Pricing & limits

Everything you need to know about current limits to the use of Lydia will be referenced inside that page.

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Lydia app

£
  Lydia Free account Verified Lydia Free account Premium account Verified Premium account
Maximum amount that can be received on your Lydia account over a 365 days period
€2,500
£2,000
€50,000
£40,000
€2,500
£2,000
€50,000
£40,000
Maximum aggregated amount held by Lydia
€250
£200
€15,000
£12,000
€250
£200
€15,000
£12,000
Maximum amount spent using a Lydia balance over a 30 days period
€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 30 days period
€250
£200
€10,000
£8,000
€250
£200
€10,000
£8,000
Maximum amount that can be sent to an individual using a bank card saved on Lydia over a 30 days period
€250
£200
Maximum number of transfers from a bank account linked to Lydia to another one that does not belong to the same user
10 / month
50 / month
€0.20 per transfer beyond
Maximum number of transfers from a Lydia account to a bank account that does not belong to the same user
0
1 / month
0
50 / month
€0.20 per transfer beyond
Maximum number of cards that can be saved on Lydia
2
Unlimited
Types of cards that can be saved on Lydia
Personal cards
Personal and business cards
Monthly limit to the "Change payment source" feature
3 / month
10 / day
100 / month
limited to 1 per payment
Maximum amount that can be topped up to a Lydia account, using a bank card, over a 30 days period
€100
£100
€200
£200
€400
£400
Maximum number of top-ups to a Lydia account, using a bank card, over a 30 days period
3
5
Lydia account URL and online page
0
Unlimited
Unless otherwise stated, transactions will automatically be blocked when limits are reached.
Every verified user can perform unlimited transfers from their Lydia account to their bank account.
  • Users can link a maximum of 20 bank accounts to Lydia.
  • Lydia Free users can make a maximum of 100 transfers from their Lydia account to their own bank account, within the limit of 3 different bank accounts used per year.
  • Lydia Premium users can make a maximum of 100 transfers from their Lydia account to their own bank account, within the limit of 100 different bank accounts used per year.

Lydia cards

£
To let anyone take advantage of a perfect payment card, Lydia cards have certain usage and security limits which are listed in the table below. To let you keep on using your Lydia card beyond those limits, exceptionally, certain features won't be blocked but billed at a fair price.
Usage limit for all Lydia cards (Physical card, Internet card, contactless mobile payment)
  Free account Premium account
Payments
10 payments/month, for a maximum amount of €300
100 payments/month, for a maximum amount of €2,000/day or €3,000/week
Payments are blocked beyond this limit
Withdrawals
1 withdrawal/month, for a maximum amount of €300
10 withdrawals/month, for a maximum amount of €500 / month
Withdrawals are blocked beyond this limit 2% fees (€1 minimum) beyond this limit
Internet card creation
1 card / month
20 cards / month
€0.40 / created card beyond this limit, within 40 cards created / month maximum
Number of active Internet cards
1 card
30 cards
Card creation blocked beyond this limit
Number of physical Lydia card
5 cards
Note 1: It is necessary to have a verified account to get a Lydia physical card or Internet card.
Note 2: Businesses and ATMs accepting the card are shown on Mastercard's website.
Note 3: Lydia users are limited to 5 payment rejections per month for the following reasons: "deactivated card" or "insufficient funds". Beyond this limit, every rejection will be billed €/£0.20.
Note 4: users can block a maximum of 10 transactions per year. Every transaction blocked will cost users €/£30 beyond that limit.

Cagnotte.me

£
Maximum amount per contribution
€1,000
£800
Number of active money pots per user
5
Important: If a money pot owner is the only contributor, they will have to wait for a month from their first participation before being able to withdraw the amount collected.
Those limits are valid only if accepted by the emitter's bank. Accepted bank cards include VISA cards, Mastercard cards and card Bleue (CB) cards issued in the following countries: Germany, Austria, Belgium, Canada, Croatia, Denmark, Spain, Finland, France, Greece, Ireland, Italy, Luxembourg, Malta, Monaco, Norway, Netherlands, Portugal, United Kingdom, Sweden.

Pricing

£
  Lydia Free Lydia Premium Cagnotte.me
Monthly fees
€0.00
€2.99
n.a.
Lydia Card
€5.00 per card ordered, for its creation and its delivery
n.a.
Lydia card fees abroad
0% fees on payments in every currency outside the eurozone. 0% fees on withdrawals in every currency outside the eurozone (2% fees beyond €500 withdrawn per rolling month).
n.a.
Other fees
€20 admin fees for unpaid or rejected transfers.
€99 fees for every Lydia Terms and Conditions violation or legal infringement.
Other fees may be applied if you don't have a "reasonable" use of Lydia app.
1.9% of the amount collected when withdrawing
Inactivity fees
€30 per year
n.a.
Note: Unless otherwise stated, transactions will automatically be blocked when limits are reached.
Users with a verified Lydia account can make unlimited transfers to their own bank accounts.

Lydia app

£
Maximum amount that can be received on your Lydia account over a 365 days period
Lydia account
€2,500
£2,000
Verified Lydia account
€50,000
£40,000
Lydia Premium
€2,500
£2,000
Verified Premium account
€50,000
£40,000
Maximum aggregated amount held by Lydia
Lydia account
€250
£200
Verified Lydia account
€15,000 €
£12,000
Lydia Premium
€250
£200
Verified Premium account
€15,000
£12,000
Maximum amount spent using a Lydia balance over a 30 days period
Lydia account
€250
£200
Verified Lydia account
€10,000
£8,000
Lydia Premium
€250
£200
Verified Premium account
€10,000
£8,000
Maximum amount that can be received on a Lydia account from a payment card over a 30 days period
Lydia account
€250
£200
Verified Lydia account
€10,000
£8,000
Lydia Premium
€250
£200
Verified Premium account
€10,000
£8,000
Maximum amount that can be sent to an individual using a bank card saved on Lydia over a 30 days period
Lydia account
€250
£200
Verified Lydia account
€250
£200
Lydia Premium
€250
£200
Verified Premium account
€250
£200
Maximum number of transfers from a bank account linked to Lydia to another one that does not belong to the same user
Lydia account
10 / month
Verified Lydia account
10 / month
Lydia Premium
50 / month
€0.20 per transfer beyond
Verified Premium account
50 / month
€0.20 per transfer beyond
Maximum number of transfers from a Lydia account to a bank account that does not belong to the same user
Lydia account
0
Verified Lydia account
1 / month
Lydia Premium
0
Verified Premium account
50 / month
€0.20 per transfer beyond
Maximum number of cards that can be saved on Lydia
Lydia account
2
Verified Lydia account
2
Lydia Premium
Unlimited
Verified Premium account
Unlimited
Types of cards that can be saved on Lydia
Lydia account
Personal cards
Verified Lydia account
Personal cards
Lydia Premium
Personal and business cards
Verified Premium account
Personal and business cards
Limited to 1 per payment
Monthly limit to the "Change payment source" feature
Lydia account
3 / month
Verified Lydia account
3 / month
Lydia Premium
10 / day
100 / month
Verified Premium account
10 / day
100 / month
Maximum amount that can be topped up to a Lydia account, using a card, over a 30 days period
Lydia account
100 €
100 £
Verified Lydia account
200 €
£200
Lydia Premium
400 €
400 £
Verified Premium account
400 €
400 £
Maximum number of top-ups to a Lydia account, using a card, over a 30 days period
Lydia account
3
Verified Lydia account
3
Lydia Premium
5
Verified Premium account
5
Lydia account URL
Lydia account
0
Verified Lydia account
0
Lydia Premium
Unlimited
Verified Premium account
Unlimited
Unless otherwise stated, transactions will automatically be blocked when limits are reached.
Every verified user can perform unlimited transfers from their Lydia account to their bank account.
  • Users can link a maximum of 20 bank accounts to Lydia.
  • Lydia Free users can make a maximum of 100 transfers from their Lydia account to their own bank account, within the limit of 3 different IBANs used per year.
  • Lydia Premium users can make a maximum of 100 transfers from their Lydia account to their own bank account, within the limit of 100 different IBANs used per year.

Lydia cards

£
To let anyone take advantage of a perfect payment card, Lydia cards have certain usage and security limits. They are listed in the table below. To let anyone keep on using their Lydia card beyond those limits, certain features won't be blocked but billed at a fair price.
Usage limit for all Lydia cards (Physical card, Internet card, contactless)
Payments
Free user
10 payments/month, for a maximum amount of €300
Premium user
100 payments/month, for a maximum amount of €2,000/day or €3,000/week
Payments are blocked beyond this limit
Withdrawals
Free user
1 withdrawal/month, for a maximum amount of €300
Withdrawals are blocked beyond this limit
Premium user
10 withdrawals/month, for a maximum amount of €500 / month
2% fees (€1 minimum) beyond this limit.
Internet card creation
Free user
1 card / month
Premium user
10 cards / month
€0.40 / card created beyond this limit, within 40 cards created / month maximum.
Number of Internet cards
Free user
1 card
Premium user
30 cards
Card creation blocked beyond this limit.
Number of physical Lydia cards
Free user
5
Premium user
5
Note 1: It is necessary to have a verified account to get a Lydia physical card or Internet card.
Note 2: Businesses and ATMs accepting the card are shown on Mastercard's website.
Note 3: Lydia users are limited to 5 payment rejections per month for the following reasons: "deactivated card" or "insufficient funds". Beyond this limit, every rejection will be billed €/£0.20.
Note 4: users can block a maximum of 10 transactions per year. Every transaction blocked will cost users €/£30 beyond that limit.

Cagnotte.me

£
Maximum amount per contribution
€1,000
£800
Number of active money pots per user
5
Important: If a money pot owner is the only contributor, they will be able to withdraw the amount collected after a month following their contribution.
Those limits are valid only if accepted by the emitter's bank. Accepted bank cards include VISA cards, Mastercard cards and Carte Bleue (CB) cards issued in the following countries: Germany, Austria, Belgium, Canada, Croatia, Denmark, Spain, Finland, France, Greece, Ireland, Italy, Luxembourg, Malta, Monaco, Norway, Netherlands, Portugal, United Kingdom, Sweden.

Pricing

£
Monthly fees
Lydia Free
€0.00
Lydia Premium
€2.99
Cagnotte
n.a.
Lydia card
Lydia Free
Lydia Premium
€5.00 per card, for its creation and its delivery
Cagnotte
n.a.
Lydia Mastercard exchange rates
Lydia Free
Lydia Premium
0% fees on payments in all currencies outside the eurozone.

0% fees on withdrawals in every currency outside the eurozone (2% fees beyond €500 withdrawn per rolling month).
Cagnotte
n.a.
Other fees
Lydia Free
Lydia Premium
€20 admin fees for unpaid or rejected transfers.
€30 inactivity fees per year.
€99 fees for every Lydia Terms and Conditions violation or legal infringement.
Other fees may be applied if you don't have a "reasonable" use of Lydia app.
Cagnotte
1.9% of the amount collected when withdrawing
Unless otherwise stated, transactions will automatically be blocked when limits are reached.