Entrust your money to Lydia: receive, manage, save …

In almost 10 years of existence, the Lydia application has attracted more than 5.5 million users with initially a simple idea: the possibility of sending money between relatives from their mobile phone. The Lydia ecosystem has grown over the years to become in 2020 a complete payment solution. The reason for this success? Simplicity since it only takes a smartphone to be part of the gang, but also transparency: no hidden costs and clearly stated terms.

Transparency, simplicity: so many advantages …

At Lydia, there is the free version which allows you to make mobile payments, have a RIB, make instant transfers and take advantage of “social” features such as bill sharing or the commission-free kitty. It is even possible to make the link with your bank, but Lydia also allows you to easily manage your account with the paid versions Lydia Bleu and Lydia Noir. Here no schedule, no waiting, making an appointment or traveling to an agency. Similarly, traditional banking institutions take small amounts from you here and there. Even if you have a report at the end of the year, you look at these numbers without really knowing what the hell is going on. With Lydia you know exactly what you are entitled to.

Lydia Bleu and Lydia Noir: two formulas for all budgets

For € 4.90 per month or € 49 if you opt for the annual plan, Lydia Blue gives you the right to € 5,000 in transactions, a Visa card, an IBAN, remunerated savings, contactless payment from the app and operations abroad without commission. Note that for those under 25, Lydia Bleu costs only € 1 / month. Do you want more ? Lydia Black is the “supreme account” with a ceiling of € 50,000, up to € 1,000 for withdrawals without commission even abroad, a battery of anti-fraud insurance for your purchases or for your trips and even a concierge … Dallas. Note that it is possible to have a joint account with this formula at € 7.90 per month and if you pay € 79 for a year, you therefore have two months free.

For these two formulas, the advantages are numerous, here is a non-exhaustive list:

Cashback for your purchases

Do you know the cashback system? With Lydia Bleu or Lydia Noir, you get money back (between 0.5 and 5% of the amount) when you make purchases with your bank card with a bonus if you pay with your Lydia card. The list of partners grows regularly (Franprix, Burger King, Castorama, Heetch, Starbuck) and on the 20th of each month, your total reimbursements are paid directly into your Lydia account. Note that Lydia’s cashback works both online and in store, so indulge yourself when you feel like it!

The jackpots without commission

Speaking of money, Lydia also allows you to collect money for the birthday gift of a loved one, a birth or a trip. Just create it, share it and it’s commission free!

Internet cards

These are virtual cards that can be used once or for a longer period (for subscriptions, for example) to make purchases safely on the Internet. Impossible for fraudsters to steal your money! With Lydia Bleu or Lydia Noir, you have 20 Internet cards to use each month. Enough to do all your shopping …

Lydia roulette!

This is new and completely crazy! Roulette is the chance to get a full refund for a purchase made with Lydia. Every 1000 payments, you “buy free”. With 5.5 million users, there is more than one winner per hour… What if the next one was you?

Remunerated savings

The French livret A is remunerated at 0.5%. To open or close it, you have to wait and go to the branch. Lydia’s remunerated savings offer 0.6% with a “boost” the first three months: 2%! And no need to write a letter to transfer the money: just go to the app and move your funds with your fingertip.

The “Small Express Loans” and the “Buy Now, Pay Later”

Since 2018, Lydia has also offered its “Small Express Loans”. These are credits of 100 to 3000 € repayable in 3 to 36 months. There again, no hidden costs and everything is done from the app… If you want to pay for a purchase in 3 installments, it is also possible with Lydia and it works everywhere, in store or online.