Pricing & Limits

This new pricing and fair limits will be applicable to every user starting September 30, 2020.
The previous version remains valid until then.

Pricing

Lydia Free Lydia Premium
Monthly Subscription
€0
€2.99
Lydia plastic card order
€5
€5
Money pot created from the app
2.9%
0%
Other fees:
  • Money collected through Cagnotte.me money pot service is charged 2.9%, regardless of user’s subscription;
  • €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;
  • €30 Inactivity Fee, within the limit of user’s account balances  (read article 6 of the T&Cs);
  • €99 per seizure incident ordered by a bailiff (within the limit of user’s account balances);
  • 10% of the amount seized in the payment account (and €100 maximum) per administrative seizure;
  • other fees may apply if you do not have a "reasonable" use (cf. article 14 of the T&Cs).

Limits

Lydia Free Lydia Premium
Number of transactions (1) /month
20
Unlimited
billed 1% above
Number of ATM withdrawals /month
1
3
billed 1% above
Amount withdrawable from the ATM /month
€250
€500
billed 1% above
Sum cash-out  /month (1)
€1 000
€5 000
billed 1% above
Number of Lydia plastic cards
1
2
Number of Internet cards /month (2)
3 created and 1 active
20 created and 5 active
billed 0.5 by Internet card creation above
Number of devices with a Lydia digitized card
1
1
Top-up by card /month
3 for a total of €200
3 for a total of €200
billed 1% above
Number of payment source changes after payment with a bank card /month
1
5
billed 1% above
(1) All payments, wires, top-up, money transfers, except money pots which have been already charged for.
(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: €250;
  • Maximum amount sent with a Lydia payment account within 30 days: €250.

Pricing

Price
Lydia Free
€0
Lydia Premium
€2.99
Lydia plastic card order
Lydia Free
€5
Lydia Premium
€5
Money pot created from the app
Lydia Free
2.9%
Lydia Premium
0%
Other fees:
  • Money collected through Cagnotte.me money pot service is charged 2.9%, regardless of user’s subscription;
  • €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;
  • €30 Inactivity Fee, within the limit of user’s account balances  (read article 6 of the T&Cs);
  • €99 per seizure incident ordered by a bailiff (within the limit of user’s account balances);
  • 10% of the amount seized in the payment account (and €100 maximum) per administrative seizure;
  • 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 Free
20
Lydia Premium
Unlimited
Billed 1% above
Number of ATM withdrawals /month
Lydia Free
1
Lydia Premium
3
Billed 1% above
Amount withdrawable from the ATM /month
Lydia Free
€250
Lydia Premium
€500
Billed 1% above
Cash-in /month (1)
Lydia Free
€1 000
Lydia Premium
€5 000
Billed 1% above
Cash-out  /month(1)
Lydia Free
€1 000
Lydia Premium
€5 000
Billed 1% above
Number of plastic Lydia cards
Lydia Free
1
Lydia Premium
2
Number of Internet cards /month (2)
Lydia Free
3 created and 1 active
Lydia Premium
20 created and 5 active
Billed €0,5 by Internet card creation above
Number of devices with a Lydia digitized card
Lydia Free
1
Lydia Premium
1
Top-up by card /month
Lydia Free
3 for a total of €200
Lydia Premium
3 for a total of €200
Billed 1% above
Number of payment source changes after payment with a bank card /month
Lydia Free
1
Lydia Premium
5
Billed 1% above
(1) All payments, wires, top-up, money transfers, except money pots which have been already charged for.
(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: €250;
  • Maximum amount sent with a Lydia payment account within 30 days: €250.