Lydia
Lydia is a mobile app for sending, receiving, paying and collecting money, available on Android and iOS.
What Lydia is
Lydia is a mobile app for sending, receiving, paying and collecting money, available on Android and iOS. Users can send money to a contact by phone number or email; the recipient does not need a Lydia account. Lydia says transfers can go to anyone with a euro account at a payment service provider in the SEPA zone. Users can also set up customizable online money pots and accept contributions by card, bank transfer, Apple Pay or Google Pay. These pots are intended for events among friends, family or coworkers, rather than public donations or fundraising for causes. Collected money can be withdrawn in one or more transfers or exchanged for an Amazon.fr gift card. Creating and joining pots are free, and gift-card withdrawals are free. Withdrawals to a Lydia Wallet or bank are free for contributions from Lydia or Sumeria apps; other contributions incur a 4% fee. Opening a Lydia Wallet is free. Card-funded sends and top-ups are free up to €250 per month, then cost 2.5%; online card receipts cost 2.5%.
Good
- Recipients do not need a Lydia account
- Money pots accept card and bank contributions
- Apple Pay and Google Pay contributions are supported
- Wallet opening is free
Watch out
- Money pots are not for public fundraising
- Some pot withdrawals incur a 4% fee
- Card-funded sends and top-ups cost 2.5% above €250 monthly
Who it suits
Lydia suits people who want to send money to contacts or collect contributions for events with friends, family or coworkers. It is available on Android and iOS.
Verdict
Lydia covers person-to-person payments and event collections, with several free options. Review the pot-use restriction and contribution-based withdrawal fees before collecting money.
Plans and prices
From Lydia's own pricing page, checked 29 Sep 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Lydia Wallet | Free | Send money from wallet: free · Card-funded sends and top-ups: free up to €250/month, then 2.5% · Bank transfer or QR top-ups/collections: free · Online card receipts: 2.5% · Opening an account is free and without commitment. |
| Online Money pots | Free | Creation and participation: free · Amazon.fr gift-card withdrawals: free · Withdrawals to Lydia Wallet or bank: free for Lydia/Sumeria app contributions, 4% on other contributions · Creation and participation are free; withdrawal fees depend on contribution source. |
The facts
Each one read from Lydia's own pages, with the date it was checked.
The company
- Company
- The website is published by LYDIA SOLUTIONS, whose registered office is listed at 14 avenue de l’Opéra, 75001 Paris, France.checked 29 Sep 2026
- Headquarters
- Paris, Francechecked 28 Sep 2026
Money
- Free plan
- Yeschecked 20 Sep 2026
What it does
- Money-pot limits
- The site says Lydia money pots are intended for events with friends, family, or coworkers and should not be used for public donations or fundraising for causes.checked 29 Sep 2026
- Money pots
- Users can create a customizable online money pot and accept card, bank-transfer, Apple Pay, and Google Pay contributions.checked 29 Sep 2026
- Privacy
- Lydia Solutions says it processes personal data for account management, payments, legal compliance, fraud prevention, and related purposes.checked 29 Sep 2026
- Purpose
- Lydia is an app for paying, receiving money, sending money to friends, and collecting money.checked 29 Sep 2026
- Regulation
- Lydia Solutions says it is licensed and supervised by France’s ACPR as an electronic money institution authorized to provide payment services.checked 29 Sep 2026
- Security authentication
- Lydia requires strong authentication for sensitive actions; listed methods include phone-line authentication, video selfie, biometrics, and a secure communication channel.checked 29 Sep 2026
- Send money
- The site says sending money to a contact is simple and free, using their phone number or email, and that a Lydia account is not required for the recipient.checked 29 Sep 2026
- Support
- Lydia says customers can contact their assigned support team through the app or by email, with an average response time of 12 hours.checked 29 Sep 2026
- Transfer region
- Lydia says it can send money to anyone with a euro account at a payment service provider in the SEPA zone.checked 29 Sep 2026
- Withdrawal options
- Collected money can be withdrawn in one or more transfers or used to buy an Amazon.fr gift card.checked 29 Sep 2026
Where it runs
- Platform availability
- The site directs visitors to download the Lydia application on mobile; its help page refers customers to the App Store and Google Play Store.checked 29 Sep 2026
