Side by side
Lydia vs Yape
Both stand on money transfer apps. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan AndroidiPhone
Lydia provides person-to-person transfers, mobile wallet functions, and money pots for private events. Review the transfer region and variable fees, particularly for some withdrawals and card transactions.
Visit Lydia Free plan AndroidiPhoneWeb
Yape combines personal money transfers and service payments with optional business tools. Its free regular plan has account-specific limits, while Yape Empresa adds reporting and business features with a sales-based charge.
Visit YapeThe facts
| Lydia | Yape | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | Not published |
| Runs on | Android, iPhone | Android, iPhone, Web |
| Lowest paid plan | Free or on request | Free or on request |
| Plans published | 2 | 2 |
| Maker | Lydia | Yape |
| Website | lydia.me | yape.com.pe |
| On money transfer apps | #52 of 81 | #56 of 81 |
Lydia: what it does well
- Recipients do not need a Lydia account to receive a contact transfer.
- Money pots accept card, bank transfer, Apple Pay, and Google Pay.
- Pot creation and participation are free.
- Support is available in-app or by email, with a 12-hour average response.
What to know first
- Money pots are not for public donations or cause fundraising.
- Some pot withdrawals incur a 4% fee.
- Card-funded sends and top-ups cost 2.5% above €250 per month.
- Online card receipts cost 2.5%.
Yape: what it does well
- Instant QR or cellphone transfers
- No stated transfer cost or interest
- Supports multiple payment categories
- Remittances without a Yape fee
- Android, iOS and web access
What to know first
- Loan requests require credit evaluation
- Daily sending limits apply
- Business QR receipts have limits
- Yape Empresa charges 2.95% of daily sales