Pricing & Limits

This new pricing and fair limits are applicable to new users from October 28st, 2021 (and from January 1st, 2022 to users who subscribed until October 28st, 2021).
Click here to read the previous version.

Pricing

Lydia Lydia Blue Lydia Black
Monthly Subscription
€0
€4.90*
€7.90
Lydia plastic card
€5
Free (then 5€)
Free (then 9€)
Instant outgoing transfer
€1
Free
Free
*1€ for under 25 years old
Incident fees:
  • Rejected bank transfers are changed €10;
  • Beyond 2 rejected direct debits per month, each additional reject is charged €5;
  • Beyond 5 Lydia card payments refused per month, each additional reject is charged €0.50.
Other fees:
  • 2.9% commission, regardless of the user's subscription, on funds collected via the Cagnotte.me service;
  • €30 per Lydia card chargeback event after the 10th incident within a year;
  • €20 administration fees for each unpaid card payment;
  • €99 per infringement to our T&Cs;
  • €100 fees per seizure ordered by a bailiff (within the limit of user’s account balances);
  • 10% of the amount owed to the TrĂ©sor Public up to a maximum of €100 per administrative seizure (within the limit of user’s account balances);
  • 10% of the amount seized in the payment account (and €100 maximum) per administrative seizure;
  • €30 Inactivity Fee, within the limit of user’s account balances;
  • other fees may apply if you do not have a "reasonable" use (read article 14 of the T&Cs).

Limits

Lydia Lydia Blue Lydia Black
Number of transactions (1) /month
20
Unlimited
Unlimited
billed 1.5% above
Number of ATM withdrawals /month
0
3
5
billed 1.5% above
Amount withdrawable from the ATM /month
€0
€250
€1000
billed 1.5% above
Sum cash-out  /month (1)
€1 000
€5 000
N/A
billed 1.5% above
Sum of outgoing bank transfers/month (1)
€500
N/A
N/A
billed 1.5% above
Number of Lydia plastic cards
1
1
2
Number of Internet cards /month (2)
3 created and 1 active
20 created and 5 actives
20 created and 10 actives
billed €0.50 by Internet card creation above
Number of credit cards registered on Lydia (excl. Lydia cards)
2
10
10
Number of business credit cards registered on Lydia
0
0
2
Top-up by card /month
3
for a total of €200
billed 2.5% above
3
for a total of €400
billed 2.5% above
Number of payment source changes after payment with a bank card / month (excl. Lydia cards)
1
5
5
billed 2.5% above
(1) All outgoing payments, wires, top-up, money transfers, done with the Lydia app, the Lydia IBAN or Lydia cards.
(2) When the maximum number of active cards is reached only ephemeral cards can be created and will be charged €0.5.
Fees are billed with a minimum of €0.10. ATM fees are billed with a minimum of €1. 
A user can only be billed once when they exceed multiple limits on a single transaction.
If multiple limits are reached on a single transaction, the fees charged will be the highest of any potentially applicable fees.
Only what exceeds the limit is charged.
Unverified users have additional or more restrictive limits:
  • Maximum amount stored on a Lydia payment account within 30 days: €150;
  • Maximum amount sent with a Lydia payment account within 30 days: €150.
Security and compliance limits may also be implemented to prevent abuse and/or illegal use of the Lydia Services.

Pricing

Price
Lydia
€0
Lydia Blue
€4.90***
Lydia Black
€7.90
***1€ for under 25 years old
Lydia plastic card
Lydia
€5
Lydia Blue
Free (then €5)
Lydia Black
Free (then €9)
Instant outgoing transfer
Lydia
€1
Lydia Blue
Free
Lydia Black
Free
Other fees:
  • 2.9% commission, regardless of the user's subscription, on funds collected via the Cagnotte.me service;
  • €30 per Lydia card chargeback event after the 10th incident within a year;
  • €20 per unpaid or rejected bank transfer incident;
  • €99 per infringement to our Terms and Conditions;
  • €100 fees per seizure ordered by a bailiff (within the limit of user’s account balances);
  • 10% of the amount owed to the TrĂ©sor Public up to a maximum of €100 per administrative seizure (within the limit of user’s account balances);
  • 10% of the amount seized in the payment account (and €100 maximum) per administrative seizure;
  • €30 Inactivity Fee, within the limit of user’s account balances  (read article 6 of the T&Cs);
  • other fees may apply if you do not have a "reasonable" use (cf. article 14 of the T&Cs).

Limits

Number of transactions /month (1)
Lydia
20
Lydia Blue
Unlimited
Lydia Black
Unlimited
Billed 1.5% above
Number of ATM withdrawals /month
Lydia
0
Lydia Blue
3
Lydia Black
5
Billed 1.5% above
Amount withdrawable from the ATM /month
Lydia
€0
Lydia Blue
€250
Lydia Black
€1000
Billed 1.5% above
Cash-out  /month(1)
Lydia
€1 000
Lydia Blue
€5 000
Lydia Black
€N/A
Billed 1.5% above
Sum of outgoing bank transfers/month (1)
Lydia
€500
Lydia Blue
N/A
Lydia Black
N/A
Billed 1.5% above
Number of plastic Lydia cards
Lydia
1
Lydia Blue
1
Lydia Black
2
Number of Internet cards /month (2)
Lydia
3 created and 1 active
Lydia Blue
20 created and 5 active
Lydia Black
20 created and 10 active
Billed €0.50 by Internet card creation above
Number of credit cards registered on Lydia (excl. Lydia cards)
Lydia
2
Lydia Blue
10
Lydia Black
10
Number of business credit cards registered on Lydia
Lydia
0
Lydia Blue
0
Lydia Black
2
Top-up by card /month
Lydia
3 for a total of €200
Lydia Blue
3 for a total of €200
Lydia Black
3 for a total of €400
Billed 2.5% above
Number of payment source changes after payment with a bank card / month (excl. Lydia cards)
Lydia 
1
Lydia Blue
5
Lydia Black
5
Billed 2.5% above
(1) All outgoing payments, wires, top-up, money transfers, done with the Lydia app, the Lydia IBAN or Lydia cards.
(2) When the maximum number of active cards is reached only ephemeral cards can be created and will be charged €0.5.
Fees are billed with a minimum of €0.10. ATM fees are billed with a minimum of €1. 
A user can only be billed once when they exceed multiple limits on a single transaction.
If multiple limits are reached on a single transaction, the fees charged will be the highest of any potentially applicable fees.
Only what exceeds the limit is charged.
Unverified users have additional or more restrictive limits:
  • Maximum amount stored on a Lydia payment account within 30 days: €150;
  • Maximum amount sent with a Lydia payment account within 30 days: €150.
Security and compliance limits may also be implemented to prevent abuse and/or illegal use of the Lydia Services.