Lydia

Android · iPhone

Freedom report

Two barsScore 6.6

Free tierA free tier is on its own pricing page
Open codeNo open-source code on record
Runs widely2 of 6 device platforms
DocumentedPlans, terms and facts published

Lydia is ranked #24 of 81 in money transfer apps on Freedom251, made by Lydia (Paris, France). It runs on Android, iOS. There is a free plan.

Lydia plans and pricing

All plans

Online Money pots Free Creation and participation are free; withdrawal fees depend on contribution source. 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 support.lydia.me · 29 Sept 2026

Lydia Wallet Free Opening an account is free and without commitment. 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% support.lydia.me · 29 Sept 2026

Compared on money transfer apps

Free plan: Yes

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The record

Purpose: Lydia is an app for paying, receiving money, sending money to friends, and collecting money.
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.
Transfer region: Lydia says it can send money to anyone with a euro account at a payment service provider in the SEPA zone.
Money pots: Users can create a customizable online money pot and accept card, bank-transfer, Apple Pay, and Google Pay contributions.
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.
Withdrawal options: Collected money can be withdrawn in one or more transfers or used to buy an Amazon.fr gift card.
Security authentication: Lydia requires strong authentication for sensitive actions; listed methods include phone-line authentication, video selfie, biometrics, and a secure communication channel.
Regulation: Lydia Solutions says it is licensed and supervised by France’s ACPR as an electronic money institution authorized to provide payment services.
Privacy: Lydia Solutions says it processes personal data for account management, payments, legal compliance, fraud prevention, and related purposes.
Support: Lydia says customers can contact their assigned support team through the app or by email, with an average response time of 12 hours.
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.
Company: The website is published by LYDIA SOLUTIONS, whose registered office is listed at 14 avenue de l’Opéra, 75001 Paris, France.
Headquarters: Paris, France
Price from: Free

Where it ranks on Freedom251

Best Money Transfer Apps in 2026#24 of 81
Best Peer-to-Peer Payment Apps in 2026#9 of 24

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Sources

lydia.me/en· checked 29 Sept 2026
support.lydia.me/l/en/article/jxagop41ab-what-are-the-ap· checked 29 Sept 2026
lydia.me/en/mentions-legales· checked 29 Sept 2026
support.lydia.me/l/en/article/eiu3f9wd3o-customer-servic· checked 29 Sept 2026
support.lydia.me/l/en/article/wghytzvpyz-annexe-tarifs-e· checked 29 Sept 2026