🇫🇷Banking & Open Banking in France
12 banking & open banking providers in France, publishing 17 APIs.
12 providers
17 published APIs
81 indexed documents
Banking & Open Banking in France — 12 providers on the APIs.io network sit in both cohorts, and between them they publish 17 indexed APIs.
5 of the 12 publish at least one machine-readable API; 7 publish nothing indexed at all. That split is the first thing worth reading here — a vertical can be well represented in a market and still have almost no programmable surface.
By Kin Score band: 4 emerging, 3 strong, 3 minimal, 1 developing, and 1 thin.
Leading by rating: Memo Bank, Pennylane, Fintecture, Defacto, Swan, Bitstack, and 6 more.
Country membership is exact-tag only. A provider lands in France when one of its own top-level tags names the country — there is no headquarters signal on the country axis, unlike the region axis which reads tag, provider-name pattern, and stated HQ. So this cell is a floor, not a census, and it understates by construction — a banking & open banking company headquartered in France that never tags itself is counted nowhere on this axis. The region cuts read the wider signal set and will generally hold more.
Providers (12)
| Provider | Description | APIs | Rating |
|---|---|---|---|
| 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 c... | 3 | strong |
| Pennylane | Pennylane is a French financial and accounting operating system for SMEs and accounting firms. The Company API (v2) lets companies, firms, and integration partners access and sy... | 1 | strong |
| Fintecture | Fintecture is a French Open Banking payments platform and ACPR-authorised payment institution (#17248). Its API stack covers PSD2 Payment Initiation (Immediate Transfer, Smart T... | 5 | strong |
| Defacto | Defacto is an ACPR-authorized French fintech providing instant, embedded financing for small and medium-sized businesses across Europe. Through a single REST API, partners (mark... | 1 | developing |
| Swan | Swan is a European embedded-banking / Banking-as-a-Service (BaaS) platform, headquartered in France, that lets companies embed accounts, IBANs, cards, and SEPA payments into the... | 7 | thin |
| Bitstack | Bitstack is a French consumer Bitcoin savings application operated by Bitstack Digital Assets SAS (Meyreuil, France), which lets retail users accumulate Bitcoin through automati... | 0 | emerging |
| helios | helios is a French sustainable-banking company (HELIOS SAS, Paris) offering current, Premium, joint, youth, Liberté and independent/professional accounts, a green savings passbo... | 0 | emerging |
| Sumeria | Sumeria is a French fintech and mobile-first banking service created by Lydia Solutions in 2024 as a consumer spinoff of the Lydia payment app. It offers free online banking acc... | 0 | emerging |
| Regular Finance | Regular Finance (Regular) is a French fintech offering a consumer digital-asset yield account. Customers deposit euros by bank transfer and earn roughly 5.50% annual interest pa... | 0 | emerging |
| Trezy | Trezy is a Franco-Dutch fintech SaaS (Trezy SAS, founded 2021 in Paris by Quentin Lacointa) offering AI-driven cash flow management for small and medium businesses across Europe... | 0 | minimal |
| Tulyp | Tulyp is a SaaS treasury platform from French company SmarTrade SAS that gives CFOs and treasurers of SMEs and mid-caps (10-200M euro revenue) real-time visibility into their fo... | 0 | minimal |
| Lydia | Lydia is a French fintech, founded in 2013, that built one of Europe's most popular mobile peer-to-peer payments apps, letting users send money, split bills, and pay merchants f... | 0 | minimal |
Indexed API documents (81)
Two numbers, both real: these providers publish 17 APIs as their own documents, which the catalog indexes split one-per-resource into 81 documents.
Memo Bank Account assessments API
Memo Bank
Account assessments allow you to assess SEPA counterparty accounts before initiating transactions with them. An assessment provides: * **...
Memo Bank Accounts API
Memo Bank
Accounts are any bank account that your company owns: current account, ring-fenced account, settlement account, specially dedicated accou...
Memo Bank AIS API
Memo Bank
Account Information Service. Consent is given using the **OAuth2 as a pre-step** authentication flow described in NextGenPSD2 specificati...
Memo Bank Attachments API
Memo Bank
Documents attached to transactions.
Memo Bank Collections API
Memo Bank
Collections are SEPA direct debit collections, including SEPA CORE direct debits and SEPA B2B direct debits. To initiate a direct debit, ...
Memo Bank IBA Ns API
Memo Bank
IBANs are identifiers for bank accounts. There are two types of IBANs at Memo Bank: * Main IBANs, which act as primary identifiers for a ...
Memo Bank Mandate signature requests API
Memo Bank
Mandate signature requests are a way to prepare and send collection mandates for signature. The mandate debtor receives an email with a l...
Memo Bank O Auth2 API
Memo Bank
OAuth2 token management endpoints.
Memo Bank PIS API
Memo Bank
Payment Initiation Service. Payment initiation is done using the **integrated OAuth2** authentication flow described in NextGenPSD2 speci...
Memo Bank Sandbox API
Memo Bank
Sandbox only endpoints.
Memo Bank Transactions API
Memo Bank
Transactions are any debit and credit operations on an account. 
Memo Bank Transfers API
Memo Bank
Transfers are transfers within the SEPA-zone, including SEPA standard transfers, SEPA instant transfers and Target 2 transfers. They can ...
Memo Bank Webhook API
Memo Bank
# Events When something interesting happens on your Memo Bank workspace, such as a new transaction being created, Memo Bank can reach out...
Memo Bank Webhooks API
Memo Bank
Manage webhooks for your application. Webhooks allow you to receive real-time notifications when events occur on your Memo Bank workspace...
Memo Bank Wire Transfers API
Memo Bank
Wire transfers are transfers going through Swift. They allow you to send funds outside the SEPA network and to transfer money in foreign ...
Pennylane Account API
Pennylane
The Account API from Pennylane — 1 operation(s) for account.
Pennylane Accounting Exports API
Pennylane
The Accounting Exports API from Pennylane — 2 operation(s) for accounting exports.
Pennylane Bank Accounts API
Pennylane
The Bank Accounts API from Pennylane — 2 operation(s) for bank accounts.
Pennylane Billing Subscriptions API
Pennylane
The Billing Subscriptions API from Pennylane — 1 operation(s) for billing subscriptions.
Pennylane Categories API
Pennylane
The Categories API from Pennylane — 2 operation(s) for categories.
Pennylane Change Events API
Pennylane
The Change Events API from Pennylane — 2 operation(s) for change events.
Pennylane Customer Invoices API
Pennylane
The Customer Invoices API from Pennylane — 7 operation(s) for customer invoices.
Pennylane Customers API
Pennylane
The Customers API from Pennylane — 4 operation(s) for customers.
Pennylane E-Invoicing API
Pennylane
The E-Invoicing API from Pennylane — 1 operation(s) for e-invoicing.
Pennylane File Attachments API
Pennylane
The File Attachments API from Pennylane — 1 operation(s) for file attachments.
Pennylane Journals API
Pennylane
The Journals API from Pennylane — 2 operation(s) for journals.
Pennylane Ledger Accounts API
Pennylane
The Ledger Accounts API from Pennylane — 2 operation(s) for ledger accounts.
Pennylane Ledger Entries API
Pennylane
The Ledger Entries API from Pennylane — 4 operation(s) for ledger entries.
Pennylane Mandates API
Pennylane
The Mandates API from Pennylane — 2 operation(s) for mandates.
Pennylane Products API
Pennylane
The Products API from Pennylane — 2 operation(s) for products.
Pennylane Quotes API
Pennylane
The Quotes API from Pennylane — 2 operation(s) for quotes.
Pennylane Supplier Invoices API
Pennylane
The Supplier Invoices API from Pennylane — 4 operation(s) for supplier invoices.
Pennylane Suppliers API
Pennylane
The Suppliers API from Pennylane — 2 operation(s) for suppliers.
Pennylane Transactions API
Pennylane
The Transactions API from Pennylane — 2 operation(s) for transactions.
Fintecture Customers API
Fintecture
Register and manage merchant customers, attach their bank accounts, and run identity verifications. Persisted customer records pre-fill p...
Fintecture OAuth and Tokens API
Fintecture
Issues access tokens via authorization_code and client_credentials grants. Distinct scopes for PIS, AIS, Customers, E-Mandates, and OAC (...
Fintecture Transactions and Settlements API
Fintecture
Inspect transactions and settlements. Settlements represent outgoing disbursements from the merchant's Local Acquiring account to their o...
Fintecture Accounts API
Fintecture
Bank accounts, balances, and holders
Fintecture Applications API
Fintecture
The Applications API from Fintecture — 3 operation(s) for applications.
Fintecture Authentication API
Fintecture
PSU bank authentication
Fintecture Bank Accounts API
Fintecture
Customer bank accounts
Fintecture Companies API
Fintecture
The Companies API from Fintecture — 2 operation(s) for companies.
Fintecture E-Mandates API
Fintecture
Customer e-mandates
Fintecture Memberships API
Fintecture
The Memberships API from Fintecture — 2 operation(s) for memberships.
Fintecture Organisation Nodes API
Fintecture
The Organisation Nodes API from Fintecture — 4 operation(s) for organisation nodes.
Fintecture Payments API
Fintecture
Create and inspect payment sessions
Fintecture Payouts API
Fintecture
Verified payouts and request-for-payout
Fintecture Providers API
Fintecture
Bank providers / coverage
Fintecture Refunds API
Fintecture
Initiate immediate refunds
Fintecture Request To Pay API
Fintecture
Generate Fintecture payment links
Fintecture Sandbox API
Fintecture
The Sandbox API from Fintecture — 1 operation(s) for sandbox.
Fintecture Settlements API
Fintecture
Local Acquiring disbursements
Fintecture Test Accounts API
Fintecture
Sandbox test accounts
Fintecture Users API
Fintecture
The Users API from Fintecture — 2 operation(s) for users.
Fintecture Verification API
Fintecture
AIS-based identity verification
Fintecture Verifications API
Fintecture
Customer identity verifications
Defacto Accounting API
Defacto
The Accounting API from Defacto — 1 operation(s) for accounting.
Defacto Billing API
Defacto
The Billing API from Defacto — 4 operation(s) for billing.
Defacto Business and accounts API
Defacto
The Business and accounts API from Defacto — 1 operation(s) for business and accounts.
Defacto Counterparty API
Defacto
The Counterparty API from Defacto — 2 operation(s) for counterparty.
Defacto Credit card API
Defacto
The Credit card API from Defacto — 6 operation(s) for credit card.
Defacto Eligibility and credit limit API
Defacto
The Eligibility and credit limit API from Defacto — 6 operation(s) for eligibility and credit limit.
Defacto Financial product API
Defacto
The Financial product API from Defacto — 1 operation(s) for financial product.
Defacto Invoice API
Defacto
The Invoice API from Defacto — 4 operation(s) for invoice.
Defacto Loan API
Defacto
The Loan API from Defacto — 7 operation(s) for loan.
Defacto Onboarding API
Defacto
The Onboarding API from Defacto — 9 operation(s) for onboarding.
Defacto Payment API
Defacto
The Payment API from Defacto — 3 operation(s) for payment.
Defacto Recollection API
Defacto
The Recollection API from Defacto — 5 operation(s) for recollection.
Defacto Repay API
Defacto
The Repay API from Defacto — 1 operation(s) for repay.
Defacto Sharing business data API
Defacto
The Sharing business data API from Defacto — 5 operation(s) for sharing business data.
Defacto Subscription API
Defacto
The Subscription API from Defacto — 1 operation(s) for subscription.
Defacto Testing API
Defacto
The Testing API from Defacto — 5 operation(s) for testing.
Defacto Translation API
Defacto
The Translation API from Defacto — 2 operation(s) for translation.
Defacto Webhook API
Defacto
The Webhook API from Defacto — 2 operation(s) for webhook.
Swan Accounts API
Swan
Create and manage bank accounts and their account holders through the GraphQL Partner API - open accounts, read balances and status, and ...
Swan Account Memberships API
Swan
Bind users to accounts and manage their permissions. Mutations include addAccountMemberships (add up to 200 memberships with a single con...
Swan Cards API
Swan
Issue and manage virtual and physical payment cards attached to account memberships. The addCards mutation adds up to 200 cards (includin...
Swan Payments API
Swan
Initiate and track SEPA payments. The initiateCreditTransfers mutation sends SEPA Credit Transfers, including SEPA Instant Credit Transfe...
Swan Transactions API
Swan
Read the transaction ledger for an account - list and filter transactions through Relay-style connections, inspect their status (Pending,...
Swan Onboarding API
Swan
Onboard individual and company account holders before they have a session. Started against the Unauthenticated GraphQL endpoint, onboardi...
Swan Users and Consents API
Swan
Read users and drive Swan's strong-customer-authentication consent flow. Sensitive mutations (adding memberships, issuing cards, initiati...
Other industries in France
Artificial Intelligence 22
Climate & Sustainability 19
Digital Health & Telehealth 18
Retail 15
Education & EdTech 13
Insurance 13
Cybersecurity & Identity 12
Healthcare 11
Human Resources & Payroll 11
Supply Chain & Procurement 11
Financial Services 10
Real Estate 10
All of France →
Banking & Open Banking elsewhere
North America 170
Europe 151
United Kingdom & Ireland 87
Australia & New Zealand 66
Latin America 43
India & South Asia 32
Africa 22
France & Iberia 18
DACH (Germany · Austria · Switzerland) 16
Middle East 16
Southeast Asia 10
Nordics 8
All of Banking & Open Banking →
This page is the intersection of two independently computed cohorts:
France and
Banking & Open Banking. A provider appears here only when it is
already a member of both. France membership is matched on tag,
so this is a floor rather than a census — coverage gaps show up here as small numbers, not as absent pages.
Work with this as data
Every country here is available over the APIs.io API and to AI agents over MCP. Countries is not yet its own endpoint on the v1 API. Reach it through catalog search and the tag graph, or the MCP server.