Vivid Money Open Banking & API Access | open-banking.io

Reaching your Vivid Money account data no longer means wrestling with PSD2 certificates or a sandbox onboarding queue. open-banking.io gives you a single, certificate-free route to your Luxembourg-registered Vivid Money accounts (BIC VVIDLUL2), covering both business and personal profiles. Everything is built around one principle: your financial data is decrypted on your own device with a key that never leaves it, so nobody — not even open-banking.io — can read your balances or transactions.

How to connect Vivid Money

Connecting happens entirely inside the open-banking.io dashboard, not through any API call or key:

  1. Sign up for open-banking.io and set an encryption passphrase. Your key pair is generated locally on your device the moment you set it.
  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. open-banking.io never sees your banking credentials.
  4. Once approved, your Vivid Money accounts sync into your dashboard. Consent stays valid for up to 180 days, after which you simply re-approve on Vivid Money's screen.

That's the whole connection flow — no code, no redirect you have to build, no developer setup.

Access your data

Programmatic access is an optional step you take after the account is already connected. Open the Developers page, create an API key, and export a credentials.json file that bundles that key together with your private decryption key. From there you can pull data with the CLI (openbanking accounts, openbanking transactions, openbanking sync) or reach the same endpoints through an SDK or the REST API.

Every request carries your key in the X-Api-Key header, and every response is decrypted locally with your private key. An API key on its own returns only ciphertext — without the private half of your key pair, there is nothing readable to leak. 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 an eIDAS certificate for Vivid Money?

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

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

No. The service is zero-knowledge and holds only your public key. Decryption happens on your device.

Does the CLI connect my Vivid Money account?

No. Connecting is done once in the dashboard. The CLI, SDK and API only read and sync accounts you've already linked.

Start at open-banking.io.