Pricing and Limits Annex

Reasonable fees and fair limits for all

Pricing and limits in effect as of April 2, 2024 (pricing conditions applicable prior to that date are detailed here).

Price

Standard Lydia+ Lydia Green+ Lydia Black+

Monthly subscription

€0
€4.90
€7.90
€9.90

By subscribing to an yearly plan, customers benefit from an immediate discount equivalent to two months’ subscription for their commitment.

Monthly subscription: Customers aged between 18 and 25 can subscribe to Lydia+ for €2/month and Lydia Green+ for €3/month.

Physical card

1 for free (then €5 per additionnal card)
Available with Standard
1 for free (then €5 per additionnal card)
1 for free (then €9 per additionnal card)

Instant bank transfer (incoming and outgoing)

Free
Free
Free
Free
All fees and contributions in this Appendix are invoiced and debited by Lydia Solutions (as applicable) directly from the Customer's electronic money Account and/or Payment Account, in application of the contractual conditions of the offers and services subscribed by the Customer.

Incident fees:
- Beyond 2 rejected direct debits per month, each additional rejection is charged €5
- Beyond 5 rejected Lydia card payments per month, each additional rejection is charged €0.50

Other exceptional fees:
- 2.5% commission - regardless of the user’s plan - on funds collected via card payment request forms
- €30 handling fee per disputed Lydia Card transaction, beyond 10 request per year
- €20 handling fee per unpaid credit card transaction
- €99 handling fee in case of irregular use of Lydia Services which contravenes to T&Cs
- €100 fee per account attachment (within the limit of balances available on all user-held accounts)
- 10% of the amount owed to the Trésor Public (National Treasury), up to €100 per administrative operation (within the limit of available balances on all user-held accounts)
- Up to €30 per year, if the account remains inactive for 12 consecutive months, under the Eckert law (within the limit of available balances on all user-held accounts).
No more than 4 physical cards can be ordered in a given month.

Price

Monthly subscription

Standard
€0
Lydia+
€4.90
Lydia Green+
€7.90
Lydia Black+
€9.90

By subscribing to an yearly plan, customers benefit from an immediate discount equivalent to two months’ subscription for their commitment.

Monthly subscription: Customers aged between 18 and 25 can subscribe to Lydia+ for €2/month and Lydia Green+ for €3/month.

Physical card

Standard
1 for free (then €5 per additionnal card)
Lydia+
Available with Standard
Lydia Green+
1 for free (then €5 per additionnal card)
Lydia Black+
1 for free (then €9 per additionnal card)

Instant bank transfer (incoming and outgoing)

Standard
Free
Lydia+
Free
Lydia Green+
Free
Lydia Black+
Free
All fees and contributions in this Appendix are invoiced and debited by Lydia Solutions (as applicable) directly from the Customer's electronic money Account and/or Payment Account, in application of the contractual conditions of the offers and services subscribed by the Customer.

Incident fees:
- Beyond 2 rejected direct debits per month, each additional rejection is charged €5
- Beyond 5 rejected Lydia card payments per month, each additional rejection is charged €0.50

Other exceptional fees:
- 2.5% commission - regardless of the user’s plan - on funds collected via card payment request forms
- €30 handling fee per disputed Lydia Card transaction, beyond 10 request per year
- €20 handling fee per unpaid credit card transaction
- €99 handling fee in case of irregular use of Lydia Services which contravenes to T&Cs
- €100 fee per account attachment (within the limit of balances available on all user-held accounts)
- 10% of the amount owed to the Trésor Public (National Treasury), up to €100 per administrative operation (within the limit of available balances on all user-held accounts)
- Up to €30 per year, if the account remains inactive for 12 consecutive months, under the Eckert law (within the limit of available balances on all user-held accounts).
No more than 4 physical cards can be ordered in a given month.

Limits

Standard Lydia+ Lydia Green+ Lydia Black+

Amount of account top-ups via bank card/month (1)

€200
€200
€200
€400

2.5% commission fee applied beyond these limits

Number of ATM withdrawals/month (2)

3
3
3
6

1.5% commission fee applied beyond these limits

Amount of ATM withdrawals/month (3)

€250
€250
€250
€1,000

1.5% commission fee applied beyond these limits

Amount of payments and withdrawals by card/month

€3,000
€3,000
€3,000
€25,000

Number of valid physical cards issued by Lydia Solutions

2
2
2
3

Number of created virtual card/month

20
20
20
20

€0.50 per card beyond these limits

Number of simultaneous multiple-use virtual cards

5
5
5
10
(1) A “card top-up” means an account credit whose source is an external bank card. Customers will not be allowed to make more than 50 card top-ups per month, for a total of €2,000.
(2) Customers will not be allowed to make more than 50 withdrawals from ATMs per month.
(3) Customers will not be allowed to withdraw more than €2,000 per month from the ATM for Standard, Lydia+ and Lydia Green+ Customers, and no more than €5,000 for Lydia Black+ Customers.

If a commission applies, it will be a minimum of €0.10, except for ATM withdrawals where the minimum is €1.
Only the operation or part that exceeds the limit is billed.
If a transaction exceeds several limits, only the limit generating the highest fees applies.

The Customer can register up to two bank cards in his user account in order to be able to use them more easily later.

Security and compliance limits may also be applied to prevent abusive and/or illegal use of Lydia Solutions services.

Clients whose identity has not been verified are subject to the limits provided for in Article R. 561-14-1-1 of the Monetary and Financial Code, or at any time additional or more restrictive limits that may be applied by Lydia Solutions.

To benefit from more freedom of transactions with Lydia Solutions, simply verify your identity here.

Limits

Amount of account top-ups via bank card/month (1)

Standard
€200
Lydia+
€200
Lydia Green+
€200
Lydia Black+
€400

2.5% commission fee applied beyond these limits

Number of ATM withdrawals/month (2)

Standard
3
Lydia+
3
Lydia Green+
3
Lydia Black+
6

1.5% commission fee applied beyond these limits

Amount of ATM withdrawals/month (3)

Standard
€250
Lydia+
€250
Lydia Green+
€250
Lydia Black+
€1,000

1.5% commission fee applied beyond these limits

Amount of payments and withdrawals by card/month

Standard
€3,000
Lydia+
€3,000
Lydia Green+
€3,000
Lydia Black+
€25,000

Number of valid physical cards issued by Lydia Solutions

Standard
2
Lydia+
2
Lydia Green+
2
Lydia Black+
3

Number of created virtual card/month

Standard
20
Lydia+
20
Lydia Green+
20
Lydia Black+
20

€0.50 per card beyond these limits

Number of simultaneous multiple-use virtual cards

Standard
5
Lydia+
5
Lydia Green+
5
Lydia Black+
10
(1) A “card top-up” means an account credit whose source is an external bank card. Customers will not be allowed to make more than 50 card top-ups per month, for a total of €2,000.
(2) Customers will not be allowed to make more than 50 withdrawals from ATMs per month.
(3) Customers will not be allowed to withdraw more than €2,000 per month from the ATM for Standard, Lydia+ and Lydia Green+ Customers, and no more than €5,000 for Lydia Black+ Customers.

If a commission applies, it will be a minimum of €0.10, except for ATM withdrawals where the minimum is €1.
Only the operation or part that exceeds the limit is billed.
If a transaction exceeds several limits, only the limit generating the highest fees applies.

The Customer can register up to two bank cards in his user account in order to be able to use them more easily later.

Security and compliance limits may also be applied to prevent abusive and/or illegal use of Lydia Solutions services.

Clients whose identity has not been verified are subject to the limits provided for in Article R. 561-14-1-1 of the Monetary and Financial Code, or at any time additional or more restrictive limits that may be applied by Lydia Solutions.

To benefit from more freedom of transactions with Lydia Solutions, simply verify your identity here.

Feature availability

Standard Lydia+ Lydia Green+ Lydia Black+

Phone appointment

Not available
Not available
Available
Available

Insurance and assistance

Not available
Not available
Not available
Available

Concierge service

Not available
Not available
Not available
Available

Budget managing and monitoring (4)

Not available
Available
Available
Available

Gift cards

Not available
Available
Available
Available
(4) Features including: budget envelopes, weekly and monthly expenses widget, lock and home screen widget, ability to attach receipts to transactions.

Feature availability

Phone appointment

Standard
Not available
Lydia+
Not available
Lydia Green+
Available
Lydia Black+
Available

Insurance and assistance

Standard
Not available
Lydia+
Not available
Lydia Green+
Not available
Lydia Black+
Available

Concierge service

Standard
Not available
Lydia+
Not available
Lydia Green+
Not available
Lydia Black+
Available

Budget managing and monitoring (4)

Standard
Not available
Lydia+
Available
Lydia Green+
Available
Lydia Black+
Available

Gift cards

Standard
Not available
Lydia+
Available
Lydia Green+
Available
Lydia Black+
Available
(4) Features including: budget envelopes, weekly and monthly expenses widget, lock and home screen widget, ability to attach receipts to transactions.

The French version of these rules prevails over the English version.