FAQs

1. Viewpoint Technology

Viewpoint’s online technology is provided by Sammedia Ltd’s Moneyinfo platform. The service is designed to help you view, organise and manage your finances. You are required to accept Sammedia’s Terms and Conditions of Use.

2. Keeping your data private

Viewpoint is a view only service, so neither you, nor anyone else can move your money. All of your data belongs to you and sensitive account information is completely private so that only you can see it. As we don’t store banking user names, passwords or any other account information, none of our or Sammedia’s employees can view or change your banking information. Your privacy and trust is our highest priority and so we put extensive safeguards in place to protect your identity, privacy and financial data at all times.

3. Keeping your data secure

We understand that we are dealing with sensitive financial information and that’s why Viewpoint and Moneyinfo take data protection and security so seriously.

Viewpoint uses the same level of data encryption and security as banks do to ensure that your data is protected at all times. The really clever part is that your information remains anonymous, Viewpoint doesn’t store any personal information that could identify you personally and most importantly we don’t store any of your bank or credit card account usernames or passwords. In fact, you simply see a view of your banking or credit card accounts so no transactions take place through Viewpoint; all that is still safely handled by your bank or credit card supplier.

Am I at greater risk of someone stealing my identity with Viewpoint?

No. Viewpoint does not hold any information that would personally identify you such as your full name or your address details. This means that your personal data remains anonymous at all times.

If someone does manage to steal my Viewpoint log in credentials, can they access my bank accounts and credit cards to make any transactions?


No. Viewpoint only gives you a read only view of your bank account or credit card information so you cannot move money around or make any transactions. You only ever enter your usernames and passwords once to establish a connection with your bank or credit card supplier. Your usernames and passwords are deleted from the Moneyinfo servers once the connection is made therefore your banking credentials are not stored and are never displayed in Viewpoint.

4. Keeping your data secure & private – technical

Sammedia’s MoneyInfo platform utilises Yodlee Inc Financial aggregation software. For more details regarding Sammedia and Yodlee’s Security please contact your Viewpoint Administrator on 0808 169 6789 or by emailing [email protected].

All information is securely transmitted using SSL standard encryption, which creates an encrypted connection between your browser and the Moneyinfo servers. Your information remains encrypted at all times. Yodlee Inc is PCI-DSS compliant as a Level 1 Service Provider and is responsible for protecting the security of client banking credentials.

Moneyinfo servers are hosted by an industry-leading company at their secure cutting-edge data center in London. Your data is protected by multiple-layer firewalls which prevent unauthorised access and are monitored 24/7.

Transaction information is stored on servers located in a secure facility that is protected by the very best in physical security, electronic security and internal security policies to ensure that your details remain safe. Security personnel monitor the system 7 days a week, 24 hours a day and access requires multiple levels of authentication, including biometrics (hand print scan) procedures.

5. Password

Why does Viewpoint need the usernames and passwords for my bank and credit card accounts?

You give Viewpoint this information just once to allow Sammedia to establish a secure connection via Yodlee Inc to your bank or credit card company so that your transaction or statement information can be retrieved securely. Once the connection is made, your banking or credit card usernames or passwords are deleted from the Moneyinfo servers and not stored in Viewpoint.

Can my adviser’s employees access or view my bank login in details?

No. Viewpoint does not store any of your bank or credit card account usernames or passwords on any of our or Sammedia’s servers or systems. This means that your adviser and Sammedia cannot access your banking credentials. Your identity and your account information are both anonymous and safe.

Can Viewpoint employees access or view my bank login in details?

No. Viewpoint does not store any of your bank or credit card account usernames or passwords on any of our servers or systems. This means that no one at Viewpoint can access your banking credentials. Your identity and your account information are both anonymous and safe.

How do I retrieve a forgotten password?

Each user has a unique and secure password to access Viewpoint from the Viewpoint.Moneyinfo homepage viewpoint.moneyinfo.co.uk.

If you have forgotten your password, go to the login section of viewpoint.moneyinfo.co.uk and input your e-mail address to reset your password. Upon validation of your username, an email will be sent to you containing a link allowing you to validate yourself by responding to a security question and then to reset your password. Once you have logged in to Viewpoint you will be able to amend your User Name, Password or Security Question by clicking on the Details tab.

6. Trouble-shooting your Viewpoint Bank feed

I am unable to locate my Bank or Credit Card Supplier in the options available?

Our banking integration partner is working to increase the number of providers currently being supported. If you are unable to locate a provider in the options available, firstly try inputting any variation of the banks name e.g. RBS or Royal Bank of Scotland.

If you are still unable to locate the provider please contact your Viewpoint Administrator on 0808 169 6789 or by emailing [email protected] with the details and we will request that the provider be added to the service.

I receive an error message when attempting to add an account what do I need to do?

There may be a number of reasons why we are unable to link to your online banking site to set up your account:

  • The online banking credentials input on Viewpoint do not match those held by the bank’s online site. Please recheck your login details by accessing your online banking site and then correcting the details input to Viewpoint.
  • Viewpoint is unable to update your account due to technical difficulties at the banking site. Please login to your on line banking site directly and verify that you can view all of your account information. Then try to update your account again through Viewpoint. 
If you continue to receive this error please notify your Viewpoint Administrator on 0808 169 6789 or by emailing [email protected]. The problem will be escalated to the engineering team at the banking aggregation technology provider and we will notify you when this is corrected.
  • Viewpoint could not update your account because the account has been locked. This usually results from too many unsuccessful login attempts in a short period of time. Please access your online banking site or contact their customer support to resolve this issue. Once you have done so, please update your account credentials within Viewpoint in case they are changed.

In all cases, Viewpoint will monitor any error messages received and escalate where necessary. We will advise you as soon as the problem is resolved.

What if there are transactions missing from my statement?

If you have made any transactions today or are expecting more transactions than are visible, refresh your account by clicking on the ‘Refresh’ button.

If I have changed my Online Banking Credentials how do I notify Viewpoint?

Viewpoint will be notified that your online login credentials have changed when it tries to update your account. In this instance a ‘warning icon’ will appear and by clicking on this you will be able to re-enter your amended details.

Please note this does not change the actual credentials used by your bank, only the way in which Viewpoint connects to it.