Vivid Money API Access & Open Banking Data Sync

Pulling your Vivid Money balances and transactions into your own tools usually means chasing certificates and PSD2 paperwork. open-banking.io removes that friction: it links your Vivid Money account through a secure, bank-approved consent, then hands the data back to you encrypted so only you can read it. Whether you run a business account or a personal one, everything lands in a single dashboard you control.

Because open-banking.io is zero-knowledge, the service only ever holds your public key. Statements, IBANs and payment history are decrypted on your own device with a key that never leaves it — the servers store ciphertext they cannot open.

How to connect Vivid Money

Connecting happens entirely in the open-banking.io dashboard — there is no API call, code or key involved in this step.

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally in your browser.
  2. In the dashboard, search for Vivid Money and choose the account type you hold — business or personal.
  3. You are redirected to Vivid Money's own secure login, where you approve access under PSD2. Consent lasts up to 180 days (BIC VVIDLUL2), after which you simply reconfirm.
  4. Your accounts sync straight into your dashboard, ready to view or export.

Access your data

Once Vivid Money is connected, developers can optionally read the data programmatically. On the Developers page, create an API key and export a credentials.json — this bundles the API key together with your private decryption key. From there:

  • Use the CLI: openbanking accounts, openbanking transactions, openbanking sync.
  • Or call the REST API / SDK, sending your key in the X-Api-Key header.

Every response is decrypted locally with your own key. An API key alone returns only ciphertext — without your private key, the data stays unreadable, which is exactly the point.

All of this runs on a flat plan of roughly EUR 3/month across 2,600+ supported EU and UK banks, with no eIDAS certificate to buy or renew.

Do I need a developer account to connect Vivid Money?

No. Connecting is a dashboard task. API keys and credentials.json are only needed if you later want to read data via CLI, SDK or REST.

Can open-banking.io read my Vivid Money transactions?

No. It is zero-knowledge and holds only your public key. Decryption happens on your device with a key only you have.

How long does my Vivid Money connection stay active?

Up to 180 days per consent. When it expires, reapprove access on Vivid Money's login screen to keep syncing.

Ready to start? Visit open-banking.io.