Lydia App
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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) |
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Maximum amount that can be received on your Lydia account over a period of 365 days
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€2500 / £2000 |
€50 000 / £40 000 |
€2500 / £2000 |
€50 000 / £40 000 |
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Maximum accumulated total of funds held by Lydia |
€250 / £200 |
€15 000 / £12 000 |
€250 / £200 |
€15 000 / £12 000 |
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Maximum number of recurring payments (at any one time) |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
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Maximum number of banks connected to the Lydia app |
20 |
20 |
20 |
20 |
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Maximum number of Lydia accounts |
20 |
20 |
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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 |
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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 |
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Maximum total amount that can be sent to an individual with a card saved on the Lydia app |
€250 / £200 |
€500 / £400 |
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Transfer from a bank account to a Lydia account |
0 |
Unlimited |
0 |
Unlimited |
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Transfer from a Lydia account to a bank account belonging to the same user |
100/month (up to three different bank accounts per year) |
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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) |
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Transfer from a bank account to a bank account not belonging to the same user |
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Transfer from a Lydia account to a bank account not belonging to the same user |
0 |
0 |
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Maximum number of cards attached to a Lydia account |
2 |
Unlimited |
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Type of cards that can be attached to a Lydia account |
Personal cards |
Personal and business cards |
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Monthly limit for the "Change of payment source" feature |
3 |
Unlimited |
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Number of "Change of payment sources" possible per payment |
1 |
1 |
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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£ |
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| 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.
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Usage limit Lydia physical card |
Usage limit for all virtual cards |
Beyond |
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Maximum total of payments in Euros - daily/ weekly |
€2 000/€3 000 |
Blocked payments |
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Maximum total of ATM withdrawals in Euros - daily/ weekly |
€1 000/€2 000 |
n.a. |
Blocked ATM withdrawals |
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Number of payments in Euros |
100 payments/month (Lydia Premium users) 3 payments/month (Lydia standard users) |
€0.20 per payment |
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Number of ATM withdrawals in Euros |
5 withdrawals/month |
n.a. |
€1 per withdrawal |
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Number of refused payments* |
5 refused payments/month |
€0.20 per refused payment |
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Payment opposition |
10 oppositions/year |
€30 per opposition |
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Virtual card creation |
n.a. |
10 cards per month |
€0.20 per card generated |
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Number of virtual cards active |
n.a. |
30 cards (Lydia Premium users) 1 card (Lydia standard users) |
Next cards will be blocked |
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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 |
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| Maximum amount per contribution | €1 000 / £800 |
| Number of money pots that can be createad by the same users at any one time | 5 |
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.
