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
€0
€4.90
€7.90
€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
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).
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).
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 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
20
20
20
20
€0.50 per card beyond these limits
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.

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.

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.

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.