# Memo Bank **Canonical:** https://apis.io/providers/memo-bank/ **Website:** https://memo.bank/ **APIs profiled:** 3 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. ## Kin Score — 66.4 / 100 (strong) Scored 2026-09-08 under rubric 0.20.0. Trend: flat (+0.0 from 66.4). | Facet | Score | |---|---| | Discoverability | 81.5 | | Contract Quality | 59.5 | | Governance | 18.2 | | Contract Governance | 18.2 | | Operational Transparency | 42.1 | | Developer Ergonomics | 66.1 | | Commercial Clarity | 73.7 | | Access Clarity | 73.7 | Regulatory layer — **Banking & Open Finance**: 87.3 (matched via tags). ## Agent readiness — 42.1 (agent-native) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | no | | Reversibility Documented | documented | | MCP Server | documented | | Auth Clarity | negotiable | | Idempotency | documented | | Error Semantics | documented | | OpenAPI Examples | partial | | Rate Limit Signal | documented | | Event Surface Described | yes | | Agent Skills | derived | | Well Known Catalog | no | | Consent Identity | no | | Agent Card | no | | Dry Run Mode | no | | Delegated Identity | documented | | Protected Resource Metadata | no | | Dynamic Client Registration | no | | Agentic Commerce | no | ## Access Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high). ## APIs (15) - **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 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 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 O Auth2 API** — OAuth2 token management endpoints. - **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.