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

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

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 execute more than 50 ATM withdrawals per month.
(2)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.
(3)Charged €0.50 for each additional card

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

2 – Offers

Pricing

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+ 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

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 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

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

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.