BCV Mobile is the consumer banking app of Banque Cantonale
Vaudoise (BCV), the cantonal bank of Vaud, Switzerland.
Behind the app sits BCV-net e-banking, a portal carrying
account balances, booking lines, debit and credit card
history, BVR/QR-bill/CCP/SIC payment instructions and
securities-account positions.
BCV is also a confirmed participant on SIX bLink, the
Swiss open-banking platform that exposes Account
Information Services in a standardized, regulated way.
For developers, fintechs, treasurers and accounting teams,
this combination means BCV Mobile data can be accessed
through a documented, repeatable API pathway rather than
ad-hoc scraping.
This article explains what API features are supported,
where they apply, and why building on a bLink-based
integration for BCV Mobile is a durable choice for Swiss
multibanking, QR-bill automation and account aggregation.
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SUPPORTED API FEATURES
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Account balance retrieval — per-account, intraday
refresh for BCV-net accounts via bLink AIS
Transaction history access — individual booking lines
with date, value date, amount, counterparty, remittance
text and IBAN/BIC detail
Card transaction feeds — debit and credit card history
normalized into a single transaction schema with a
card_type discriminator
Payment initiation support — BVR/QR-bill, CCP, SIC and
intra-BCV transfers mapped to ISO 20022 pain.001
instructions
Securities position access — per-position, daily-close
data from BCV's securities-account views
Push-event signal handling — configurable per-account
events surfaced as real-time webhooks for downstream
systems
Reference data coverage — branch/ATM locations, FX
rates and mortgage rates as periodic snapshots
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USE CASES & APPLICATIONS
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[1] SME Accounting & Bookkeeping
Daily BCV booking lines synced into Bexio, Abacus or
similar ledgers
End-of-day balance feeds for cash-position reconciliation
camt.053 export as a nightly safety-net alongside the
live AIS feed
[2] Treasury & Multibanking Dashboards
Unified cash-position view across BCV, ZKB, PostFinance
and other Swiss banks
One QR-bill parser reused across multiple bank
connections
Consolidated payment-initiation workflows via bLink PSS
[3] Wealth & Portfolio Tech
Mirroring BCV securities-account positions into
portfolio analytics platforms
Daily performance tracking merged with cash data
Schema-level merge of AIS cash feeds and portal-based
positions data
[4] Expense Automation & Card Management
Combined debit and credit card transaction streams
Merchant-string enrichment for expense categorization
Automated push into expense-management workflows
[5] Payment Automation & QR-Bill Processing
Scanning and parsing QR-bill payloads per SIX Swiss
Payment Standards
Automated ISO 20022 pain.001 instruction generation
Routing payments through bLink PSS or BCV-net session
depending on integration scope
Source Bundle (from USD 300) — includes OpenAPI 3.1
spec, Python/Node.js client, automated test suite,
normalized schema and interface documentation; payment
due only after delivery
Hosted API (pay-per-call) — call the hosted endpoint
directly with no upfront fee, billed per request
BCV Mobile's underlying BCV-net data — balances,
transactions, card history, QR-bill payments and
securities positions — is reachable through a
standards-based path centered on SIX bLink AIS, with a
documented protocol-analysis layer covering surfaces not
yet on bLink. For SME accounting, treasury multibanking,
wealth mirroring, expense automation and QR-bill payment
processing, this approach delivers a maintainable,
compliant integration.
Get started by outlining the BCV-net surfaces your
project needs and request a scoped build.
