Updated 2 weeks ago by Yacine Sahnoune

The Lydia app allows you to send money to individuals for free.  

How to send money

As a payer

With the app
  1. Open the Lydia app and log in
  2. Enter the amount you want to send
  3. Enter your four-digit security code or use your fingerprint or FaceID to proceed
  4. Find the recipient in your contact list, in the suggested contacts, or by manually entering their details (phone number, email address or IBAN number)
  5. Choose the payment source that will be debited
  6. If you like, add a message and confirm the payment 

The payment method chosen at step 5 is debited and the recipient will receive a message informing them of the transfer.

Please nose: when you make a payment via Lydia, we debit your Lydia balance by default. If the balance cannot be used, we instead debit the whole amount from the bank card saved to your account. You do not need to load or top up your account. 

At step 4, a QR code will be displayed on the screen. This allows you to send a payment to someone in the vicinity who can scan the QR code with the app, without you having to choose the recipient from your contacts in-app. 

Without the app

You can also send money without the app if the recipient is a Lydia user and has sent a payment request. You can settle up by entering your card number into a secure payment form. 

As the recipient of a payment

For payments sent via Lydia, the recipient is immediately notified by SMS, email or push notification on their phone.

With the app

If you have the app, the full amount is immediately credited on your Lydia balance. You can then use this money as you see fit - to make a payment yourself, or to withdraw it to your bank account.

Without the app

If you don't have the app, or decide not to use it for this transaction, you can click on the link in the SMS or email you receive to transfer the sum to your bank account using a secure payment page.


Settling up with individuals with Lydia is easier, quicker and more secure than dated alternatives like cash or cheque. 

  • instant payments
  • guaranteed payments
  • no need for the recipient's bank details - just their phone number or email address is enough
  • no need to preemptively add the recipient as a beneficiary
  • completely free

When to use Lydia

  • Settling up with friends and family 
  • Pocket money
  • To pay people you don't know or for goods or services found in classified ads
  • To contribute to a money pot for a joint present 


Tap here to see the payment limits.

Tap here to see bank cards we accept

Usage limits

The Lydia peer-to-peer app cannot be used in the purchase or sale of goods and services, along with several other activities listed in article 13 of Lydia's terms of service.

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