Sending peer-to-peer payments

Customers can send money to their contacts via their phone number or email address. This is called “Making a Lydia”®.

It's also possible to perform wire transfers.

From the application

The customer can click on the double arrow from the home screen and be guided to make a Lydia. The customer must ensure that the selected account has a sufficient balance.

Customers can even top up their account last minute using a bank card, Apple Pay or an instant transfer.

Customers can enter a mobile phone number or email address, or search their contacts if they have agreed to let the application access it.

The recipient is a customer

The amount credited right away on their account.

The recipient is not a customer

They can tap on the link in the text message or email that was immediately sent to them. Doing so will lead them to a secure page where they can make the transfer request to their bank account.

They have 7 days to do so before the payment is cancelled.

For more information on minimum and maximum amounts, head to the limits page.

Non-user of the app

It's possible to send money without the app if the customer received a payment request by SMS or email from one of their contacts.

Peer-to-peer Lydia payments cannot be used to purchase or sell goods or services from businesses and professionals. Some activities are also forbidden. To find out more, see article 5 of Terms of Service for Individuals.