Money in the current accounts of Sumeria customers residing in France and Belgium earns interest. This bonus is automatically paid each month, during the first two weeks of the following month, into the main account of those who use Sumeria as their current account.
The gross annual rate, which is currently 2%, is applied to the amounts that were present in all of the client's Sumeria accounts (the investment account and other Lydia savings accounts are therefore not counted).
Calculation
For eligible customers, Sumeria takes statements from compatible accounts every day of the previous month and applies the gross annual rate.
(somme de tous les comptes compatibles du client du jour 1 * Taux%/365) + (somme de tous les comptes compatiblesdu client du jour 2 * Taux%/365) + etcThe counter displayed in the Sumeria application provides the customer with an estimate of the net interest they have accumulated since the beginning of the calendar month*.
A simulator is also available to estimate one's remuneration.
Terms
Card used
The principle is to reward the use of Sumeria as a current account . Therefore, only calendar months* during which a card is used as such are eligible for remuneration.
Also, to avoid any misuse of the principle, card payments of less than €0.50, ATM withdrawals, and transactions intended to credit any type of account are not taken into account in the calculation of remuneration .
French and Belgian tax residents
From August 1, 2025 , Belgian tax residents will become eligible for current account remuneration, in addition to French tax residents who were the only ones previously eligible.
Sumeria owner accounts
Only Sumeria accounts owned by the client are taken into account. Money in a Lydia account, an investment account, or a joint account that does not belong to the client will therefore not be considered.
Minimum and maximum
To be granted, the amount of remuneration for one month must be at least €0.25 net (€0.50 for those who benefit from the nominal "boosted" rate).
The maximum total balance taken into account is €100,000 for customers who have subscribed to the black card , €5,000 for all others .
Taxation
The remuneration received is subject to taxation in France.
Remuneration is paid net of taxes. Sumeria takes care of the withholding tax (a single flat-rate levy of 12.8% income tax and 18.6% social security contributions) as well as the pre-declaration to the tax authorities.
In addition, the customer has the option to download their Single Tax Form (IFU) from the " Documents " section. This document, essential for declaring income received, is made available every year during the month of April.
For more information, please refer to the Terms and Conditions of the Interest-Bearing Current Account .
Additional interest per referral
Until May 27, 2025 inclusive, the referral program allows customers who introduce and convert their network to Sumeria as a current account to earn even more thanks to the gross remuneration of their referrals.
From May 28, 2025, new referrals will no longer qualify for this additional compensation. The benefits associated with referrals made before this date remain unchanged (enhanced compensation for 2 years from the date the referred person is activated).
* The "calendar month" means the period between the first and last day of said month, without regard to the date of opening of the account or subscription to an offer.
