Caja Viva API Access & Open Banking Data | open-banking.io

Getting programmatic reach into your Caja Viva accounts usually means wrestling with eIDAS certificates and PSD2 sandbox paperwork. open-banking.io removes that hurdle. It links to Caja Viva (BIC BCOEESMM060), part of the Grupo Caja Rural / Banco Cooperativo Español network, and lets you view both business and personal accounts from a single dashboard — no certificate, no bank-side developer registration.

Every figure that reaches you is decrypted on your own device with a key only you hold, so open-banking.io never sees your balances or transactions in the clear.

How to connect Caja Viva

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is generated locally, so only you can later unlock the data.
  2. In the dashboard, search for Caja Viva and choose the account type you want to link — business or personal.
  3. You are redirected to Caja Viva's own secure login, where you approve access under PSD2 (Strong Customer Authentication).
  4. Once you confirm, your accounts sync back into the dashboard. The consent stays valid for up to 180 days, after which you simply re-approve on Caja Viva's screen.

Access your data

Want to pull the data into your own code? That is an optional step you take after connecting. On the Developers page, create an API key and export a credentials.json — it bundles the API key with your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your key. An API key on its own only ever returns ciphertext — without your private key, there is nothing readable to see. The CLI and SDK read and refresh existing connections; they never create one.

All of this runs for roughly EUR 3/month.

Do I need a PSD2 certificate for Caja Viva?

No. open-banking.io is certificate-free. You authorise access directly on Caja Viva's login screen — no eIDAS certificate or sandbox account required.

Can open-banking.io read my Caja Viva balances?

No. The service is zero-knowledge and stores only your public key. Decryption happens on your device, so your financial data is never legible on their servers.

Does the CLI connect my Caja Viva account?

No. Connecting is done once in the dashboard via Caja Viva's consent flow. The CLI and SDK only read or sync accounts you have already linked.

Ready to start? Visit open-banking.io to link Caja Viva.