What is the Lydia IBAN?

Sumeria provides customers over the age of 18, with a verified identity, several free French IBANs to receive bank transfers.

These IBANs consist of the country code (FR), the control key (2 digits), the bank code (8 digits) and the bank account number (10 digits).

These IBANs and their parameters can be consulted from the app.

Activate and access your IBAN

To find an IBAN in the app, customers must first click on the account for which they wish to obtain an IBAN, then on "IBAN / RIB".

Customers can obtain an IBAN for any of their other accounts, such as their duo account.

They can also download an IBAN and view it in PDF format.

Receive revenue on your IBAN

Salary

It is possible to receive a salary on your IBAN.

Refunds

Refunds received via bank transfer must be verifiable.

This means that our transaction security department may request proof of the origin of the funds.

Self-employed professional activity

"The self-employed person who has opted for the application of article L. 133-6-8 of the present code is required to dedicate an account opened in one of the establishments mentioned in article L. 123-24 of the Commercial Code to the exercise of all financial transactions linked to his professional activity."

It is not possible to use a Sumeria IBAN for this purpose.

In concrete terms, this means that if you are a self-employed entrepreneur, you must open an account dedicated specifically to your business, separate from your personal bank account. As Sumeria is not a bank account dedicated to professionals, it is not legally possible to use it to receive payments for auto-entrepreneur services.

Direct debit

Customers can use their account to set up a direct debit. To do so, simply share your IBAN with the creditor you wish to pay, and sign the corresponding direct debit mandate (document presented by the creditor).

The customer's account will then be debited each time a direct debit request is received, if the balance is sufficient. If the balance is not sufficient at the time of the debit attempt, the customer will be notified and will have 6 hours to top up the account before the second attempt. If the funds are still not available at that time, the direct debit will be definitively refused.