Lydia 4

Updated data in September 2023

Lydia blue offer: price, ceilings, advantages, subscription

The Lydia Bleu offer is a mid -range offer marketed by the neobank Lydia. It allows you to benefit from a current account and a customizable visa card for less than 5 euros per month. The Lydia Bleu user also has access to all Lydia features via the mobile application. That exactly the Lydia Bleu offer contains ? How to subscribe ? Selectra tells you everything in his guide dedicated to the Lydia Bleu offer !

The Lydia Bleue card

Blue Lydia
€ 4.90/month

✔️ No income condition

�� Welcome offer ::

Welcome offer: ❌

�� Card type ::

International visa card with systematic authorization

�� Speed ::

✔️ Immediate debit | ❌ Delayed

☂️ Insurance cover ::

❌ No insurance coverage

⏳ Overdraft ::

��️ Withdrawal ceilings ::

3 free withdrawals per month up to € 250

�� Payment ceilings ::

�� Withdrawal from euro zone ::

�� Withdrawal outside the euro zone ::

3 free withdrawals per month up to € 250

✈️ Payments abroad ::

�� Mobile payment ::

✔️ Google Pay
✔️ Apple Pay

Updated data in September 2023

Lydia Bleu: Details of the card and the daily account

Lydia Bleu is the first paid offer in the Néobanque Lydia bank range of banking offers.

With Lydia Bleu, you benefit from a current account and a Immediate debit Visa bank card, Without an authorized overdraft.

A customizable card Blue Lydia card is a customizable card. You can register what you want: your mantra, your nickname, a quote, etc. !

Blue Lydia, These are also free payments in euros and currencies, as well as Some withdrawals included per month around the world.

An offer without commission on operations in foreign currency who adapts to regular travelers, expatriates or even students in exchange abroad !

There Blue Lydia card However, has some disadvantages such as the number of limited monthly withdrawals and the absence of insurance coverage abroad.

Only one card for all your Lydia accounts if you hold Several Lydia accounts (Personal account, common account, prize pool, etc.), you can choose which account to debit with your Blue Lydia card. This makes it possible not to multiply bank cards and to pay with a single card regardless of the operation !

Lydia Bleu Card and Prices

Blue Lydia
€ 4.90/month

✔️ No income condition

☑️ Current costs:

�� Account holding costs: ✔️ Included

�� Inactive account holding costs: Up to 30 €/year

☑️ Fraits abroad:

�� Withdrawal in euro zone: 250 €/30J free * within the limit of 3 withdrawals, beyond 1.50%

�� Withdrawal outside the euro zone: 250 €/30J free * within the limit of 3 withdrawals, beyond 1.50%

✈️ Payments abroad: € 5,000/30 days

☑️ Fees on payment incidents:

��️ Intervention committee: ✔️ None

�� Authorized discovered: ❌ No authorized overdraft

�� Unauthorized discovered: ❌

☑️ Fresh on transfers:

�� Instant transfer: ✔️ Free and unlimited

�� SEPA transfer: ✔️ Free

�� International transfer: �� NC

Updated data September 2023

Lydia has two advantages: its low price and reduced costs abroad.

Too bad for a paid offer not to find insurance coverage and that operations are capped.

Lydia student offer: Lydia Bleu at a low price for the youngest For those under 25, theBlue Lydia subscription is available for € 1 per month. Be careful, you shouldn’t haveLydia subscription in progress to be able to benefit from it.

Everything about the Lydia Bleu Common Account

Share the races or rent fairly, save for a project or a trip, as a couple or with friends, the Lydia Bleu offer allows you toOpen a common account in a few clicks !

Thanks to Lydia Bleu Common Account, You can add or withdraw money, view the history of payments and withdrawals at any time, integrate or remove a person from the common account, in a few seconds from the mobile application.

With Lydia Bleu, the number of common accounts is unlimited ! Ideal not to take the lead with expenses and manage your budget as well as possible regardless of the project !

How to create a Lydia Bleu Common Account ? It’s simple, here is the procedure to follow:

1. Open the LYDIA application and click on the “Accounts” tab;
2. Click on “+” then select “Duo account” for a couple or “group” for other common account types;
3. Enter a title to name the common account, for example “2022 holidays”, “trip to Greece”, “Common account”, etc. ;
4. Choose the person (s) you want to invite (by phone number or email address);
5. Define the rights of each member of the common account.

How to open a blue Lydia account ?

You want to open a blue Lydia account ? Nothing’s easier ! The neobank Lydia allows you toOpen a blue Lydia bank account in a few minutes directly from the mobile application.

Here are the different steps to follow to Open a blue Lydia account ::

1. Download the Lydia mobile application from your download platform;
2. Open the application then click on “I’m new”. Then follow the instructions: enter your phone number and choose a password and a security code for the application;
3. Click on “Next”;
4. Finalize the registration by sending the validation sms to Lydia by clicking on “Send”.

Once this registration is finalized, you must order your Lydia Bleue card. For that, here is the procedure to follow:

1. Go to the “Cards” tab of your Lydia application
2. Click on the + top right icon
3. Choose “Order a Lydia card”
4. Choose “Carte Bleue” with Lydia Bleu
5. Personalize your bank card if you wish (motto, nickname, mantra)
6. Define a payment method to pay the order of your card
7. Fill your personal information (name, first name and address) and choose your PIN code
8. And there you just have to wait for your bank card at home !

To use all Lydia services, you must Obtain “verified profile” in order to be able to subscribe to theBlue Lydia offer. Here are the steps to follow :

1. Open the Lydia app on your smartphone;
2. Click on the “Profile” tab;
3. Click on your name then on “get the verified profile status”;
4. Follow the instructions to finalize the operation.

Supporting documents to obtain the verified profile to obtain the Verified profile, You will have to provide proof of identity: identity document, passport, European residence permit, as well as proof of address: water or electricity bill, tax notice, etc.

Lydia Bleu reviews: what do customers think of it ?

The Lydia Bleu offer East Much appreciated by Lydia customers. They highlight in particular ease of use of the Lydia application as well as free operations abroad. A real plus for a low price offer ! Discover in more detail Lydia customer reviews.

“Very good application ! Clear, practical and very useful. I have Lydia Bleu and the payment card is very good, I use it a lot during my trips.»

Trustpilot reviews – 05/05/22

“I have been using Lydia for 3 years now it’s just perfect, especially with the shared account system associated with a physical blue card ! In the top !»

Trustpilot reviews – 12/13/20

If many customers highlight the qualities of Lydia, of many negative comments are also left by customers:

“Deplorable. Despite more than 20 attempts, Lydia does not want to certify my account, therefore blocking access to my money. It is unacceptable.»

Trustpilot reviews – 04/29/22

“After several years of use of Lydia and even a loan subscribed (reimbursed) I was closed my account without any reason. 60 -day notice has not been respected. By email they respond in a loop that they would not return to their decisions (. )).»

Trustpilot reviews – 04/11/22

Lydia offers: comparison of the 3 neobank offers

The neobank Lydia offers 3 different Lydia banking offers:

✔️ Lydia: 0 €/month
✔️ Blue Lydia: € 4.90/month
✔️ Black Lydia: € 7.90/month

Lydia free offer Do not allow access to a physical bank card, it is rather intended for people looking for a free secondary account that will benefit from a few virtual cards to secure their internet payments.

The Lydia Bleu offer is more suitable for everyday expenses thanks to its including physical card and unlimited payment operations in euros.

The Lydia Black offer is the premium offer of the neobank. For less than 10 euros per month, the offer includes bank card, free operations abroad, insurance and assistance, concierge by SMS, etc.

Blue Lydia assessment: our expert opinion

The Lydia Bleu offer is an interesting mid -range offer, accessible to all and without income conditions or outstanding.

It is distinguished in particular by its attractive price and its free operations in France and abroad. A real plus for an offer at less than 5 euros per month !

Her Bank card with systematic authorization without authorized overdraft allows you to best manage your budget.

We regret theAbsence of insurance coverage; especially when other competing offers offers it at equivalent prices.

Hello Bank’s Hello Prime offer! Or the Revolut Plus offer offer a service similar to the same price, with insurance coverage.

The number of free withdrawals also remains very low. It will therefore be necessary to favor payments by card so as not to exceed the monthly withdrawal quota !

FAQ Lydia Blue Card

What is the Lydia Bleu offer ?

L’Blue Lydia offer is a mid -range offer marketed by the neobank Lydia. She is Available at less than 5 €/month and includes a current account associated with a bank card with systematic authorization without authorized overdraft.

The offer Blue Lydia Allows you to pay and withdraw all over the world at no cost, within the limit of the ceilings imposed by Lydia.

How to go to Lydia Bleu ?

To move on to Blue Lydia ::

• Click on your profile in the application and then on the Lydia subscription menu.
• Then select a payment method and then accept the General Subscription Conditions.
• If you are a Lydia Black customer, you can go to Lydia Bleu by clicking on “Change subscription” on your profile.

How much Lydia Bleu costs ?

Lydia Bleu costs less than 5 €/month. The offer allows you to benefit from a current account and a bank card with payments of payments in euros and unlimited currencies.

How to renew Lydia Bleu ?

L’Blue Lydia offer is automatically renewed, whether you have a monthly or annual subscription, unless otherwise notified of the user. So you have nothing to do to renew your Lydia Bleu offer.

Lydia 4+

First opinion that I leave on an application, but this time I have to inform you how this fund management application has changed my life.
It’s been for over 2 years now that I use Lydia. At first, it was only to return or recover money that I was.
Little by little, Lydia took more and more space in the management of my funds because it has simply become obvious: no fees are applied, for no transactions when you subscribe to Lydia Bleu (I remind you that C ‘ is the derisory sum of € 1 per month). Today, as a young 20 -year -old student, I can tell you that Lydia took more space in the management of my funds than my traditional bank. I can only recommend Lydia to you! Customer service is simple, very responsive and the application is very easy to use.
It is a 5 stars for my part, which would rather be worth a 20/10!

Developer response ,

A big thank you for this feedback ! We are delighted that our Lydia Bleu offer meets your needs.
See you soon – the Lydia team

Very good student, but little better

The app is very good, but it would be necessary to go further with certain things that are missing today, such as for example … ✅ The modification of the names of the expenses, to no longer have accounting or commercial names (to be made in a community and or with an AI looking online) and revealing the logo or a linked image it would be perfect. Today is rarely the case, and not possible to send you suggestions. ✅ The rounding and microphones automatic transfers, with customizable rules (amounts, date, money entry, etc.) to automate savings – monitoring of expenses with graphics, category, forecasts,… ✅ a dashboard Fixed loads, with rent, internet, music, Netflix … and be able to manage them simply or stop them if necessary. ✅ Visuals created tailor -made for accounts, on recurring subjects such as travel, savings, projects, emergencies, … ✅ an automatic tax return and support for purchases of shares and cryptos, personally this too administrative side demotive to invest. ✅ Have assistance by conversation in the application (even with a period of x hours or x days) to have a history of exchanges in the app and be able to respond more easily if necessary. ✅ Being able to make suggestions to the Dev team in the application. Here I have finished my list for Christmas, I am available to talk about it if necessary. Thank you Team Lydia.

Timothee Beck 7, 03/12/2021

Perfect

Whether it is as a simple app to reimburse or be reimbursed or as an online bank, no complaints or almost ! I could see the evolution of the application when she converted into a bank and I immediately joined: unlike traditional banks, there is no masked fees. Recently having a card costs 1 € for the classic version, which is derisory. Your purchases are lived live and you receive a notification, all that I needed to best manage my budget. The frequent addition of new features such as cashback or more recently trading only improve the application and use that !
The only downside that there could be is the fact that one cannot deposit a check or liquid on your account, you will therefore be forced to have an account of a traditional bank, but honestly it is only ‘A small detail that for the majority of people will not affect daily life.
Congratulations on your evolution ��

Developer response ,

Hello Timothee,
A big thank you for this return ! We are proud to accompany you on a daily basis. Do not hesitate to contact us at the support [email protected] in order to take stock of the products we offer.
See you soon – the Lydia team

Confidentiality of the app

The developer Lydia Solutions indicated that the processing of data as described below could be among the practices of the app in matters of confidentiality. To find out more, consult the developer’s privacy policy.

Data used to follow you

• Identifiers
• Use data

Data establishing a link with you

The following data can be collected and linked to your identity:

• financial informations
• Contact details
• Identifiers
• Use data
• Diagnostic

Confidentiality practices may vary, in particular depending on the features you use or your age. Learn more

Information

Lydia Solutions sale

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• Developer website
• Assistance
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