About scratch cards

This is a welcome feature for new current account users. Users can benefit from it for 6 months after their very first card payment. Once this period has elapsed, no tickets will be generated for the customer's expenses.

After each eligible card payment, a scratch card appears on the homepage. They then have 24 hours to scratch it and find out if they have won. If so, Lydia refunds their expense up to €50, as soon as the merchant has confirmed the card payment amount.

Probabilities

The draw is immediately made by an algorithm.

The chances of winning vary depending on the card payment amount, up to a limit of 1 chance in 1,000. And if you're not getting lucky, Lydia can give a temporary boost to your winnings!

Examples of winning probabilities:

1/10 for a payment of €2
1/333 for a payment of €20
1/1,000 for a payment of €60

Eligibility

Amount

Only payments of €0.50 or more can be eligible.

Type of Payment

The following are not eligible:

cash withdrawals from ATMs
money transfers by card to other bank accounts or payment services

The exhaustive list of non-eligible transactions is available in the detailed rules.

Other

A maximum of 10 tickets are available per 24-hour period.

There is no limit to the number of times a customer can win.

A customer that no longer wishes to receive their scratch cards can opt-out by clicking here on a mobile device.

Learn more about the official and detailed rules of the Lydia scratch card.