Pricing & Limits
Reasonable fees and fair limits for all
Pricing and limits in effect as of April 11, 2023 (pricing conditions applicable prior to that date are detailed here).
Price
Standard | Lydia+ | Lydia Green+ | Lydia Black+ | |||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|
Monthly subscription |
|
|||||||||||
Lydia physical card |
1 for free (then €5 per additionnal card)
|
Available with Lydia 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
|
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 attachement (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)
- 2.9% commission - regardless of the user's plan - on funds collected via the Cagnotte.me service (service now closed)
Other charges may apply in the event of abnormal use (see article 14 of the T&Cs).
- 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 attachement (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)
- 2.9% commission - regardless of the user's plan - on funds collected via the Cagnotte.me service (service now closed)
Other charges may apply in the event of abnormal use (see article 14 of the T&Cs).
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
|
Users under 25 years old can enjoy Lydia+ for €2/month and Lydia Green+ for €3/month. Annual subscriptions come with a 2 months worth discount. |
Lydia physical card | |
---|---|
Standard |
1 for free (then €5 per additionnal card)
|
Lydia+ |
Available with Lydia 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
|
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 attachement (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)
- 2.9% commission - regardless of the user's plan - on funds collected via the Cagnotte.me service (service now closed)
Other charges may apply in the event of abnormal use (see article 14 of the T&Cs).
- 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 attachement (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)
- 2.9% commission - regardless of the user's plan - on funds collected via the Cagnotte.me service (service now closed)
Other charges may apply in the event of abnormal use (see article 14 of the T&Cs).
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) |
|
|||||||||||
Number of ATM withdrawals/month (2) |
|
|||||||||||
Amount of ATM withdrawals/month (3) |
|
|||||||||||
Amount of payments and withdrawals with Lydia cards/month |
€3,000
|
€3,000
|
€3,000
|
€25,000
|
||||||||
Number of valid physical Lydia cards |
2
|
2
|
2
|
3
|
||||||||
Number of created virtual card/month |
|
|||||||||||
Number of simultaneous multiple-use virtual cards |
5
|
5
|
5
|
10
|
||||||||
Number of external bank cards registered on Lydia to top up Lydia accounts |
2
|
2
|
2
|
2
|
||||||||
Number of business cards registered on Lydia to top up Lydia accounts |
0
|
0
|
0
|
2
|
(1) "Top-ups via bank card" refer to topping up an account or a money pot using a linked external bank card. Max. 50 bank card top-ups (or €2,000) per month
(2) Max. 50 ATM withdrawals per month.
(3) Max. €2,000 worth of ATM withdrawals per month for Standard, Lydia+, and Lydia Green+ users. €5,000 for Lydia Black+ users.
Wherever fees apply, the minimum amount is €0.10, except for ATM withdrawals for which minimum fee is €1.
Only the transaction or the part that exceeds the limit is charged.
If a transaction exceeds multiple limits, only the limit with the highest fee applies.
User who have not verified their identity may be subject to additional or tighter limits. As such, Lydia is required to verify the user's identity if one of the following conditions is fulfilled:
- Maximum amount of money received on a Lydia account over 30 consecutive days: €150
- Maximum amount of payments made with a Lydia account over 30 consecutive days: €150
- Cumulative amount of money received on the Lydia account since its creation: €1,000
- Maximum purchase amount (good or service): €50
- Maximum outgoing transfer: €50
- Cumulative amount of outgoing transfers since the creation of the Lydia account: €150
- Lydia account opened more than 12 months ago.
To make transactions more freely with Lydia, simply verify your identity here.
Security and compliance limits may also be implemented to prevent misuse and/or illegal use of the Lydia Services.
(2) Max. 50 ATM withdrawals per month.
(3) Max. €2,000 worth of ATM withdrawals per month for Standard, Lydia+, and Lydia Green+ users. €5,000 for Lydia Black+ users.
Wherever fees apply, the minimum amount is €0.10, except for ATM withdrawals for which minimum fee is €1.
Only the transaction or the part that exceeds the limit is charged.
If a transaction exceeds multiple limits, only the limit with the highest fee applies.
User who have not verified their identity may be subject to additional or tighter limits. As such, Lydia is required to verify the user's identity if one of the following conditions is fulfilled:
- Maximum amount of money received on a Lydia account over 30 consecutive days: €150
- Maximum amount of payments made with a Lydia account over 30 consecutive days: €150
- Cumulative amount of money received on the Lydia account since its creation: €1,000
- Maximum purchase amount (good or service): €50
- Maximum outgoing transfer: €50
- Cumulative amount of outgoing transfers since the creation of the Lydia account: €150
- Lydia account opened more than 12 months ago.
To make transactions more freely with Lydia, simply verify your identity here.
Security and compliance limits may also be implemented to prevent misuse and/or illegal use of the Lydia Services.
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 with Lydia cards/month | |
---|---|
Standard |
€3,000
|
Lydia+ |
€3,000
|
Lydia Green+ |
€3,000
|
Lydia Black+ |
€25,000
|
Number of valid physical Lydia cards | |
---|---|
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
|
Number of external bank cards registered on Lydia to top up Lydia accounts | |
---|---|
Standard |
2
|
Lydia+ |
2
|
Lydia Green+ |
2
|
Lydia Black+ |
2
|
Number of business cards registered on Lydia to top up Lydia accounts | |
---|---|
Standard |
0
|
Lydia+ |
0
|
Lydia Green+ |
0
|
Lydia Black+ |
2
|
(1) "Top-ups via bank card" refer to topping up an account or a money pot using a linked external bank card. Max. 50 bank card top-ups (or €2,000) per month
(2) Max. 50 ATM withdrawals per month.
(3) Max. €2,000 worth of ATM withdrawals per month for Standard, Lydia+, and Lydia Green+ users. €5,000 for Lydia Black+ users.
Wherever fees apply, the minimum amount is €0.10, except for ATM withdrawals for which minimum fee is €1.
Only the transaction or the part that exceeds the limit is charged.
If a transaction exceeds multiple limits, only the limit with the highest fee applies.
User who have not verified their identity may be subject to additional or tighter limits. As such, Lydia is required to verify the user's identity if one of the following conditions is fulfilled:
- Maximum amount of money received on a Lydia account over 30 consecutive days: €150
- Maximum amount of payments made with a Lydia account over 30 consecutive days: €150
- Cumulative amount of money received on the Lydia account since its creation: €1,000
- Maximum purchase amount (good or service): €50
- Maximum outgoing transfer: €50
- Cumulative amount of outgoing transfers since the creation of the Lydia account: €150
- Lydia account opened more than 12 months ago.
To make transactions more freely with Lydia, simply verify your identity here.
Security and compliance limits may also be implemented to prevent misuse and/or illegal use of the Lydia Services.
(2) Max. 50 ATM withdrawals per month.
(3) Max. €2,000 worth of ATM withdrawals per month for Standard, Lydia+, and Lydia Green+ users. €5,000 for Lydia Black+ users.
Wherever fees apply, the minimum amount is €0.10, except for ATM withdrawals for which minimum fee is €1.
Only the transaction or the part that exceeds the limit is charged.
If a transaction exceeds multiple limits, only the limit with the highest fee applies.
User who have not verified their identity may be subject to additional or tighter limits. As such, Lydia is required to verify the user's identity if one of the following conditions is fulfilled:
- Maximum amount of money received on a Lydia account over 30 consecutive days: €150
- Maximum amount of payments made with a Lydia account over 30 consecutive days: €150
- Cumulative amount of money received on the Lydia account since its creation: €1,000
- Maximum purchase amount (good or service): €50
- Maximum outgoing transfer: €50
- Cumulative amount of outgoing transfers since the creation of the Lydia account: €150
- Lydia account opened more than 12 months ago.
To make transactions more freely with Lydia, simply verify your identity here.
Security and compliance limits may also be implemented to prevent misuse and/or illegal use of the Lydia Services.
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
|
Trading |
Not available
|
Available
|
Available
|
Available
|
Savings account |
Not available
|
Available
|
Available
|
Available
|
Instant express loans |
One instant express loan per year
|
Available
|
Available
|
Available
|
Revolving credit |
Not available
|
Available
|
Available
|
Available
|
Budget managing and monitoring (4) |
Not available
|
Available
|
Available
|
Available
|
Cashback |
Not available
|
Available
|
Available
|
Available
|
Scratch cards |
Not available
|
Available
|
Available
|
Available
|
Source of payment changing, even after paying |
Not available
|
Available
|
Available
|
Available
|
Gift cards and Loyalty cards |
Not available
|
Available
|
Available
|
Available
|
Advanced app customization (5) |
Not available
|
Available
|
Available
|
Available
|
(4) Features including but not limited to: envelopes for budgets, weekly and monthly spending widget, device lock screen and home screen widgets, adding receipts to transactions.
(5) Features including but not limited to: custom app icon, Lydia card customization.
(5) Features including but not limited to: custom app icon, Lydia card customization.
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
|
Trading | |
---|---|
Standard |
Not available
|
Lydia+ |
Available
|
Lydia Green+ |
Available
|
Lydia Black+ |
Available
|
Savings account | |
---|---|
Standard |
Not available
|
Lydia+ |
Available
|
Lydia Green+ |
Available
|
Lydia Black+ |
Available
|
Instant express loans | |
---|---|
Standard |
One instant express loan per year
|
Lydia+ |
Available
|
Lydia Green+ |
Available
|
Lydia Black+ |
Available
|
Revolving credit | |
---|---|
Standard |
Not available
|
Lydia+ |
Available
|
Lydia Green+ |
Available
|
Lydia Black+ |
Available
|
Budget managing and monitoring (4) | |
---|---|
Standard |
Not available
|
Lydia+ |
Available
|
Lydia Green+ |
Available
|
Lydia Black+ |
Available
|
Cashback | |
---|---|
Standard |
Not available
|
Lydia+ |
Available
|
Lydia Green+ |
Available
|
Lydia Black+ |
Available
|
Scratch cards | |
---|---|
Standard |
Not available
|
Lydia+ |
Available
|
Lydia Green+ |
Available
|
Lydia Black+ |
Available
|
Source of payment changing, even after paying | |
---|---|
Standard |
Not available
|
Lydia+ |
Available
|
Lydia Green+ |
Available
|
Lydia Black+ |
Available
|
Gift cards and Loyalty cards | |
---|---|
Standard |
Not available
|
Lydia+ |
Available
|
Lydia Green+ |
Available
|
Lydia Black+ |
Available
|
Advanced app customization (5) | |
---|---|
Standard |
Not available
|
Lydia+ |
Available
|
Lydia Green+ |
Available
|
Lydia Black+ |
Available
|
(4) Features including but not limited to: envelopes for budgets, weekly and monthly spending widget, device lock screen and home screen widgets, adding receipts to transactions.
(5) Features including but not limited to: custom app icon, Lydia card customization.
(5) Features including but not limited to: custom app icon, Lydia card customization.