Pricing and Limits Annex – 12/03/2026
Reasonable fees and fair limits for all
Limits and usage fees introduced in this Annex apply to all transactions made on the Customer’s Payment account independently of the Sumeria App 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.
Pricing and limits are effective as of January 12, 2026 and cancel and replace all previous versions having the same object which were binding on the Parties. The previous version can be consulted at the following address: https://sumeria.eu/en/essentials/pricing-limits-12-01-2026/.
The French version of these rules prevails over the English version.
1. Sumeria Cards and Offers
1.1 Sumeria Cards
1.1.1 Pricing Card Offers
|
Monthly payment |
|
|---|---|
| Basic Card | Free (1) |
| Standard Card | €3.90 (2) |
| Black Card | €9.90 (2) |
(1) Free, subject to a payment transaction made within the month with the Basic Card (regardless of the card format: physical, virtual, single-use, etc.), otherwise €2/month. 1st month following subscription free
(2) 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 minimum commitment period |
| Standard Card | 3 months |
| Black Card | 12 months |
|
Physical card |
|
|---|---|
| Basic Card |
1 free |
| Standard Card |
1 free |
| Black Card |
1 free |
1.1.2 Card Offers functionalities
|
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 |
1.1.3 Thresholds applicable to Cards
|
Amount of payments and withdrawals via bank card per month |
|
|---|---|
| Basic Card | Up to €2,000 |
| Standard Card | Up to €6,000 |
| Black Card | Up to €25,000 |
|
Number of ATM withdrawals per month(3) |
|
|---|---|
| Basic Card | 3 free withdrawals |
| Standard Card | 6 free withdrawals |
| Black Card | 6 free withdrawals |
|
Amount of ATM withdrawals per month(4) |
|
|---|---|
| Basic Card | Free up to €250 |
| Standard Card | Free up to €800 |
| Black Card | Free up to €1,000 |
|
Number of simultaneously active 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 |
(4) 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.
1.2 Sumeria Offers
1.2.1 Pricing
|
Monthly payment |
|
|---|---|
| Sumeria | Free |
| Sumeria+ | €4.90(5) |
|
Monthly payment for customers 18-25 yo |
|
|---|---|
| Sumeria | Free |
| Sumeria+ | €2(5) |
(5) Immediate discount of two months’ subscription for an annual subscription, i.e. €49/year for Sumeria+. For Sumeria+ combined with Standard Card: €69/year (or €6.90/month), or €129/year (or €12.90/month). For Sumeria+ combined with Black Card: €129/year (or €12.90/month).
For 18-25 yo : €2/month for Sumeria+ only. Same price as for those over 25 if Sumeria+ is combined with Standard Card or Black Card, the above annual subscription pricing will apply.
1.2.2 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 up of card payments to a Wallet(6) |
|
|---|---|
| Sumeria | Not available |
| Sumeria+ | Available |
|
Spend tracking charts |
|
|---|---|
| Sumeria | Not available |
| Sumeria+ | Available |
|
Expense categorisation |
|
|---|---|
| Sumeria | Not available |
| Sumeria+ | Available |
|
Balance consultation widget |
|
|---|---|
| Sumeria | Not available |
| Sumeria+ | Available |
2. Lydia Offer
The Lydia offer is free and can be terminated at any time within the limits described in Pricing and limits annex dedicated to the Lydia offer.
3. Pricing and limits applicable for all
All fees and contributions in this Annex apply with 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 1 rejected direct debit per month, each additional rejection is charged €5
- Beyond 5 rejected card payments per month, each additional rejection is charged €0.90
Other fees:
- 2.5% commission fee applied to the topped-up amount above €250 of top ups per month using external cards;
- 2.5% commission fee on funds collected via card payment request forms;
- €30 handling fee per disputed Card transaction, beyond 10 requests per year;
- €99 handling fee in case of irregular use of services which contravenes 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.
Security and compliance limits may also be applied to prevent risky, abusive, fraudulent and/or illegal use of Lydia Solutions services.
