- Pay a friend
- Pay a business
- Receive money
- Withdraw to bank account
- Pay a business with credit card
- Pay a contact with credit card
- Contribute to the pot
- Use the pot with a partner of Lydia
100% free
Withdraw to bank account
Fees : 1,9%
Withdraw to Lydia account
Fees : 0,9%
Fully equipped Mastercard
10€
- Everywhere in the world*
- Withdrawal from any bank*
- Dedicated IBAN number
- Manage your payment limits and your PIN code
All yours for 3.99€/ month**
*In the Mastercard network.
**Under conditions of fair use, see tab limits.
Fees for handling a lost or stolen card, or a card swallowed by an ATM: 20€. Non-compliant usage of the card (uses or attempts that contravene the law and/or the Lydia card T&Cs): 99€
Lydia App
| Lydia app limits |
Restricted Lydia account* (EUR accounts/ GBP accounts) |
Verified Lydia account (EUR accounts/ GBP accounts) |
No Lydia account |
| Minimum amount for a transfer to a bank account | €1/£1** | €1/£1** | - |
| Payment to a professional (using your Lydia balance) | €250/£200 *** | €1,000/£800 *** | - |
| Payment to a professional (using your card) | €250/£200 *** | Card limit | Card limit |
| Payment to/ receiving payment from an individual (using your Lydia balance) | €250/£200 *** | €1,000/£800 *** | - |
| Payment to/ receiving payment from an individual (using your card) | €250/£200 *** | €1,000/ £800*** | Limit only applicable to the beneficiary |
*The payer or beneficiary has a restricted Lydia account.
** The value of transfers is calculated on an accumulated basis. Maximum total of accumulated transfers over 12 months = €2,500 or £2,000 for restricted accounts, and €30,000 or £25,000 for verified accounts. "Transfers" refer to the sum of transfers made from an individual's Lydia account to their bank account.
*** The value of operations is calculated on an accumulated basis. Maximum total of accumulated of payments over 12 months = €2,500 or £2,000 for restricted accounts, and €50,000 or £40,000 for verified accounts. The value means the sum of card payments made to and received from other individual users.
Lydia Card
Use of the Lydia Card is subject to security limits, as well as to a fair usage policy. The latter is in place so that we can offer a comprehensive and unlimited card to as many people as possible for as little as possible. The table below recaps the card and subscription limits. To avoid blocking cards that exceed these limits, once this ceiling is reached, we will charge a small fee for certain services.
| Lydia Card limits | Card usage limit | Beyond card usage limit |
| Maximum daily/ weekly payment total (in Euros) | €2,000 /€3,000 | N/A |
| Maximum daily/ weekly ATM withdrawal total (in Euros) | €1,000 /€2,000 | N/A |
| Number of payments (in Euros) | 100 payments/month | €0.20 per payment |
| Number of ATM withdrawals (in Euros) | 5 withdrawals/month | €1 per withdrawal |
| Number of cross-currency payments*** | 20 payments/year | 2% per payment |
| Number of cross-currency ATM withdrawals*** | 10 withdrawals/year | €1 + 2% per withdrawal |
***Card acceptance points and ATM locations are available on the Mastercard website. Mastercard executes and defines the rate of the conversion.
Other card limits
- Five declined payments per month: €0.20 beyond this.
- 10 blocked payments per year: €30 beyond this.
- Maximum annual Lydia account top-up limit: €50,000 per user.
Cagnotte
| Cagnotte limits |
Restricted Lydia account* |
Verified Lydia account |
No Lydia account |
| Minimum amount for a transfer to a bank account*** | €1 | €1 | - |
| Maximum amount per contribution | €250 ** | €1,000 ** | Limit only applicable to the beneficiary |
| Total number of Cagnottes that can be organised at any one time by the same user | 5 | 5 | - |
* The payer or beneficiary has a restricted Lydia account.
** The value of operations is calculated on an accumulated basis. Maximum total of accumulated of payments over 12 months = €2,500 for restricted accounts, and €50,000 for verified accounts. The value means the sum of payments made to and received from other individual users by card.
*** In the case of a Cagnotte, if the organiser is the only participant, the withdrawal of his contribution is only possible after a period of one month after the payment is made.
The limits in the Lydia App and Cagnotte tables above apply subject to acceptance by the sender’s bank.
Cards accepted: Visa/ Mastercard from the following countries: Austria, Belgium, Canada, Croatia, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Monaco, Norway, Netherlands, Portugal, Spain, Sweden, UK.