Essentials Pricing & limits 07-06-2022

Pricing & limits – 07-06-2022

Pricing & Limits until 07-06-2022

This new pricing and fair limits are applicable to new users from October 28th, 2021 (and from January 1st, 2022 to users who subscribed before October 28th, 2021).

Click here to access the previous version.

Prices

Monthly Subscription
€0
€4,90*
€7,90

Lydia physical card
€5
Free (then €5)
Free (then 9€)

Instant transfer
€1
Free
Free
*€1 for people under 25 years old
Incident fees:
Rejected bank transfers are charged €10.
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 :
– 2.9% commission, regardless of the user’s subscription, on funds collected via the Cagnotte.me service;
– €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 (within the limit of the available balances on all the accounts held by the user);
– Other charges may apply in the event of abnormal use (see article 14 of the T&Cs).

Limits

Number of transactions/month (1)
20
Unlimited
Unlimited

charged at 1.5% above

Number of ATM withdrawals/month
0
3
5

charged at 1.5% above

Amount of ATM withdrawals/month
€0
€250
€1000

charged at 1.5% above

Sum of outgoing transactions/month (1)
€1 000
€5 000
N/A

charged at 1.5% above

Number of Lydia physical cards (3)
1
1
2

Number of Internet cards/month (2)
3 created and 1 active
20 created et 5 active
20 created et 10 active

charged at €0.5 above

Number of cards registered on Lydia (excluding Lydia cards)
2
10
10

Number of business cards registered on Lydia
0
0
2

Number and amount of top-ups per card / month
3, for a total of €200
3, for a total of €200
3, for a total of €400

charged at 2.5% above

Number of changes of payment source after a transaction made with a card / month
1
5
5

charged at 2.5% above

(1) Any payment, transfer, top-up, money transfer made with the app, the Lydia IBAN or a Lydia card except payments made to professionals using Lydia and made with the Lydia app.
(2) Once the limit of the maximum number of cards that can be created is reached, the customer will only be able to create Internet cards
(3) A total of 4 card orders per month.
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 are subject to additional or more restrictive limits:
– Maximum accumulation of amounts held by a user across all Lydia accounts: €150;
– Maximum sum of payments issued with a Lydia payment account over 30 consecutive days: €150.
Security and compliance limits may also be implemented to prevent misuse and/or illegal use of the Lydia Services.