Settle Up Free plan 9.0 Visit 
Lydia
lydia.me
What it is
Lydia is a mobile app for paying, sending and receiving money, and collecting contributions. It runs on Android and iOS, and sending money to a contact by phone number or email is free; the recipient does not need a Lydia account. Lydia says transfers can be sent to euro accounts at payment service providers in the SEPA zone. Users can create customizable money pots for events with friends, family or coworkers, taking contributions by card, bank transfer, Apple Pay or Google Pay. Pots are not intended for public donations or fundraising for causes. Collected funds can be withdrawn in one or more transfers or used for an Amazon.fr gift card. Pot creation and participation are free; gift-card withdrawals are free, while withdrawals to a Lydia Wallet or bank are free for Lydia/Sumeria app contributions and cost 4% for other contributions. The wallet is free to open. Card-funded sends and top-ups are free up to €250 per month, then cost 2.5%; online card receipts cost 2.5%. Lydia lists strong authentication for sensitive actions and support through the app or email, with an average response time of 12 hours.
Spec sheet
- Purpose
- Lydia is an app for paying, receiving money, sending money to friends, and collecting money.Read 29 Sep 2026 · lydia.me
- Free plan
- YesRead 20 Sep 2026 · lydia.me
- Privacy
- Lydia Solutions says it processes personal data for account management, payments, legal compliance, fraud prevention, and related purposes.Read 29 Sep 2026 · lydia.me
- Support
- Lydia says customers can contact their assigned support team through the app or by email, with an average response time of 12 hours.Read 29 Sep 2026 · support.lydia.me
- Headquarters
- Paris, FranceRead 28 Sep 2026 · lydia.me
- Company
- The website is published by LYDIA SOLUTIONS, whose registered office is listed at 14 avenue de l’Opéra, 75001 Paris, France.Read 29 Sep 2026 · lydia.me
- Money pots
- Users can create a customizable online money pot and accept card, bank-transfer, Apple Pay, and Google Pay contributions.Read 29 Sep 2026 · lydia.me
- 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.Read 29 Sep 2026 · lydia.me
- 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.Read 29 Sep 2026 · lydia.me
- Regulation
- Lydia Solutions says it is licensed and supervised by France’s ACPR as an electronic money institution authorized to provide payment services.Read 29 Sep 2026 · lydia.me
- Security authentication
- Lydia requires strong authentication for sensitive actions; listed methods include phone-line authentication, video selfie, biometrics, and a secure communication channel.Read 29 Sep 2026 · support.lydia.me
- 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.Read 29 Sep 2026 · lydia.me
- Transfer region
- Lydia says it can send money to anyone with a euro account at a payment service provider in the SEPA zone.Read 29 Sep 2026 · lydia.me
- Withdrawal options
- Collected money can be withdrawn in one or more transfers or used to buy an Amazon.fr gift card.Read 29 Sep 2026 · lydia.me
Plans and prices
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% Read 29 Sep 2026 · support.lydia.me
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 Read 29 Sep 2026 · support.lydia.me
Strong points and limits
Strong points
- Free contact transfers by phone number or email
- Recipients do not need a Lydia account
- Money pots accept cards and digital wallets
- Wallet opening is free
- Support averages a 12-hour response time
Limits
- Pots are not for public fundraising
- Card-funded sends and top-ups cost 2.5% above €250/month
- Online card receipts cost 2.5%
- Some pot withdrawals cost 4%
Who it suits
Lydia suits people who want to send money to contacts or collect contributions for gatherings with friends, family or coworkers. It is available on Android and iOS.
Verdict
Lydia combines contact payments with customizable pots for personal events, with stated fees varying by funding source and withdrawal route. Its pot terms exclude public fundraising, so check that the intended collection fits those limits.
Where Specifiction places it
- Peer-to-Peer Payment Apps#14 of 247.9
- Money Transfer Apps#71 of 817.4
