Banks Can Now Claim Their Moon Banking Profile

Moon Banking has always been built from the outside looking in.

We list tens of thousands of banks, and nearly everything on those profiles — the descriptions, the stock listings, the scores readers vote on — was assembled without the bank in the room.

For comparison between banks, that independence is the entire point. For detail, it is a real limitation.

So we have built a way for a bank to speak for itself. A bank can now claim its Moon Banking profile, and once that claim is approved, its representatives can publish in real time: which products they offer, what those products pay or charge, and what the terms are this week rather than last spring.

Claiming a profile

Every unclaimed bank page now carries an invitation.

Claiming starts with a short form: your name, your job title, and a work email, plus an optional phone number, a link that backs you up, and anything else you want the reviewer to know.

Nothing is automatic. Every claim goes into a review queue and a person decides on it, so a free email address and a confident job title will not get you the keys to a bank. Either way, the decision comes back with a note explaining it.

A bank is also not limited to one representative. Several people can hold approved claims on the same profile at once, which matches how the work is actually divided — whoever maintains deposit rates is rarely the same person who maintains the credit card lineup.

What a bank can publish

Approved representatives control one thing outright: the bank's products and services. Deposit accounts, cards, loans, investment and insurance products, and services like wire transfers, foreign exchange, and merchant services — seven categories spanning about thirty specific product types.

The part we spent the most time on is how rates and fees are modelled, because a real product rarely has one clean number.

• Rates can be a single headline figure or a range, and each is labelled with how to read it: an APY, an APR, an introductory APR that later reverts, a variable APR that tracks an index, or a plain interest rate. A short note can qualify it, because "depends on credit score and term" is more honest than a bare number.
• Fees are separate fields for the monthly fee, the annual fee, the minimum opening deposit, and the minimum balance, all denominated in the product's own currency.
• Terms are a month count plus a note, so a 60-month headline can still explain that terms from 12 to 84 months are available.
• Features are short bullet points, and anything the standard fields do not cover goes into a list of labelled values. That escape hatch is deliberate: banks keep inventing product shapes, and none of them should require a database migration before a bank can describe what it sells.

Every product also carries an effective date — the day its current rates and terms took effect. It is a small field that does a lot of work, because it lets a reader judge how fresh a number is instead of having to assume.

Products can be staged as drafts, published to the public page, or archived once they are retired. Archived products stay in the record but drop off the profile.

What a bank cannot change

A claim is not editorial control, and that line is drawn deliberately. The parts of a profile that make Moon Banking worth reading — the description, the stock listings, the country a bank is filed under, and above all the votes and scores readers contribute — stay with us.

What a representative can do is ask. An update request names what should change, what it should change to, why, and ideally a source, and it goes to the same review queue as claims. If a description is out of date or a ticker is wrong, that is usually a quick correction. If the request is to make an unflattering score disappear, it is not. We also reserve the ability to hide a published product when we cannot verify an advertised rate against the bank's own website, and a bank can contest that through the same route.

The rule of thumb: a bank owns its catalog, and Moon Banking owns the assessment.

Keeping it current, for free

A rate that has to be updated by hand is a rate that goes stale, so product management is available through the Moon Banking API — and the write half of it does not require a paid plan.

That is a deliberate break from how the rest of the API works. Nearly everything else on api.moonbanking.com is a Pro feature. These endpoints are free:

Free keys are limited to 60 requests per minute, which is considerably more than a nightly rate sync needs. Creating an API key no longer requires a subscription either, and keys can belong to an organization rather than a person, so a sync job does not break the day the employee who set it up moves on.

Publishing a rate change looks like this:

import MoonBanking from 'moonbanking';
const client = new MoonBanking({  bearerToken: process.env['MOON_BANKING_API_KEY'],});
// A product update replaces the whole record, so send its full state.await client.bankProducts.update('5bKqNzTx8mLrW3v', 'nT8xLmP9wHzQVr4', {  category: 'ACCOUNT',  type: 'SAVINGS_ACCOUNT',  name: 'High-Yield Savings',  currency: 'USD',  rateType: 'APY',  ratePercent: 4.4,  monthlyFeeCents: 0,  effectiveDate: '2026-09-08',});

Every write is checked against the approved claims on that bank. A representative can only touch the banks they actually represent, whether they are signed in on the site, calling with a key, or letting an agent do it for them.

Or let an agent do it

Not every bank wants to build and maintain an integration just to change a rate. So the same product operations are exposed through the Moon Banking MCP server, which lets an AI agent — Claude, Cursor, ChatGPT, or anything else that speaks MCP — do the work on a representative's behalf.

For most clients, the entire setup is a URL:

{  "mcpServers": {    "moonbanking": {      "url": "https://mcp.moonbanking.com/mcp"    }  }}

There is no key to generate, copy, or store. The connection uses OAuth, so the client opens a browser, the representative signs in to Moon Banking, and the agent then acts as that person — with exactly the permissions their approved claims already grant, and nothing beyond them.

From there, the instruction is the whole interface. "Raise the APY on our high-yield savings to 4.4% and set the effective date to Monday" is enough: the agent reads the catalog with bankProduct_listForOwnedBank and writes the change with bankProduct_update. Creating, archiving, and removing products are tools as well, and all five are free-tier, so an agent can keep a bank's catalog current without a Pro plan.

If you would rather run the server yourself — inside an automation that has no browser available to complete an OAuth flow, for instance — npx -y @moonbanking/mcp-server offers the same tools over stdio, authenticated with an API key.

Per-client setup instructions are at docs.moonbanking.com/mcp.

Why the write path is free

Charging a bank to correct its own rates would be a strange trade. What a bank publishes here is worth more to Moon Banking, and to everyone comparing banks on it, than a subscription from that same bank would be. So the incentive points where it should: putting accurate data in costs nothing.

Reading across banks is still where Pro lives. GET /bank-products returns published products from every bank on the platform, with filters and sorting, and that one remains a paid endpoint.

Getting started

Find your bank, open its profile, and use the claim card. Once you are approved, the bank shows up under Your banks in your settings, where you can add products by hand, pick up an API key, or hand the job to an agent.

The full endpoint reference, with each one badged free or Pro, is in the bank products documentation.