Pricing & Limits

^*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).

(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.

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.

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.