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Memo Bank

Memo Bank Premium Bank API

REST/JSON banking API for Memo Bank business customers, authenticated with RS256-signed JWT request tokens. Covers accounts and balances, transactions with typed transaction sources, virtual and standard IBANs, SEPA credit transfers (standard and instant), SEPA Direct Debit collections, mandate signature requests, SWIFT/RTGS wire transfers, bulk transfer and collection batches, transaction attachments, account assessments (IBAN/name verification), webhook management, and sandbox-only endpoints that simulate incoming transactions. 43 operations across 32 paths, plus an OpenAPI 3.1 webhooks block describing 34 event types.

Documentation Provider Profile APIs.io OpenAPI GitHub

This API exposes 43 operations across 32 paths, organized into 11 resource areas, and defines 119 schemas. It is described by OpenAPI 3.1.0, at version 2.0.

Requests are made against 2 base URLs: https://api.memo.bank, https://api.sandbox.memo.bank.

43 operations 32 paths 119 schemas 6 DELETE22 GET1 PATCH14 POST

Metadata

The identity and technical contract details declared by the specification.

Specification
OpenAPI 3.1.0
API Version
2.0
Base URL
https://api.memo.bank
Resource Areas
11

Paths & Operations 43

Across 32 paths, the API surfaces 43 operations — 6 DELETE, 22 GET, 1 PATCH, 14 POST. They span 11 resource areas, including Account assessments, Accounts, Attachments, Collections, IBANs, Mandate signature requests, Sandbox, Transactions, and 3 more. Each is listed below with its method, path, parameters, and response codes.

Account assessments 2

Account assessments allow you to assess SEPA counterparty accounts before initiating transactions with them. An assessment provides: Risk indicators: Detection of fraudulent activ…

POST
/v2/account_assessments
Create an account assessment
createAccountAssessment body → 200
GET
/v2/account_assessments/{id}
Get an account assessment
getAccountAssessment 1 param → 200
Accounts 2

Accounts are any bank account that your company owns: current account, ring-fenced account, settlement account, specially dedicated account, trust account, meal voucher account, b…

GET
/v2/accounts/{id}
Get an account
getAccount 1 param → 200
GET
/v2/accounts
List all accounts
listAccounts 3 params → 200
Attachments 4

Documents attached to transactions.

GET
/v2/attachments
List all attachments
listAttachments 5 params → 200
POST
/v2/attachments
Create an attachment
createAttachment body → 201
GET
/v2/attachments/{id}
Get an attachment
getAttachment 1 param → 200
DELETE
/v2/attachments/{id}
Delete an attachment
deleteAttachment 1 param → 204
Collections 6

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 required…

GET
/v2/collections/{id}
Get a collection
getCollection 1 param → 200
DELETE
/v2/collections/{id}
Cancel a SEPA Direct Debit collection
cancelCollection 1 param → 200
POST
/v2/collections
Schedule a SEPA Direct Debit collection
createCollection body → 200
POST
/v2/collections/bulks
Create bulk collections
createCollectionsBulk body → 200
GET
/v2/collections/bulks/{id}
Get a bulk and its current progress
getCollectionsBulk 1 param → 200
GET
/v2/collections/bulks/{id}/collections
Get the status of individual collection in a bulk
getCollectionsBulkItems 5 params → 200
IBANs 5

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 IBAN…

GET
/v2/ibans
List all IBANs
listIbans 5 params → 200
POST
/v2/ibans
Create a virtual IBAN
createIban body → 201
GET
/v2/ibans/{id}
Get an IBAN
getIban 1 param → 200
DELETE
/v2/ibans/{id}
Delete an IBAN
deleteIban 1 param → 204
PATCH
/v2/ibans/{id}
Update an IBAN
updateIban 1 param body → 200
Mandate signature requests 5

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 mand…

GET
/v2/mandate_signature_requests
List the mandate signature requests
listMandateSignatureRequests 4 params → 200
POST
/v2/mandate_signature_requests
Create a new mandate signature request
createMandateSignatureRequest body → 200
GET
/v2/mandate_signature_requests/{id}
Get a mandate signature request
getMandateSignatureRequest 1 param → 200
DELETE
/v2/mandate_signature_requests/{id}
Delete a mandate signature request
deleteMandateSignatureRequest 1 param → 200
POST
/v2/mandate_signature_requests/{id}/renewals
Renew a mandate signature request
renewMandateSignatureRequest 1 param → 200
Sandbox 2

Sandbox only endpoints.

POST
/v2/sandbox/incoming_collections
Simulate an incoming SEPA collection
createIncomingCollection body → 204
POST
/v2/sandbox/incoming_transfers
Simulate an incoming SEPA transfer
createIncomingTransfer body → 204
Transactions 2

Transactions are any debit and credit operations on an account. Note that the status of the transaction indicates whether or not it affects the account’s available balance. debit…

GET
/v2/transactions/{id}
Get a transaction
getTransaction 1 param → 200
GET
/v2/transactions
List all transactions
listTransactions 11 params → 200
Transfers 7

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 or…

GET
/v2/transfers/{id}
Get a transfer
getTransfer 1 param → 200
DELETE
/v2/transfers/{id}
Cancel a SEPA transfer
cancelTransfer 1 param → 200
POST
/v2/transfers
Initiate a SEPA transfer
createTransferV2 body → 200
POST
/v2/transfers/bulks
Create bulk transfers
createTransfersBulk body → 200
GET
/v2/transfers/{id}/proof
Generate a proof of transfer
getProofOfTransfer 1 param → 200
GET
/v2/transfers/bulks/{id}
Get a bulk and its current progress
getTransfersBulk 1 param → 200
GET
/v2/transfers/bulks/{id}/transfers
Get the status of individual transfers in a bulk
getTransfersBulkItems 5 params → 200
Webhooks 4

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://do…

GET
/v2/webhooks
List all webhooks
listWebhooks 3 params → 200
POST
/v2/webhooks
Create a webhook
createWebhook body → 200
GET
/v2/webhooks/{id}
Get a webhook
getWebhook 1 param → 200
DELETE
/v2/webhooks/{id}
Delete a webhook
deleteWebhook 1 param → 204
Wire Transfers 4

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 may…

POST
/v2/wire_transfers
Initiate a wire transfer
createWireTransfer body → 200
POST
/v2/wire_transfers/{id}/attachments
Create an attachment to a wire transfer
createWireTransferAttachment 1 param body → 201
GET
/v2/wire_transfers/{id}/proof
Generate a proof of wire transfer
getProofOfWireTransfer 1 param → 200
GET
/v2/wire_transfers/{id}
Get a wire transfer
getWireTransfer 1 param → 200

Schemas 119

The contract defines 119 schemas that model the data the API accepts and returns. The most detailed are Transaction (19 properties), TransferV2 (18 properties), Collection (16 properties), WireTransfer (14 properties). Each schema is shown below with its type and property counts.

PendingAccountAssessment
object
3 required
CreateAccountAssessment
object
2 properties 1 required
Identification
object
LeiIdentification
object
2 required
NameIdentification
object
2 required
SirenIdentification
object
2 required
AccountAssessment
object
Capability
object
3 properties 3 required
CompletedAccountAssessment
object
8 required
FailedAccountAssessment
object
4 required
IdentificationMatch
object
LeiIdentificationMatch
object
3 required
NameIdentificationMatch
object
3 required
SirenIdentificationMatch
object
3 required
Account
object
8 properties 8 required
AccountPage
object
5 properties 3 required
Attachment
object
7 properties 7 required
AttachmentPage
object
5 properties 3 required
Collection
object
16 properties 8 required
CollectionMandate
object
The SEPA Direct Debit collection mandate used.
2 properties 2 required
CollectionMandateDebtor
object
The debtor associated with this mandate.This field is only required in case of a new mandate. If there is an existing mandate with this reference and scheme, a…
3 properties 2 required
CollectionMandateDebtorAddress
object
The debtor's address. Mandatory only when the debtor's bank — more specifically, its BIC — is located in a non-EEA SEPA country or territory.
5 properties 4 required
CreateCollection
object
9 properties 4 required
CreateCollectionMandate
object
The SEPA Direct Debit collection mandate to be used.
5 properties 2 required
BulkCollections
object
6 properties 6 required
CreateBulkCollections
object
1 property 1 required
CollectionPage
object
5 properties 3 required
Iban
object
8 properties 8 required
CreateIban
object
3 properties 2 required
IbanPage
object
5 properties 3 required
UpdateIban
object
4 properties
Address
object
Debtor's address.
4 properties 4 required
EmailMandateSignatureRequest
object
8 required
MandateSignatureRequest
object
MandateSignatureRequestDebtor
object
Debtor information filled when the request was signed. This is available when the request is completed.
3 properties 2 required
RedirectMandateSignatureRequest
object
10 required
CreateEmailMandateSignatureRequest
object
4 required
CreateMandateSignatureRequest
object
CreateMandateSignatureRequestDebtor
object
Debtor data used to prefill the signing form. All fields are optional; the debtor can still edit them before signing.
3 properties
CreateMandateSignatureRequestDebtorAddress
object
Debtor address used to prefill the signing form. All fields are optional.
4 properties
CreateRedirectMandateSignatureRequest
object
5 required
MandateSignatureRequestPage
object
5 properties 3 required
CreateIncomingCollection
object
5 properties 2 required
CreateIncomingCollectionMandate
object
The SEPA Direct Debit collection mandate. Allow you to provide mandate information that will be used for the transaction. If not provided, default values will…
2 properties
CreateIncomingCollectionMandateCreditor
object
The creditor associated with this mandate.
3 properties
CreateIncomingTransfer
object
6 properties 2 required
BankAccountRemunerationSource
object
1 required
CardCreditSource
object
3 required
CardDebitSource
object
3 required
CardDeferredSource
object
1 required
CardWithdrawalSource
object
3 required
CollectionIncomingReturnSource
object
2 required
CollectionIncomingSource
object
1 required
CollectionOutgoingReturnFeesSource
object
3 required
CollectionOutgoingReturnSource
object
3 required
CollectionOutgoingSource
object
2 required
DebtPurchaseApplicationFeesSource
object
1 required
DebtPurchaseDisbursementSource
object
1 required
DebtPurchaseInterestsSource
object
1 required
DebtPurchaseRepaymentSource
object
1 required
DiverseOperationSource
object
1 required
InvestmentRedemptionOrderDTO
object
1 required
InvestmentSubscriptionOrderDTO
object
1 required
LoanApplicationFeesSource
object
1 required
LoanDisbursementSource
object
1 required
LoanGuaranteeFeeSource
object
1 required
LoanReimbursementSource
object
1 required
LoanRepaymentSource
object
1 required
MaintenanceTransferSource
object
1 required
MaintenanceWireTransferSource
object
1 required
OverdraftAgiosSource
object
1 required
OverdraftApplicationFeesSource
object
1 required
RtgsTransferIncomingReturnSource
object
4 required
RtgsTransferIncomingSource
object
2 required
RtgsTransferOutgoingReturnSource
object
4 required
RtgsTransferOutgoingSource
object
2 required
SubscriptionSource
object
1 required
SweepTransferIncomingSource
object
3 required
SweepTransferOutgoingSource
object
3 required
TermDepositClosureSourceDTO
object
1 required
TermDepositCreationSourceDTO
object
1 required
TermDepositInterestPaymentSourceDTO
object
1 required
TermDepositWithdrawalSourceDTO
object
1 required
Transaction
object
19 properties 14 required
TransactionSource
object
Source of the transaction. We may add additional source types over time; your application should be able to handle such additions gracefully.
TransferIncomingReturnSource
object
3 required
TransferIncomingSource
object
2 required
TransferOutgoingReturnSource
object
4 required
TransferOutgoingSource
object
3 required
WireTransferIncomingSource
object
3 required
WireTransferOutgoingReturnSource
object
2 required
WireTransferOutgoingSource
object
4 required
TransactionPage
object
5 properties 3 required
Transfer
object
11 properties 9 required
CreateTransfer
object
8 properties 4 required
TransferV2
object
18 properties 8 required
CreateTransferV2
object
12 properties 3 required
TransferBeneficiaryAddress
object
Address of the beneficiary. Will be used to create the beneficiary if one doesn't already exist with the same accountidentifier, will be ignored otherwise.
4 properties 4 required
BulkTransfers
object
6 properties 6 required
CreateBulkTransfers
object
1 property 1 required
TransferV2Page
object
5 properties 3 required
Event
object
5 properties 5 required
Webhook
object
4 properties 4 required
CreateWebhook
object
2 properties 2 required
WebhookPage
object
5 properties 3 required
AccountIdentifier
object
Account identifier of the beneficiary.
AccountNumberAndBic
object
3 required
AccountNumberAndRoutingCode
object
3 required
IbanAndBic
object
3 required
WireTransfer
object
14 properties 8 required
CreateWireTransfer
object
9 properties 6 required
TransferBeneficiary
object
Information regarding the beneficiary of this wire transfer.
6 properties 5 required
IdentificationDiscriminator
object
2 properties 1 required
AccountAssessmentDiscriminator
object
3 properties 3 required
IdentificationMatchDiscriminator
object
2 properties 2 required
MandateSignatureRequestDiscriminator
object
10 properties 8 required
CreateMandateSignatureRequestDiscriminator
object
7 properties 4 required
TransactionSourceDiscriminator
object
1 property 1 required
AccountIdentifierDiscriminator
object
1 property 1 required

Specification

The full machine-readable OpenAPI contract behind this narrative.

Source

memo-bank-premium-bank-api-openapi.yml Raw ↑
#Banking#Payments#SEPA#SEPA Direct Debit#Virtual IBAN#Wire Transfers#Webhook
← Back to M APIs
API Details
ID
memo-bank:memo-bank-premium-bank-api
Base URL
https://api.memo.bank
Docs
https://docs.api.memo.bank/
Provider
Memo Bank
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