Pricing and Limits Annex

Reasonable fees and fair limits for all

Limits and usage fees introduced in this Annex apply to all transactions made on the Customer’s Electronic Money Account and/or the Customer’s Payment account independently of the Mobile Application from which they were initiated. They are charged and debited by Lydia Solutions directly on their account, in application of the contractual conditions the Customer subscribed to.

The French version of this Annex prevails over the English version.

I – Sumeria Cards and Offer

Pricing and limits in effect as of April 16, 2024 (subject to their subscription availability in the Mobile Application):

1 – Cards

	Classic Card	Black Card
Monthly payment	Free	€9.90(1)
Monthly payment	(1) Automatic discount of two monthly payment for an annual payment for a total of €99/year
Minimum commitment period	No necessary commitment	12 months
Telephone appointment with an advisor	Not available	Available
Insurance and assistance	Not available	Available
Concierge service	Not available	Available

Monthly payment
Classic Card	Free
Black Card	€9.90(1)

(1) Automatic discount of two monthly payment for an annual payment for a total of €99/year

Minimum commitment period
Classic Card	No necessary commitment
Black Card	12 months

Telephone appointment with an advisor
Classic Card	Not available
Black Card	Available

Insurance and assistance
Classic Card	Not available
Black Card	Available

Concierge service
Classic Card	Not available
Black Card	Available

Thresholds applicable to Cards

	Classic Card	Black Card
Amount of payments and withdrawals via bank card per month	Up to €3,000	Up to €25,000
Number of ATM withdrawals per month	3 free withdrawals	6 free withdrawals
Amount of ATM withdrawals per month(1)	Free up to €250	Free up to €1,000
Number of valid physical cards(2)	2	3
Number of virtual cards created per month(3)	20	20
Number of simultaneous multiple-use virtual Cards	5	10

Amount of payments and withdrawals via bank card per month
Classic Card	Up to €3,000
Black Card	Up to €25,000

Number of ATM withdrawals per month
Classic Card	3 free withdrawals
Black Card	6 free withdrawals

Amount of ATM withdrawals per month(1)
Classic Card	Free up to €250
Black Card	Free up to €1,000

Number of valid physical cards(2)
Classic Card	2
Black Card	3

Number of virtual cards created per month(3)
Classic Card	20
Black Card	20

Number of simultaneous multiple-use virtual Cards
Classic Card	5
Black Card	10

(1) 1.5% commission fee applied beyond. Customers will not be allowed to withdraw more than €2,000 per month from the ATM for Customers who use a Classic Card, and no more than €5,000 for Customers who use a Black Card.
(2) 1.5% commission fee applied beyond. Customers will not be allowed to execute more than 50 ATM withdrawals per month.
(3) Charged €0.50 for each additional card

No more than 4 physical cards can be ordered in a given month.

2 – Offers

Pricing

	Sumeria	Sumeria+
Monthly payment	Free	€4.90(1)/€12.90(1) if combined with the Black Card
Monthly payment	(1) Immediate discount of two months’ subscription for an annual subscription, i.e. €49/year for Sumeria+ or €129/year for Sumeria+ combined with the Black Card
Minimum commitment period	No commitment necessary	6 months(2)
Monthly payment for customers 18-25 yo	Free	€2

Monthly payment
Sumeria	Free
Sumeria+	€4.90(1)/€12.90(1) if combined with the Black Card

(1) Immediate discount of two months’ subscription for an annual subscription, i.e. €49/year for Sumeria+ or €129/year for Sumeria+ combined with the Black Card

Minimum commitment period
Sumeria	No commitment necessary
Sumeria+	6 months(2)

Monthly payment for customers 18-25 yo
Sumeria	Free
Sumeria+	€2

(2) 12-month commitment if combined with Black Card.

Functionalities

	Sumeria	Sumeria+
Sumeria+ dedicated Customer Care	Not available	Available
Budget tracking Wallet	Not available	Available
Wallet for target monitoring	Not available	Available
“Reserve” Wallet	Not available	Available
Rounding of card payments to a Wallet(1)	Not available	Available
Spend tracking charts	Not available	Available
Categorisation of expenses	Not available	Available
Balance consultation widget	Not available	Available

Sumeria+ dedicated Customer Care
Sumeria	Not available
Sumeria+	Available

Budget tracking Wallet
Sumeria	Not available
Sumeria+	Available

Wallet for target monitoring
Sumeria	Not available
Sumeria+	Available

“Reserve” Wallet
Sumeria	Not available
Sumeria+	Available

Rounding of card payments to a Wallet(1)
Sumeria	Not available
Sumeria+	Available

Spend tracking charts
Sumeria	Not available
Sumeria+	Available

Categorisation of expenses
Sumeria	Not available
Sumeria+	Available

Balance consultation widget
Sumeria	Not available
Sumeria+	Available

(1)To the nearest euro

II – Lydia Offer

The Lydia offer is free and can be terminated anytime within the limits described in IV of this Annex.

III – Lydia Standard, Lydia+, Green+ and Black+ offers

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

Pricing

	Standard	Lydia+	Lydia Green+	Lydia Black+
Monthly subscription	€0	€4.90	€7.90	€9.90
Monthly subscription	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 yo can subscribe to Lydia+ for €2/month and Lydia Green+ for €3/month.
Physical card issued by Lydia Solutions	1 free (then €5 per additionnal card)	Available with Standard	1 free (then €5 per additionnal card))	1 free (then €9 per additionnal card))
Instant wire transfer (incoming and outgoing)	Free	Free	Free	Free

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 yo can subscribe to Lydia+ for €2/month and Lydia Green+ for €3/month.

Physical card issued by Lydia Solutions
Standard	1 free (then €5 per additionnal card)
Lydia+	Available with Standard
Lydia Green+	1 free (then €5 per additionnal card))
Lydia Black+	1 free (then €9 per additionnal card))

Instant wire transfer (incoming and outgoing)
Standard	Free
Lydia+	Free
Lydia Green+	Free
Lydia Black+	Free

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 card per month	€200	€200	€200	€400
Amount of account top-ups via card per month	2.5% commission fee applied beyond these limits
Number of ATM withdrawals per month(1)	3	3	3	6
Number of ATM withdrawals per month(1)	1.5% commission fee applied beyond these limits
Amount of ATM withdrawals per month(2)	€250	€250	€250	€1,000
Amount of ATM withdrawals per month(2)	1.5% commission fee applied beyond these limits
Amount of payments and withdrawals by card per 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 cards per month	20	20	20	20
Number of created virtual cards per month	€0.50 for each additional card
Number of simultaneous multiple-use virtual cards	5	5	5	10

Amount of account top-ups via card per month
Standard	€200
Lydia+	€200
Lydia Green+	€200
Lydia Black+	€400

2.5% commission fee applied beyond these limits

Number of ATM withdrawals per month(1)
Standard	3
Lydia+	3
Lydia Green+	3
Lydia Black+	6

1.5% commission fee applied beyond these limits

Amount of ATM withdrawals per month(2)
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 per 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 cards per month
Standard	20
Lydia+	20
Lydia Green+	20
Lydia Black+	20

€0.50 for each additional card

Number of simultaneous multiple-use virtual cards
Standard	5
Lydia+	5
Lydia Green+	5
Lydia Black+	10

(1) Customers will not be allowed to make more than 50 ATMs withdrawals per month.
(2) 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.

Features

	Standard	Lydia+	Lydia Green+	Lydia Black+
Phone appointment	Not available	Not available	Not 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(1)	Not available	Available	Available	Available

Phone appointment
Standard	Not available
Lydia+	Not available
Lydia Green+	Not 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(1)
Standard	Not available
Lydia+	Available
Lydia Green+	Available
Lydia Black+	Available

(1) Features including: budget envelopes, weekly and monthly expenses widget, lock and home screen widget, ability to attach receipts to transactions.

IV – Pricing and limits applicable for all

All fees and contributions in this Annex apply from a minimum commission of €0.10 except for ATM withdrawals where the minimum is €1. If a transaction exceeds several limits, only the limit generating the highest fees applies.

Incident fees:

beyond 2 rejected direct debits per month, each additional rejection is charged €5

beyond 5 rejected card payments per month, each additional rejection is charged €0.50

Other fees:

2.5% commission fee applied to the topped-up amount above €200 of top ups per month using external cards (accepted by Lydia Solutions) applicable to all Offers except Black+. Customers will not be allowed to make more than 50 card top-ups per month, for a total of €2,000 regardless of the Offer or Card they have subscribed to.

2.5% commission fee on funds collected via card payment request forms, regardless of the Offer or Card

€30 handling fee per disputed Card transaction, beyond 10 request per year

€20 handling fee per unpaid credit card transaction

€99 handling fee in case of irregular use of services which contravenes to the T&Cs and/or any related contract

€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)

Customers 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.

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

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