Pricing & Limits
This new pricing and fair limits are applicable to new users from October 28st, 2021 (and from January 1st, 2022 to users who subscribed until October 28st, 2021).
Click here to read the previous version.
Pricing
Lydia | Lydia Blue | Lydia Black | ||
---|---|---|---|---|
Monthly Subscription |
€0
|
€4.90*
|
€7.90
|
|
Lydia plastic card |
€5
|
Free (then 5€)
|
Free (then 9€)
|
|
Instant outgoing transfer |
€1
|
Free
|
Free
|
*1€ for under 25 years old
Incident fees:
- Rejected bank transfers are changed €10;
- Beyond 2 rejected direct debits per month, each additional reject is charged €5;
- Beyond 5 Lydia card payments refused per month, each additional reject is charged €0.50.
Other fees:
- 2.9% commission, regardless of the user's subscription, on funds collected via the Cagnotte.me service;
- €30 per Lydia card chargeback event after the 10th incident within a year;
- €20 administration fees for each unpaid card payment;
- €99 per infringement to our T&Cs;
- €100 fees per seizure ordered by a bailiff (within the limit of user’s account balances);
- 10% of the amount owed to the Trésor Public up to a maximum of €100 per administrative seizure (within the limit of user’s account balances);
- 10% of the amount seized in the payment account (and €100 maximum) per administrative seizure;
- €30 Inactivity Fee, within the limit of user’s account balances;
- other fees may apply if you do not have a "reasonable" use (read article 14 of the T&Cs).
Limits
Lydia | Lydia Blue | Lydia Black | ||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Number of transactions (1) /month |
|
|||||||||||||||
Number of ATM withdrawals /month |
|
|||||||||||||||
Amount withdrawable from the ATM /month |
|
|||||||||||||||
Sum cash-out /month (1) |
|
|||||||||||||||
Sum of outgoing bank transfers/month (1) |
|
|||||||||||||||
Number of Lydia plastic cards |
1
|
1
|
2
|
|||||||||||||
Number of Internet cards /month (2) |
|
|||||||||||||||
Number of credit cards registered on Lydia (excl. Lydia cards) |
2
|
10
|
10
|
|||||||||||||
Number of business credit cards registered on Lydia |
0
|
0
|
2
|
|||||||||||||
Top-up by card /month |
|
|
||||||||||||||
Number of payment source changes after payment with a bank card / month (excl. Lydia cards) |
|
(1) All outgoing payments, wires, top-up, money transfers, done with the Lydia app, the Lydia IBAN or Lydia cards.
(2) When the maximum number of active cards is reached only ephemeral cards can be created and will be charged €0.5.
(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.
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: €150;
- Maximum amount sent with a Lydia payment account within 30 days: €150.
Security and compliance limits may also be implemented to prevent abuse and/or illegal use of the Lydia Services.
Pricing
Price | |
---|---|
Lydia |
€0
|
Lydia Blue |
€4.90***
|
Lydia Black |
€7.90
|
***1€ for under 25 years old
Lydia plastic card | |
---|---|
Lydia |
€5
|
Lydia Blue |
Free (then €5)
|
Lydia Black |
Free (then €9)
|
Instant outgoing transfer | |
---|---|
Lydia |
€1
|
Lydia Blue |
Free
|
Lydia Black |
Free
|
Other fees:
- 2.9% commission, regardless of the user's subscription, on funds collected via the Cagnotte.me service;
- €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;
- €100 fees per seizure ordered by a bailiff (within the limit of user’s account balances);
- 10% of the amount owed to the Trésor Public up to a maximum of €100 per administrative seizure (within the limit of user’s account balances);
- 10% of the amount seized in the payment account (and €100 maximum) per administrative seizure;
- €30 Inactivity Fee, within the limit of user’s account balances (read article 6 of the T&Cs);
- 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 |
20
|
Lydia Blue |
Unlimited
|
Lydia Black |
Unlimited
|
Billed 1.5% above |
Number of ATM withdrawals /month | |
---|---|
Lydia |
0
|
Lydia Blue |
3
|
Lydia Black |
5
|
Billed 1.5% above |
Amount withdrawable from the ATM /month | |
---|---|
Lydia |
€0
|
Lydia Blue |
€250
|
Lydia Black |
€1000
|
Billed 1.5% above |
Cash-out /month(1) | |
---|---|
Lydia |
€1 000
|
Lydia Blue |
€5 000
|
Lydia Black |
€N/A
|
Billed 1.5% above |
Sum of outgoing bank transfers/month (1) | |
---|---|
Lydia |
€500
|
Lydia Blue |
N/A
|
Lydia Black |
N/A
|
Billed 1.5% above |
Number of plastic Lydia cards | |
---|---|
Lydia |
1
|
Lydia Blue |
1
|
Lydia Black |
2
|
Number of Internet cards /month (2) | |
---|---|
Lydia |
3 created and 1 active
|
Lydia Blue |
20 created and 5 active
|
Lydia Black |
20 created and 10 active
|
Billed €0.50 by Internet card creation above |
Number of credit cards registered on Lydia (excl. Lydia cards) | |
---|---|
Lydia |
2
|
Lydia Blue |
10
|
Lydia Black |
10
|
Number of business credit cards registered on Lydia | |
---|---|
Lydia |
0
|
Lydia Blue |
0
|
Lydia Black |
2
|
Top-up by card /month | |
---|---|
Lydia |
3 for a total of €200
|
Lydia Blue |
3 for a total of €200
|
Lydia Black |
3 for a total of €400
|
Billed 2.5% above |
Number of payment source changes after payment with a bank card / month (excl. Lydia cards) | |
---|---|
Lydia |
1
|
Lydia Blue |
5
|
Lydia Black |
5
|
Billed 2.5% above |
(1) All outgoing payments, wires, top-up, money transfers, done with the Lydia app, the Lydia IBAN or Lydia cards.
(2) When the maximum number of active cards is reached only ephemeral cards can be created and will be charged €0.5.
(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.
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: €150;
- Maximum amount sent with a Lydia payment account within 30 days: €150.
Security and compliance limits may also be implemented to prevent abuse and/or illegal use of the Lydia Services.