Pricing and Limits Annex – 01/12/2024
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 these rules prevails over the English version.
I – Sumeria Cards and Offer
Pricing and limits in effect until December 1, 2024 (subject to their subscription availability in the Mobile Application):
1 – Sumeria Cards
|
Monthly payment |
|
|---|---|
| Basic Card | Free |
| Standard card* | €3.90(1) |
| Black Card | €9.90(1) |
(1) Automatic discount of two monthly payment for an annual payment for a total of €39/year for Standard Card, or €99/year for Black Card
|
Minimum commitment period |
|
|---|---|
| Basic Card | No necessary commitment |
| Standard card* | 3 months |
| Black Card | 12 months |
|
Physical card issued by Lydia Solutions |
|
|---|---|
| Basic Card | 1 free (then €5 per additional card) |
| Standard card* | 1 free (then €7 per additional card) |
| Black Card | 1 free (then €9 per additional card) |
|
Telephone appointment with an advisor |
|
|---|---|
| Basic Card | Not available |
| Standard card* | Available |
| Black Card | Available |
|
Insurance and assistance |
|
|---|---|
| Basic Card | Not available |
| Standard card* | Not available |
| Black Card | Available |
|
Concierge service |
|
|---|---|
| Basic Card | Not available |
| Standard card* | Not available |
| Black Card | Available |
Thresholds applicable to Cards
|
Amount of payments and withdrawals via bank card per month |
|
|---|---|
| Basic Card | Up to €3,000 |
| Standard Card* | Up to €6,000 |
| Black card | Up to €25,000 |
|
Number of ATM withdrawals per month(2) |
|
|---|---|
| Basic Card | 3 free withdrawals |
| Standard Card* | 6 free withdrawals |
| Black card | 6 free withdrawals |
|
Amount of ATM withdrawals per month (3) |
|
|---|---|
| Basic Card | Free up to €250 |
| Standard Card* | Free up to €800 |
| Black card | Free up to €1,000 |
|
Number of valid physical cards |
|
|---|---|
| Basic Card | 2 |
| Standard Card* | 3 |
| Black card | 3 |
|
Number of simultaneous multiple-use virtual Cards |
|
|---|---|
| Basic Card | 5 |
| Standard Card* | 10 |
| Black card | 10 |
(2) 1.5% commission fee applied beyond. Customers will not be allowed to execute more than 50 ATM withdrawals per month.
(3) 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 Basic Card, and no more than €5,000 for Customers who use a Standard Card or Black Card.
20 virtual cards created free of charge per month. Beyond, charged €0.50 for each additional card
No more than 4 physical cards can be ordered in a given month.
2 – Sumeria Offers
Pricing
|
Monthly payment |
|
|---|---|
| Sumeria | Free |
| Sumeria+ | €4.90(4) / €6.90(4) if combined with the Standard Card* / €12.90(4) if combined with the Black card |
|
Monthly payment for customers 18-25 yo |
|
|---|---|
| Sumeria | Free |
| Sumeria+ | €2(4) |
*StandardComfort Card is available from October 21, 2024.
(4) Immediate discount of two months’ subscription for an annual subscription, i.e. €49/year for Sumeria+, or €69/year for Sumeria+ combined with the Standard Card or €129/year for Sumeria+ combined with the Black Card. For 18-25 yo: €2/month for Sumeria+ only. If Sumeria+ is combined with Standard Card or Black Card, the above annual subscription pricing will apply.
Functionalities
|
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 |
|
Rounding of card payments to a Wallet (5) |
|
|---|---|
| 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 |
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
|
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 |
Limits
|
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 |
(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
|
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 |
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 risked, abusive, fraudulent and/or illegal use of Lydia Solutions services.
