Vivid Money Spain: Open Banking & API Access Guide

Looking to pull your Vivid Money balances and transactions into your own tools? open-banking.io gives you a certificate-free route to your Vivid Money (Spain) data without registering as a licensed PSD2 provider or wrangling eIDAS certificates. You approve access once, and your account information flows into a private dashboard that only you can decrypt.

Vivid Money supports both business and personal accounts (BIC VVIDLUL2), and a single approval keeps your connection live for up to 180 days before Vivid Money asks you to re-confirm. That covers everything from a quick month-end reconciliation to an always-on cash-flow feed.

How to connect Vivid Money

Connecting happens entirely inside 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 on your own device, so nobody else can read your data.
  2. In the dashboard, search for Vivid Money and choose the account type you want to link — business or personal.
  3. You are redirected to Vivid Money's own secure login, where you approve access under PSD2 open-banking consent. Your credentials are only ever entered on Vivid Money's screen.
  4. Once approved, your Vivid Money accounts sync back into your dashboard, ready to view.

Access your data

Once your Vivid Money connection is live, developers can optionally read it 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), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. The CLI and SDK only read and sync connections you have already made — they never establish new ones.

Because open-banking.io is zero-knowledge, its servers hold only your public key. An API key on its own returns ciphertext; without your private key it stays unreadable. All this runs for roughly EUR 3/month.

Is a PSD2 certificate required?

No. open-banking.io is certificate-free — you approve access directly on Vivid Money's consent screen.

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

No. Data is decrypted only on your device with a key that never leaves it.

How long does my connection last?

Up to 180 days, after which Vivid Money prompts you to re-approve.

Ready to start? Visit open-banking.io.