Lydia - Current account description

After having revolutionised payments between millions of people, Lydia is now reinventing their bank account.

In a few seconds you can:
- Pay any contact with a phone number free of charge and securely.
- Request a reimbursement from a friend or share a bill.
- Collect money for all your events with money pools.

Lydia is now revolutionising your current account:
- Spend your money from Lydia via our physical cards or Internet Visa.
- Forget about unpleasant surprises abroad, your payments and withdrawals are free of charge.
- Enjoy contactless, with no limit on the amount, for all your purchases via Google Pay.
- Track your balance, and receive instant notifications for each of your payments and bank transfers.
- Create sub-accounts to better organise your money, or shared accounts to facilitate your spending as a couple, as a roommate or as a family.

But also…
- Secure your internet payments with Internet Cards
- Connect all your bank accounts to Lydia, in order to only use one app.

And now, you can access small express loans, from 3 to 36 months for a maximum annual percentage rate of 21.03% (example: € 600 over 3 months for a total cost of € 614.10 including € 14.10 of administration fees or € 2000 over 24 months for a total cost of € 2395.68 including € 359.68 of interest and € 36 of administration fees), on top of which there is a maximum fee of € 24.90 only for the option of instant fund availability.

100% secure, the Lydia app is developed in Paris by a passionate and independent team, complying with the latest banking and IT security standards. Lydia respects your privacy and the European GDPR directives.