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.
Pricing and limits are effective as of December 1, 2024 and cancels and replaces 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-01-12-2024/.
The French version of these rules prevails over the English version.
I – Sumeria Cards and Offer
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 |
|
Physical card issued by Lydia Solutions |
|
|---|---|
| Classic Card | 1 free (then €5 per additional card) |
| Black Card | 1 free (then €9 per additional card) |
|
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 |
(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
|
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 |
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 |
II – Lydia Offer
The Lydia offer is free and can be terminated anytime within the limits described in Pricing and limits annex dedicated to the Lydia offer.
III – 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 €0.90
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 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.
