Vivid Money (France) API & Open Banking Access

Vivid Money brings its mobile-first banking to France under Luxembourg licensing (BIC VVIDLUL2), pairing everyday spending accounts with saving and investing features. If you want your Vivid Money transactions outside the app — in a spreadsheet, a bookkeeping tool, or your own script — open-banking.io gives you a PSD2 route that never asks you to build a bank integration yourself.

open-banking.io is a zero-knowledge, certificate-free gateway to 2,600+ EU and UK banks. Your encryption keys are generated on your own device, so the only thing our servers ever hold is your public key. Everything you pull back is decrypted where you read it.

How to connect Vivid Money

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your private key is created locally and never leaves your device.
  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 to approve access under PSD2. You authenticate with Vivid Money directly; open-banking.io never sees your credentials.
  4. Once approved, your accounts and transactions sync into your dashboard. The consent stays valid for up to 180 days, after which you simply re-approve.

Access your data

Reading data programmatically is an optional step for developers, and only after a connection exists. 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. Note the CLI only reads and syncs existing connections; it cannot connect a bank. And because decryption is local, an API key on its own returns only ciphertext — your private key is what makes it readable.

All of this runs at around EUR 3/month, with no certificates to buy or maintain.

Does open-banking.io store my Vivid Money login?

No. You authenticate on Vivid Money's own consent screen, and open-banking.io never receives your banking credentials.

Can I connect Vivid Money from the CLI?

No. Connecting is done in the dashboard. The CLI and SDK only read or sync accounts you have already connected.

What happens after 180 days?

Vivid Money's PSD2 consent expires and you re-approve from the dashboard to keep your data syncing.

Ready to start? Head to open-banking.io.