Lydia vs Taptap Send

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 Collected funds can be withdrawn in one or more transfers or used for an Amazon.fr gift card.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.

Taptap Send is a mobile app for sending money to friends and family in Africa, Asia, the Caribbean, and Latin America. It is aimed at people sending money to family and communities abroad, with service available in the UK, US, Canada, Australia, UAE, and across the EU. Depending on the route, recipients can receive funds by bank transfer, mobile money, cash pickup, or home delivery. Transfers are listed as instant, and the app lets users track transfers and schedule them. Before confirming, senders can see the exchange rate, any fee, and the amount due to the recipient. Charges vary by route, amount, and delivery method, and an exchange-rate margin may apply. There is no subscription price stated; transfer fees depend on the transfer. The app is available on Android and iOS. Sending limits depend on verification level and may also be set by destination providers. For UK users seeking higher limits, verification requires a photo ID and selfie. The company says it uses encryption and is regulated in multiple jurisdictions.