Lydia - Current account

24.2K reviews
Content rating
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About this app

After having revolutionised payments between millions of people, Lydia is now reinventing their bank account.

In a few seconds you can:
- Pay any contact with a phone number free of charge and securely.
- Request a reimbursement from a friend or share a bill.
- Collect money for all your events with money pools.

Lydia is now revolutionising your current account:
- Spend your money from Lydia via our physical cards or Internet Visa.
- Forget about unpleasant surprises abroad, your payments and withdrawals are free of charge.
- Enjoy contactless, with no limit on the amount, for all your purchases via Google Pay.
- Track your balance, and receive instant notifications for each of your payments and bank transfers.
- Create sub-accounts to better organise your money, or shared accounts to facilitate your spending as a couple, as a roommate or as a family.

But also…
- Secure your internet payments with Internet Cards
- Connect all your bank accounts to Lydia, in order to only use one app.

And now, you can access small express loans, from 3 to 36 months for a maximum annual percentage rate of 21.03% (example: € 600 over 3 months for a total cost of € 614.10 including € 14.10 of administration fees or € 2000 over 24 months for a total cost of € 2395.68 including € 359.68 of interest and € 36 of administration fees), on top of which there is a maximum fee of € 24.90 only for the option of instant fund availability.

100% secure, the Lydia app is developed in Paris by a passionate and independent team, complying with the latest banking and IT security standards. Lydia respects your privacy and the European GDPR directives.
Updated on
Aug 18, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 4 others
This app may collect these data types
Location, Personal info and 8 others
Data is encrypted in transit
You can request that data be deleted
24.2K reviews
A Google user
January 5, 2020
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
14 people found this review helpful
Lydia Solutions
January 14, 2020
Hi, When you send money to a phone number, it's important de check if it's the right number. If you send it to a number not linked to a Lydia account, if the receiver doesn't do anything, the transaction is automatically cancelled after 8 days. If you have any questions, you can contact us at ! Best regards, Lydia Team
Olivier E
June 3, 2022
The last version is not working. It repeatedly crashes after a few seconds. Reinstall didn't fix it. I have to move to another payment app and cancel membership :(
11 people found this review helpful
Lydia Solutions
June 15, 2022
Hello Olivier, We're sorry for the issues you're facing. We are unable to retrieve your account, but please don't hesitate in contacting our support team at so that we can review the situation together. See you soon - The Lydia team
Valérian Fauvel
May 30, 2022
It's meant to be a one stop shop for all your accounts but the bridge with Société générale (one of France's largest bank) doesn't even work properly... So I can't even top up my account let alone start using their bank account / cards. Too bad the shared account function was interesting. I'll look at neobanks that care about the planet there's quite a few coming up at least I waste my time for something positive!
2 people found this review helpful
Lydia Solutions
June 8, 2022
Hello Valerian, We are sorry for the difficulties you are experiencing. Our support team has sent you an email in order to review the situation with you. See you soon - The Lydia team