Memo Bank
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.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Memo Bank the way a machine reads it — 23 machine-readable artifacts across 3 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Memo Bank scores 61.6/100 (strong), with a separate agent-readiness read of 58/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-10-03 · rubric v0.23.0
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How we profile Memo Bank
Each block below is one kind of artifact we hold for Memo Bank. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 15
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Memo Bank Account assessments API
Account assessments allow you to assess SEPA counterparty accounts before initiating transactions with them. An assessment provides: * **Risk indicators**: Detection of fraudule...
Memo Bank Accounts API
Accounts are any bank account that your company owns: current account, ring-fenced account, settlement account, specially dedicated account, trust account, meal voucher account,...
Memo Bank AIS API
Account Information Service. Consent is given using the **OAuth2 as a pre-step** authentication flow described in NextGenPSD2 specifications. This means you don't have to manage...
Memo Bank Attachments API
Documents attached to transactions.
Memo Bank Collections API
Collections are SEPA direct debit collections, including SEPA CORE direct debits and SEPA B2B direct debits. To initiate a direct debit, a **mandate** signed by the debtor is re...
Memo Bank Mandate signature requests API
Mandate signature requests are a way to prepare and send collection mandates for signature. The mandate debtor receives an email with a link so they can complete and sign the ma...
Memo Bank PIS API
Payment Initiation Service. Payment initiation is done using the **integrated OAuth2** authentication flow described in NextGenPSD2 specifications. This means you first have to ...
Memo Bank Sandbox API
Sandbox only endpoints.
Memo Bank Transactions API
Transactions are any debit and credit operations on an account. 
Memo Bank Transfers API
Transfers are transfers within the SEPA-zone, including SEPA standard transfers, SEPA instant transfers and Target 2 transfers. They can be initiated asynchronously, one by one ...
Memo Bank Webhook API
# Events When something interesting happens on your Memo Bank workspace, such as a new transaction being created, Memo Bank can reach out to your application so that you can tak...
Memo Bank Webhooks API
Manage webhooks for your application. Webhooks allow you to receive real-time notifications when events occur on your Memo Bank workspace. Please refer to the [Webhook](https://...
Memo Bank Wire Transfers API
Wire transfers are transfers going through Swift. They allow you to send funds outside the SEPA network and to transfer money in foreign currencies. Initiating a wire transfer m...
Memo Bank IBA Ns API
IBANs are identifiers for bank accounts. There are two types of IBANs at Memo Bank: * Main IBANs, which act as primary identifiers for a bank account. There is exactly one main ...
Memo Bank O Auth2 API
OAuth2 token management endpoints.
Scroll within the panel for all 15 ·
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
Memo Bank MCP Server
MCP SERVERPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the things the Kin Score reads for access clarity — renamed from commercial clarity in rubric 0.12, because a free statutory interface has access terms and no commercial ones.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Memo Bank Rate Limits
RATE LIMITSEvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Memo Bank Webhooks
ASYNCAPISecurity Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Resources
Every other property we hold for Memo Bank — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 5
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 7
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 7 ·
Build 4
SDKs, sample code, and the tooling you integrate with
Access & Security 5
Authentication, authorization, and security posture
Operate 6
Status, limits, changes, and where to get help
Commercial 4
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 4
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/memo-bank · machine-readable index on apis.io
This is an independent, third-party profile of Memo Bank, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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