions
- name: list_attachments
  description: Lists supporting documents attached to transactions.
  server: memobank
  access: read
  status: available
  source_operation: openapi/memo-bank-premium-bank-api-openapi.yml#listAttachments
- name: get_attachment
  description: Returns attachment metadata and a pre-signed secure download URL.
  server: memobank
  access: read
  status: available
  source_operation: openapi/memo-bank-premium-bank-api-openapi.yml#getAttachment
- name: create_attachment
  description: Attaches an invoice or receipt to an existing transaction from the AI assistant.
  server: memobank
  access: write
  status: available
  source_operation: openapi/memo-bank-premium-bank-api-openapi.yml#createAttachment
- name: list_users
  description: List workspace users.
  server: memobank
  access: read
  status: coming-soon
  source_operation: null
  source_note: Memo Bank's docs mark this Coming soon. The OpenAPI declares a "Users" tag but publishes
    no operations under it, which corroborates an unreleased surface.
- name: prepare_transfers
  description: Prepare transfers for human review and approval.
  server: memobank
  access: write
  status: coming-soon
  source_operation: null
  source_note: Marked Coming soon. Would partially correspond to createTransferV2/createTransfersBulk,
    but Memo Bank states the connector prepares only and cannot execute payments.
- name: search
  description: Search all documentation pages in the portal by keyword, optionally filtered by object
    type.
  server: memobank-docs
  access: read
  status: available
  source_operation: null
- name: get_pages
  description: Retrieve the full content of one or more documentation pages by URL.
  server: memobank-docs
  access: read
  status: available
  source_operation: null
- name: list_pages
  description: List all child pages under a given URL in the portal hierarchy.
  server: memobank-docs
  access: read
  status: available
  source_operation: null
- name: list_changes
  description: List visible documentation changes for a hub, API documentation or portal.
  server: memobank-docs
  access: read
  status: available
  source_operation: null
- name: get_change
  description: Retrieve a single visible documentation change by its identifier.
  server: memobank-docs
  access: read
  status: available
  source_operation: null
authorization:
  flow: OAuth 2.0 authorization code with per-workspace consent
  steps:
  - The AI tool redirects the browser to Memo Bank's authorization endpoint.
  - The user signs in with Memo Bank credentials and completes two-factor authentication.
  - The user picks which workspace(s) the connector is allowed to act on.
  - Memo Bank redirects back with a short-lived authorization code, exchanged for a refresh token and
    an access token.
  protected_resource_metadata: well-known/memo-bank-mcp-oauth-protected-resource.json
  authorization_server_metadata: null
  authorization_server_metadata_note: The protected-resource document names the MCP server URL itself
    as its authorization server, but no RFC 8414 metadata document is served there, so endpoint discovery
    is not fully automatic.
constraints:
  stated_by_provider: The assistant can read banking data and attach supporting documents to transactions,
    but it cannot initiate payments, move money, or modify existing transactions or account settings.
  write_operations: 1
  read_operations: 6
  agentic_note: 'A deliberately narrow agent surface for a bank: six read tools plus one additive write
    (attach a document). Payment initiation stays in the JWT-authenticated Premium Bank API and is not
    exposed to MCP clients.'