Vivid Money API Access via Open Banking | Italy

Vivid Money blends everyday banking with saving and investing, and if you hold an account in Italy you can bring that data into your own tools without wrestling with PSD2 certificates or eIDAS red tape. open-banking.io links to Vivid Money (BIC VVIDLUL2) on your behalf and hands you clean, decrypted account and transaction data — while the keys that unlock it never leave your device.

Both business and personal Vivid Money accounts are supported, and a single approval keeps data flowing for up to 180 days before Vivid Money asks you to renew consent.

How to connect Vivid Money

Connecting happens entirely inside the open-banking.io dashboard — there is no endpoint to call and no key to paste:

  1. Create your open-banking.io account and choose an encryption passphrase. Your cryptographic keys are generated locally, right there in your browser.
  2. In the dashboard, search for Vivid Money and pick the account type you hold — business or personal.
  3. You are redirected to Vivid Money's own secure login, where you approve access on the bank's PSD2 consent screen. Your credentials only ever touch Vivid Money.
  4. Once approved, your accounts and transactions sync back into the dashboard, ready to view.

That is the whole flow. No developer redirect, no OAuth wiring, no manual token handling.

Access your data

Want to work with the data in code? That is an optional step you take after connecting. On the Developers page, generate an API key and export a credentials.json — this bundles the API key together with your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly.

Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read and refresh connections you already made in the dashboard — there is no connect command.

Because open-banking.io is zero-knowledge, its servers hold only your public key. Even we cannot read your Vivid Money data — an API key on its own returns nothing but ciphertext without your private key. It is certificate-free and costs around EUR 3/month.

FAQ

Do I need a PSD2 certificate to use Vivid Money here?

No. open-banking.io handles the regulated connection, so you skip eIDAS certificates entirely and approve access on Vivid Money's own screen.

Can I connect Vivid Money straight from the CLI?

No. Connecting is a dashboard action. The CLI, SDK and API only read or sync accounts you have already linked.

How long does my Vivid Money access last?

Up to 180 days per consent, after which you re-approve on Vivid Money's login page.

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