Pricing & limits
Everything you need to know about current limits to the use of Lydia will be referenced inside that page.
Prices and limits after the 30th of September 2020 are available here.
Lydia app
€ £
| Read more about verified Lydia accounts | Lydia Free account | Verified Lydia Free account | Premium account | Verified Premium account | |||||
|---|---|---|---|---|---|---|---|---|---|
| Maximum amount that can be received on your Lydia account over a 365 days period |
€2,500
£2,000
|
€50,000
£40,000
|
€2,500
£2,000
|
€50,000
£40,000
|
|||||
| Maximum aggregated amount held by Lydia |
€250
£200
|
€15,000
£12,000
|
€250
£200
|
€15,000
£12,000
|
|||||
| Maximum amount spent using a Lydia balance over a 30 days period |
€250
£200
|
€10,000
£8,000
|
€250
£200
|
€10,000
£8,000
|
|||||
| Maximum amount that can be received on a Lydia account from a payment card over a 30 days period |
€250
£200
|
€10,000
£8,000
|
€250
£200
|
€10,000
£8,000
|
|||||
| Maximum amount that can be sent to an individual using a bank card saved on Lydia over a 30 days period |
€250
£200
|
||||||||
|
Maximum number of transfers from a bank account linked to Lydia to another one that does not belong to the same user
|
10 / month
|
50 / month
€0.20 per transfer beyond
|
|||||||
| Maximum number of transfers from a Lydia account to a bank account that does not belong to the same user |
0
|
1 / month
|
0
|
50 / month
€0.20 per transfer beyond
|
|||||
| Maximum number of cards that can be saved on Lydia |
2
|
Unlimited
|
|||||||
| Types of cards that can be saved on Lydia |
Personal cards
|
Personal and business cards
|
|||||||
| Monthly limit to the "Change payment source" feature |
|
||||||||
| Maximum amount that can be topped up to a Lydia account, using a bank card, over a 30 days period |
€100
£100
|
€200
£200
|
€400
£400
|
||||||
| Maximum number of top-ups to a Lydia account, using a bank card, over a 30 days period |
3
|
5
|
|||||||
| Lydia account URL and online page |
0
|
Unlimited
|
|||||||
Unless otherwise stated, transactions will automatically be blocked when limits are reached.
- Users can link a maximum of 20 bank accounts to Lydia.
- Lydia Free users can make a maximum of 100 transfers from their Lydia account to their own bank account, within the limit of 3 different bank accounts used per year.
- Lydia Premium users can make a maximum of 100 transfers from their Lydia account to their own bank account, within the limit of 100 different bank accounts used per year.
Lydia cards
€ £
To let anyone take advantage of a perfect payment card, Lydia cards have certain usage and security limits which are listed in the table below. To let you keep on using your Lydia card beyond those limits, exceptionally, certain features won't be blocked but billed at a fair price.
| Free account | Premium account | |||||
|---|---|---|---|---|---|---|
| Payments |
|
|||||
| Withdrawals |
|
|||||
| Internet card creation |
|
|||||
| Number of active Internet cards |
|
|||||
| Number of physical Lydia card |
5 cards
|
|||||
Note 1: It is necessary to have a verified account to get a Lydia physical card or Internet card.
Note 2: Businesses and ATMs accepting the card are shown on Mastercard/Visa's websites.
Note 3: Lydia users are limited to 5 payment rejections per month for the following reasons: "deactivated card" or "insufficient funds". Beyond this limit, every rejection will be billed €/£0.20.
Note 4: users can block a maximum of 10 transactions per year. Every transaction blocked will cost users €/£30 beyond that limit.
Note 2: Businesses and ATMs accepting the card are shown on Mastercard/Visa's websites.
Note 3: Lydia users are limited to 5 payment rejections per month for the following reasons: "deactivated card" or "insufficient funds". Beyond this limit, every rejection will be billed €/£0.20.
Note 4: users can block a maximum of 10 transactions per year. Every transaction blocked will cost users €/£30 beyond that limit.
Cagnotte.me
€ £
| Maximum amount per contribution |
€1,000
£800
|
|
| Number of active money pots per user |
5
|
|
Important: If a money pot owner is the only contributor, they will have to wait for a month from their first participation before being able to withdraw the amount collected.
Those limits are valid only if accepted by the emitter's bank. Accepted bank cards include VISA cards, Mastercard cards and card Bleue (CB) cards issued in the following countries: Germany, Austria, Belgium, Canada, Croatia, Denmark, Spain, Finland, France, Greece, Ireland, Italy, Luxembourg, Malta, Monaco, Norway, Netherlands, Portugal, United Kingdom, Sweden.
Pricing
€ £
| Lydia Free | Lydia Premium | Cagnotte.me | ||
|---|---|---|---|---|
| Monthly fees |
€0.00
|
€2.99
|
n.a.
|
|
| Lydia Card |
€5.00 per card ordered, for its creation and its delivery
|
n.a.
|
||
| Lydia card fees abroad |
0% fees on payments in every currency outside the eurozone. 0% fees on withdrawals in every currency outside the eurozone (2% fees beyond €500 withdrawn per rolling month).
|
n.a.
|
||
| Other fees |
€20 admin fees for unpaid or rejected transfers.
€99 fees for every Lydia Terms and Conditions violation or legal infringement. Other fees may be applied if you don't have a "reasonable" use of Lydia app. |
1.9% of the amount collected when withdrawing
|
||
| Inactivity fees |
€30 per year
|
n.a.
|
||
Note: Unless otherwise stated, transactions will automatically be blocked when limits are reached.
Users with a verified Lydia account can make unlimited transfers to their own bank accounts.
Lydia app
€ £
| Maximum amount that can be received on your Lydia account over a 365 days period | |
|---|---|
| Lydia account |
€2,500
£2,000
|
| Verified Lydia account |
€50,000
£40,000
|
| Lydia Premium |
€2,500
£2,000
|
| Verified Premium account |
€50,000
£40,000
|
| Maximum aggregated amount held by Lydia | |
|---|---|
| Lydia account |
€250
£200
|
| Verified Lydia account |
€15,000 €
£12,000
|
| Lydia Premium |
€250
£200
|
| Verified Premium account |
€15,000
£12,000
|
| Maximum amount spent using a Lydia balance over a 30 days period | |
|---|---|
| Lydia account |
€250
£200
|
| Verified Lydia account |
€10,000
£8,000
|
| Lydia Premium |
€250
£200
|
| Verified Premium account |
€10,000
£8,000
|
| Maximum amount that can be received on a Lydia account from a payment card over a 30 days period | |
|---|---|
| Lydia account |
€250
£200
|
| Verified Lydia account |
€10,000
£8,000
|
| Lydia Premium |
€250
£200
|
| Verified Premium account |
€10,000
£8,000
|
| Maximum amount that can be sent to an individual using a bank card saved on Lydia over a 30 days period | |
|---|---|
| Lydia account |
€250
£200
|
| Verified Lydia account |
€250
£200
|
| Lydia Premium |
€250
£200
|
| Verified Premium account |
€250
£200
|
| Maximum number of transfers from a bank account linked to Lydia to another one that does not belong to the same user | |
|---|---|
| Lydia account |
10 / month
|
| Verified Lydia account |
10 / month
|
| Lydia Premium |
50 / month
€0.20 per transfer beyond
|
| Verified Premium account |
50 / month
€0.20 per transfer beyond
|
| Maximum number of transfers from a Lydia account to a bank account that does not belong to the same user | |
|---|---|
| Lydia account |
0
|
| Verified Lydia account |
1 / month
|
| Lydia Premium |
0
|
| Verified Premium account |
50 / month
€0.20 per transfer beyond
|
| Maximum number of cards that can be saved on Lydia | |
|---|---|
| Lydia account |
2
|
| Verified Lydia account |
2
|
| Lydia Premium |
Unlimited
|
| Verified Premium account |
Unlimited
|
| Types of cards that can be saved on Lydia | |
|---|---|
| Lydia account |
Personal cards
|
| Verified Lydia account |
Personal cards
|
| Lydia Premium |
Personal and business cards
|
| Verified Premium account |
Personal and business cards
|
| Monthly limit to the "Change payment source" feature | |
|---|---|
| Lydia account |
3 / month
|
| Verified Lydia account |
3 / month
|
| Lydia Premium |
10 / day
100 / month |
| Verified Premium account |
10 / day
100 / month |
| Maximum amount that can be topped up to a Lydia account, using a card, over a 30 days period | |
|---|---|
| Lydia account |
100 €
100 £
|
| Verified Lydia account |
200 €
£200
|
| Lydia Premium |
400 €
400 £
|
| Verified Premium account |
400 €
400 £
|
| Maximum number of top-ups to a Lydia account, using a card, over a 30 days period | |
|---|---|
| Lydia account |
3
|
| Verified Lydia account |
3
|
| Lydia Premium |
5
|
| Verified Premium account |
5
|
| Lydia account URL | |
|---|---|
| Lydia account |
0
|
| Verified Lydia account |
0
|
| Lydia Premium |
Unlimited
|
| Verified Premium account |
Unlimited
|
Unless otherwise stated, transactions will automatically be blocked when limits are reached.
Every verified user can perform unlimited transfers from their Lydia account to their bank account.
- Users can link a maximum of 20 bank accounts to Lydia.
- Lydia Free users can make a maximum of 100 transfers from their Lydia account to their own bank account, within the limit of 3 different IBANs used per year.
- Lydia Premium users can make a maximum of 100 transfers from their Lydia account to their own bank account, within the limit of 100 different IBANs used per year.
Lydia cards
€ £
To let anyone take advantage of a perfect payment card, Lydia cards have certain usage and security limits. They are listed in the table below. To let anyone keep on using their Lydia card beyond those limits, certain features won't be blocked but billed at a fair price.
Usage limit for all Lydia cards (Physical card, Internet card, contactless)
| Payments | |
|---|---|
| Free user |
10 payments/month, for a maximum amount of €300
|
| Premium user |
100 payments/month, for a maximum amount of €2,000/day or €3,000/week
|
| Payments are blocked beyond this limit | |
| Withdrawals | |
|---|---|
| Free user |
1 withdrawal/month, for a maximum amount of €300
Withdrawals are blocked beyond this limit
|
| Premium user |
10 withdrawals/month, for a maximum amount of €500 / month
2% fees (€1 minimum) beyond this limit.
|
| Internet card creation | |
|---|---|
| Free user |
1 card / month
|
| Premium user |
10 cards / month
|
| €0.40 / card created beyond this limit, within 40 cards created / month maximum. | |
| Number of Internet cards | |
|---|---|
| Free user |
1 card
|
| Premium user |
30 cards
|
| Card creation blocked beyond this limit. | |
| Number of physical Lydia cards | |
|---|---|
| Free user |
5
|
| Premium user |
5
|
Note 1: It is necessary to have a verified account to get a Lydia physical card or Internet card.
Note 2: Businesses and ATMs accepting the card are shown on Mastercard/Visa's websites.
Note 3: Lydia users are limited to 5 payment rejections per month for the following reasons: "deactivated card" or "insufficient funds". Beyond this limit, every rejection will be billed €/£0.20.
Note 4: users can block a maximum of 10 transactions per year. Every transaction blocked will cost users €/£30 beyond that limit.
Cagnotte.me
€ £
| Maximum amount per contribution |
€1,000
£800
|
| Number of active money pots per user |
5
|
Important: If a money pot owner is the only contributor, they will be able to withdraw the amount collected after a month following their contribution.
Those limits are valid only if accepted by the emitter's bank. Accepted bank cards include VISA cards, Mastercard cards and Carte Bleue (CB) cards issued in the following countries: Germany, Austria, Belgium, Canada, Croatia, Denmark, Spain, Finland, France, Greece, Ireland, Italy, Luxembourg, Malta, Monaco, Norway, Netherlands, Portugal, United Kingdom, Sweden.
Pricing
€ £
| Monthly fees | |
|---|---|
| Lydia Free |
€0.00
|
| Lydia Premium |
€2.99
|
| Cagnotte |
n.a.
|
| Lydia card | |
|---|---|
|
Lydia Free
Lydia Premium
|
€5.00 per card, for its creation and its delivery
|
| Cagnotte |
n.a.
|
| Lydia cards exchange rates | |
|---|---|
|
Lydia Free
Lydia Premium
|
0% fees on payments in all currencies outside the eurozone.
0% fees on withdrawals in every currency outside the eurozone (2% fees beyond €500 withdrawn per rolling month). |
| Cagnotte |
n.a.
|
| Other fees | |
|---|---|
|
Lydia Free
Lydia Premium
|
€20 admin fees for unpaid or rejected transfers.
€30 inactivity fees per year.
€99 fees for every Lydia Terms and Conditions violation or legal infringement. Other fees may be applied if you don't have a "reasonable" use of Lydia app. |
| Cagnotte |
1.9% of the amount collected when withdrawing
|
Unless otherwise stated, transactions will automatically be blocked when limits are reached.
