Pricing & Limits

Reasonable fees and fair limits for all

Pricing and limits in effect as of April 11th, 2023 (pricing conditions applicable prior to that date are detailed here).

Price

Lydia Standard Lydia+ Lydia Green+ Lydia Black+
Monthly subscription
0€
4.90€
7.90€
9.90€
User under 25 years old can get Lydia+ at 2€/month and Lydia Green+ at 3€/month; Annual subscriptions come with a 2 months discount.
Lydia physical card
1 Free (then 5€)
NA
1 Free (then 5€)
1 Free (then 9€)
Incident fees:
If more than 2 direct debits are rejected per month, each additional rejection is charged at €5.
For more than 5 rejected Lydia card payments per month, each additional rejection is charged at €0.50.

Other exceptional fees:
2.5% commission, regardless of the user’s subscription, on a payment received via a card form;
€30 handling fee per disputed Lydia Card transaction, beyond 10 oppositions over 12 months;
€20 handling fee for each unpaid credit card transaction;
€99 handling fee in case of irregular use of Lydia Services, in contradiction with the T&Cs;
€100 fee per seizure (within the limit of the balances available on all accounts held by the user);
10% of the amount due to the Public Treasury up to a maximum of €100 per administrative seizure by third parties (within the limit of the available balances on all the accounts held by the user);
€30 maximum fee per year, in case of Inactivity during 12 consecutive months in accordance with the Eckert law (within the limit of the available balances on all the accounts held by the user);
2.9% commission, regardless of the user's subscription, 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
Lydia Standard
0€
Lydia+
4.90€
Lydia Green+
7.90€
Lydia Black+
9.90€
User under 25 years old can get Lydia+ at 2€/month and Lydia Green+ at 3€/month; Annual subscriptions come with a 2 months discount.
Lydia physical card
Lydia Standard
1 Free (then 5€)
Lydia+
NA
Lydia Green+
1 Free (then 5€)
Lydia Black+
1 Free (then 9€)
Incident fees:
If more than 2 direct debits are rejected per month, each additional rejection is charged at €5.
For more than 5 rejected Lydia card payments per month, each additional rejection is charged at €0.50.

Other exceptional fees:
2.5% commission, regardless of the user’s subscription, on a payment received via a card form;
€30 handling fee per disputed Lydia Card transaction, beyond 10 oppositions over 12 months;
€20 handling fee for each unpaid credit card transaction;
€99 handling fee in case of irregular use of Lydia Services, in contradiction with the T&Cs;
€100 fee per seizure (within the limit of the balances available on all accounts held by the user);
10% of the amount due to the Public Treasury up to a maximum of €100 per administrative seizure by third parties (within the limit of the available balances on all the accounts held by the user);
€30 maximum fee per year, in case of Inactivity during 12 consecutive months in accordance with the Eckert law (within the limit of the available balances on all the accounts held by the user);
2.9% commission, regardless of the user's subscription, 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

Lydia Standard Lydia+ Lydia Green+ Lydia Black+
Amount of account top-ups per card/month (1)
200€
200€
200€
400€
Charged 2.5% above
Number of ATM withdrawals/month (2)
3
3
3
6
Charged 1.5% above
Amount of ATM withdrawals / month (3)
250€
250€
250€
1,000€
Charged 1.5% above
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 virtual card creations/month
20
20
20
20
Charged 0.5€ per card above
Number of not single-use virtual cards
5
5
5
10
Number of externals bank cards registered on Lydia to topup Lydia accounts
2
2
2
2
Number of business cards registered on Lydia to topup Lydia accounts
0
0
0
2
(1) An account top-up by card means a payment action where the payment is initiated from Lydia with an external card to credit a Lydia account or money pot. Users won’t be allowed to execute more than 50 card top-ups per month.
(2) Users won’t be allowed to execute more than 50 ATM withdrawals per month.
(3) Users won’t be allowed to withdraw more than 2,000€ per month at the ATM for Lydia Standard, Lydia+ and Lydia Green+ users, and no more than 5,000€ for Lydia Black+ users

If a fee applies, it will be a minimum of €0.10, except for withdrawals where the minimum is €1.
Only the transaction or the part that exceeds the limit is charged.
If a transaction exceeds more than one limit, only the limit with the highest fee applies.

Users whose identity has not been verified can be subject to additional or more restrictive limits. Lydia will have to verify the identity of the unverified user if one of the following conditions is met :
- Maximum amount of money received on a Lydia account over 30 consecutive days: €150;
- Maximum amount of payments issued with a Lydia account over 30 consecutive days: €150;
- Cumulative amount of money received on the Lydia account since its creation: €1000;
- Maximum amount of a purchase of goods or services: €50;
- Maximum amount of an outgoing transfer: €50;
- Cumulative amount of outgoing transfers since the creation of the Lydia account: €150;
- Creation of the Lydia account more than 12 months ago.

In order to enjoy more freedom of transactions 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 per card/month (1)
Lydia Standard
200€
Lydia+
200€
Lydia Green+
200€
Lydia Black+
400€
Charged 2.5% above
Number of ATM withdrawals/month (2)
Lydia Standard
3
Lydia+
3
Lydia Green+
3
Lydia Black+
6
Charged 1.5% above
Amount of ATM withdrawals / month (3)
Lydia Standard
250€
Lydia+
250€
Lydia Green+
250€
Lydia Black+
1,000€
Charged 1.5% above
Amount of payments and withdrawals with Lydia cards/month
Lydia Standard
3,000€
Lydia+
3,000€
Lydia Green+
3,000€
Lydia Black+
25,000€
Number of valid physical Lydia cards
Lydia Standard
2
Lydia+
2
Lydia Green+
2
Lydia Black+
3
Number of virtual card creations/month
Lydia Standard
20
Lydia+
20
Lydia Green+
20
Lydia Black+
20
Charged 0.5€ per card above
Number of not single-use virtual cards
Lydia Standard
5
Lydia+
5
Lydia Green+
5
Lydia Black+
10
Number of externals bank cards registered on Lydia to topup Lydia accounts
Lydia Standard
2
Lydia+
2
Lydia Green+
2
Lydia Black+
2
Number of business cards registered on Lydia to topup Lydia accounts
Lydia Standard
0
Lydia+
0
Lydia Green+
0
Lydia Black+
2
(1) An account top-up by card means a payment action where the payment is initiated from Lydia with an external card to credit a Lydia account or money pot. Users won’t be allowed to execute more than 50 card top-ups per month.
(2) Users won’t be allowed to execute more than 50 ATM withdrawals per month.
(3) Users won’t be allowed to withdraw more than 2,000€ per month at the ATM for Lydia Standard, Lydia+ and Lydia Green+ users, and no more than 5,000€ for Lydia Black+ users

If a fee applies, it will be a minimum of €0.10, except for withdrawals where the minimum is €1.
Only the transaction or the part that exceeds the limit is charged.
If a transaction exceeds more than one limit, only the limit with the highest fee applies.

Users whose identity has not been verified can be subject to additional or more restrictive limits. Lydia will have to verify the identity of the unverified user if one of the following conditions is met :
- Maximum amount of money received on a Lydia account over 30 consecutive days: €150;
- Maximum amount of payments issued with a Lydia account over 30 consecutive days: €150;
- Cumulative amount of money received on the Lydia account since its creation: €1000;
- Maximum amount of a purchase of goods or services: €50;
- Maximum amount of an outgoing transfer: €50;
- Cumulative amount of outgoing transfers since the creation of the Lydia account: €150;
- Creation of the Lydia account more than 12 months ago.

In order to enjoy more freedom of transactions 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.

Features access restrictions

Lydia Standard Lydia+ Lydia Green+ Lydia Black+
Phone appointment
Not available
Not available
Available
Available
Insurances and assistance
Not available
Not available
Not available
Available
Concierge service
Not available
Not available
Not available
Available
Trading
Not available
Available
Available
Available
Remunerated savings
Not available
Available
Available
Available
Instant express loans
One instant express loan per year only
Available
Available
Available
Credit line
Not available
Available
Available
Available
Budgeting features and monitoring (4)
Not available
Available
Available
Available
Cashback
Not available
Available
Available
Available
Scratching game
Not available
Available
Available
Available
Change debited account, post payment
Not available
Available
Available
Available
Gift cards and Loyalty cards
Not available
Available
Available
Available
App advanced customization (5)
Not available
Available
Available
Available
(4) Features including but not limited to: Envelopes account budgeting, weekly and monthly spending Profile widget, device OS lock screen and home screen widgets, invoice receipt attachments ;
(5) Features including but not limited to: app icon style, Lydia plastic card customization.

Features access restrictions

Phone appointment
Lydia Standard
Not available
Lydia+
Not available
Lydia Green+
Available
Lydia Black+
Available
Insurances and assistance
Lydia Standard
Not available
Lydia+
Not available
Lydia Green+
Not available
Lydia Black+
Available
Concierge service
Lydia Standard
Not available
Lydia+
Not available
Lydia Green+
Not available
Lydia Black+
Available
Trading
Lydia Standard
Not available
Lydia+
Available
Lydia Green+
Available
Lydia Black+
Available
Remunerated savings
Lydia Standard
Not available
Lydia+
Available
Lydia Green+
Available
Lydia Black+
Available
Instant express loans
Lydia Standard
One instant express loan per year only
Lydia+
Available
Lydia Green+
Available
Lydia Black+
Available
Credit line
Lydia Standard
Not available
Lydia+
Available
Lydia Green+
Available
Lydia Black+
Available
Budgeting features and monitoring (4)
Lydia Standard
Not available
Lydia+
Available
Lydia Green+
Available
Lydia Black+
Available
Cashback
Lydia Standard
Not available
Lydia+
Available
Lydia Green+
Available
Lydia Black+
Available
Scratching game
Lydia Standard
Not available
Lydia+
Available
Lydia Green+
Available
Lydia Black+
Available
Change debited account, post payment
Lydia Standard
Not available
Lydia+
Available
Lydia Green+
Available
Lydia Black+
Available
Gift cards and Loyalty cards
Lydia Standard
Not available
Lydia+
Available
Lydia Green+
Available
Lydia Black+
Available
App advanced customization (5)
Lydia Standard
Not available
Lydia+
Available
Lydia Green+
Available
Lydia Black+
Available
(4) Features including but not limited to: Envelopes account budgeting, weekly and monthly spending Profile widget, device OS lock screen and home screen widgets, invoice receipt attachments ;
(5) Features including but not limited to: app icon style, Lydia plastic card customization.