Lydia App

 

 

Lydia account

Verified Lydia

account

 Lydia Premium subscription, without a verified account (French users only)

Lydia Premium subscription, with a verified account (French users only)

Maximum amount that can be received on your Lydia account over a period of 365 days

 

€2500 / £2000 

€50 000  / £40 000

€2500 / £2000

€50 000 / £40 000

Maximum accumulated total of funds held by Lydia

€250 / £200

€15 000 / £12 000

€250 / £200

€15 000 / £12 000

Maximum number of recurring payments (at any one time)

Unlimited

Unlimited

Unlimited

Unlimited

Maximum number of banks connected to the Lydia app

20

20

20

20

Maximum number of Lydia accounts

20

20

Maximum payment total with a Lydia balance over a period of 30 days

€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 period of 30 days

€250 / £200 

€10 000 / £8 000

€250 / £200

€10 000 / £8 000

Maximum total amount that can be sent to an individual with a card saved on the Lydia app

€250 / £200

€500 / £400

Transfer from a bank account to a Lydia account

0

Unlimited

0

Unlimited

Transfer from a Lydia account to a bank account belonging to the same user

100/month

(up to three different bank accounts per year) 

Transfer from a bank account to a bank account belonging to the same user

1 per month

1 per month

50 per month (€0.20 per transfer beyond this)

50 per month

(€0.20 per transfer beyond this)

Transfer from a bank account to a bank account not belonging to the same user

Transfer from a Lydia account to a bank account not belonging to the same user

0

0

Maximum number of cards attached to a Lydia account

2

Unlimited

Type of cards that can be attached to a Lydia account

Personal cards

Personal and business cards

Monthly limit for the "Change of payment source" feature

3

Unlimited

Number of "Change of payment sources" possible per payment

1

1

Maximum total amount that can be top-up on a Lydia account using a card, over a period of 30 days 

100€ / 100£

200€ / 200£

400€ / 400£

Number total that can be top-up on a Lydia account using a card, over a period of 30 days  3 5
Number of Lydia sub-account allowed Unlimited Unlimited
Number of participants to the same sub-account allowed Unlimited Unlimited
Lydia account URL / account 0 1

n.b. Unless otherwise specified, once the limits specified above have been reached, transactions will be blocked.
 

Lydia Card (French users only)

Usage of the Lydia card must adhere to security limits, as well as a principle of fair use in order to be able to offer an all-in-one and unlimited card to as many people as possible for as little as possible. The limits for the car and subscription are displayed below. To allow for an exceptional usage of the card for a limited period of time, certain uses that exceed the defined limits will not be blocked, but will incur a small cost.

 

Usage limit Lydia physical card

Usage limit for all virtual cards

Beyond

Maximum total of payments in Euros - daily/ weekly

€2 000/€3 000

Blocked payments

Maximum total of ATM withdrawals in Euros - daily/ weekly

€1 000/€2 000

n.a.

Blocked ATM withdrawals

Number of payments in Euros

100 payments/month (Lydia Premium users)

3 payments/month (Lydia standard users)

€0.20 per payment

Number of ATM withdrawals in Euros

5 withdrawals/month

n.a.

€1 per withdrawal

Number of refused payments*

5 refused payments/month

€0.20 per refused payment

Payment opposition

10 oppositions/year

€30 per opposition

Virtual card creation

n.a.

10 cards per month

€0.20 per card generated

Number of virtual cards active

n.a.

30 cards (Lydia Premium users)

1 card (Lydia standard users)

Next cards will be blocked

Number of physical cards

1 card for Lydia Premium users with the ”Physical Card” option

0 cards for other users

n.a.

€10 for each new order in the case of theft or loss**

 

 Note 1: ordering a physical or virtual card requires having a verified Lydia account

Note 2: The list of acceptance and ATM withdrawal locations is available on the Mastercard website

* Refusal for a card, disabled feature or insufficient funds

** When the physical card expires, a new physical card will be provided to the Lydia Premium user

 

Cagnotte.me (money pots)

 Cagnotte.me limits

 

Maximum amount per contribution €1 000 / £800 
Number of money pots that can be createad by the same users at any one time

n.b. In the case of a money pot where the organiser is the only contributor, the withdrawal of his/her contribution is only possible after a period of one month following this participation.

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The Lydia App and money pot limits are applicable subject to the acceptance of the emitter bank.

Payment cards accepted: Visa/Mastercard, from the following countries: Germany, Austria, Belgium, Canada, Croatia, Denmark, Spain, Finland, France, Greece, Ireland, Italy, Luxemburg, Malta, Monaco, Norway, Netherlands, Portugal, United Kingdom, Sweden.