generated: '2026-08-17'
method: generated
source:
- openapi/memo-bank-premium-bank-api-openapi.yml
- conventions/memo-bank-conventions.yml
- errors/memo-bank-decline-codes.yml
- asyncapi/memo-bank-webhooks.yml
- sandbox/memo-bank-sandbox.yml
note: >-
  Packaged agent skills for the Memo Bank Premium Bank API, one per marquee flow. Every operationId
  referenced was verified verbatim against openapi/memo-bank-premium-bank-api-openapi.yml - none is invented.
  Each skill folds in the cross-cutting rules captured elsewhere in this repo: the per-request JWT signing
  scheme, the Idempotency-Key retry contract, the bulk-versus-single error divergence, and the webhook
  deduplication requirement. Memo Bank publishes no AGENTS.md or first-party skill files (searched
  2026-08-17), so these are generated rather than harvested.
prerequisite_skill: memo-bank-authenticate-a-request.md
prerequisite_note: >-
  Read the authentication skill first. Memo Bank signs every request with a per-request RS256 JWT bound to the
  method, path and body digest, and there is no SDK, so every other skill depends on getting that right.
skills:
- file: memo-bank-authenticate-a-request.md
  name: Authenticate a Memo Bank API request
  api: openapi/memo-bank-premium-bank-api-openapi.yml
  operations:
  - listAccounts
  topics:
  - jwt
  - jws
  - rs256
  - authentication
- file: memo-bank-initiate-a-sepa-transfer.md
  name: Initiate and track a SEPA transfer
  api: openapi/memo-bank-premium-bank-api-openapi.yml
  operations:
  - listAccounts
  - listIbans
  - createAccountAssessment
  - getAccountAssessment
  - createTransferV2
  - getTransfer
  - cancelTransfer
  - getProofOfTransfer
  topics:
  - sepa
  - payments
  - idempotency
  - instant-transfers
- file: memo-bank-collect-by-sepa-direct-debit.md
  name: Collect by SEPA Direct Debit with a signed mandate
  api: openapi/memo-bank-premium-bank-api-openapi.yml
  operations:
  - listAccounts
  - listIbans
  - createMandateSignatureRequest
  - getMandateSignatureRequest
  - listMandateSignatureRequests
  - renewMandateSignatureRequest
  - deleteMandateSignatureRequest
  - createCollection
  - getCollection
  - cancelCollection
  - createCollectionsBulk
  - getCollectionsBulk
  - getCollectionsBulkItems
  topics:
  - sepa-direct-debit
  - mandates
  - collections
  - returns
- file: memo-bank-reconcile-with-virtual-ibans.md
  name: Reconcile incoming payments with virtual IBANs
  api: openapi/memo-bank-premium-bank-api-openapi.yml
  operations:
  - listAccounts
  - createIban
  - listIbans
  - getIban
  - updateIban
  - deleteIban
  - listTransactions
  - getTransaction
  - createWebhook
  - listAttachments
  - createAttachment
  - getAttachment
  topics:
  - virtual-iban
  - reconciliation
  - attachments
- file: memo-bank-send-a-wire-transfer.md
  name: Send a cross-border wire transfer
  api: openapi/memo-bank-premium-bank-api-openapi.yml
  operations:
  - listAccounts
  - listIbans
  - createWireTransfer
  - getWireTransfer
  - createWireTransferAttachment
  - getProofOfWireTransfer
  - createWebhook
  topics:
  - swift
  - rtgs
  - cross-border
  - compliance-hold
- file: memo-bank-run-a-bulk-payment-batch.md
  name: Run a bulk payment batch
  api: openapi/memo-bank-premium-bank-api-openapi.yml
  operations:
  - listAccounts
  - listIbans
  - createTransfersBulk
  - getTransfersBulk
  - getTransfersBulkItems
  - createCollectionsBulk
  - getCollectionsBulk
  - getCollectionsBulkItems
  - createWebhook
  - getTransfer
  - getCollection
  topics:
  - bulk-payments
  - payroll
  - billing-runs
  - error-handling
- file: memo-bank-handle-webhook-events.md
  name: Handle Memo Bank webhook events
  api: openapi/memo-bank-premium-bank-api-openapi.yml
  operations:
  - createWebhook
  - listWebhooks
  - getWebhook
  - deleteWebhook
  - getTransaction
  - getTransfer
  - getWireTransfer
  - getCollection
  - getAccount
  - getIban
  - getAttachment
  - getMandateSignatureRequest
  - getAccountAssessment
  - getTransfersBulk
  - getCollectionsBulk
  topics:
  - webhooks
  - events
  - idempotency
  - reconciliation
coverage:
  skills: 7
  operations_covered: 36
  operations_total: 43
  uncovered:
  - createIncomingTransfer
  - createIncomingCollection
  - createIban
  uncovered_note: >-
    The two sandbox simulation endpoints are referenced inside the testing sections of several skills rather
    than given a skill of their own, and createIban is covered by the virtual-IBAN skill. No skill was written
    for a flow Memo Bank does not ship.