Sumeria — Banking Account AI

Lydia Solutions

About this app

The modern bank account to manage your money, track your budget, and earn interest—without fees abroad

Sumeria is a fast, secure, and intuitive mobile banking app designed to help you control your finances effortlessly. Manage your bank accounts, track your expenses, and grow your money—all in one place, trusted by millions of users.

AI-POWERED FINANCIAL ASSISTANT
SIA is your AI banking assistant. Ask questions, give commands, and instantly understand your finances. From expense tracking to smart insights, SIA helps you take action in seconds—24/7, securely.

EARN INTEREST ON YOUR MONEY
Get 2% interest on all your funds, including your current account. Your money grows automatically every month, with no effort.

TOTAL CONTROL OF YOUR MONEY
Track your balance and expenses in real time. Always know how much you can spend. Add categories, labels, and find any transaction instantly with powerful search.

EASY BUDGETING & EXPENSE TRACKING
• Organize your money with multiple sub-accounts (envelopes)
• Choose or switch the account linked to your card anytime
• Track and review every transaction
• Customize categories and subcategories for detailed insights
• Monitor your spending with clear monthly charts

NO FOREIGN TRANSACTION FEES
Pay anywhere in the world with no FX fees. Perfect for travel, online payments, and shared expenses.

SECURE & TRUSTED
Sumeria is a licensed French financial institution regulated by the ACPR.
Your funds are protected up to €100,000.
Stay safe with advanced features: Apple Pay, single-use virtual cards, real-time notifications, and iOS widgets.



Open your account in minutes, for free.
Get your card delivered within a week.
Need help? Our support team is here for you.


“Simple and effective”
“Top of the top”
“Super practical”
“No hassle”
“Brilliant”

Ratings and reviews

My friend had to send a payment to me but he mistakenly sent it to the wrong number, the number in question wasn't yet subscribed to the application. Unfortunately Lydia doesn't enable you to cancel a payment (even if the receiver doesn't have an account!!). So the mistaken receiver could receive a kind invitation to subscribe and take my money!! I am very disappointed by that lack of security

I've had a great experience with this online bank. The app is easy to use, transfers are fast, and managing my account is simple and convenient. Customer support has always been responsive and helpful whenever I needed assistance. The fees are reasonable, and everything can be done from home without needing to visit a branch. I highly recommend this bank to anyone looking for a modern and reliable banking experience.

the worst customer service I ever experienced. my account was blocked although I gave them all the justification they have asked for. I am still waiting for them to send me the balance of my account that for some reason no one answered my mail. STAY AWAY from this application NO ONE ANSWER you when you have a problem and I have the black Card that promises a 24 hours customer service BE CAREFUL !!! you putting your Money in risk.

What’s new

The app home screen has been improved: each account now always displays the Sumeria card it's linked to, and the action button for sending money is now always visible in the bottom right-hand corner of the screen. Tapping it prompts a choice between "Lydia payment" and "Wire transfer" with a new animation.