Bank cards immediately debited
When you send money to someone, the amount is immediately debited from your card or balance, so that we can make sure that you have sufficient funds to send this amount to your contact. Lydia is a trusted third party.
If the recipient already uses Lydia, the amount is instantly credited to their balance. If they don't use Lydia, they have seven days to accept the money by entering their account details. They will then be credited with the amount you have sent.
If they don't accept your transfer within seven days, the transaction is cancelled and the payment method used will be recredited.