The interest-bearing current account

Funds in Sumeria customers' current accounts, for both French and Belgian residents, earn interest. This bonus is automatically paid each month, during the first half of the following month, into the main account of those who use Sumeria as their primary current account.

The current gross annual rate, which is 2%, is applied to the total amounts held across all of the customer's Sumeria accounts (this excludes the investment account and other Lydia money pots).

(*) By "first payment with the card", it means: the first card payment made by customers who have never made a payment with the card before, or the first card payment after a minimum period of 24 months since their last card payment for customers who have previously made payments.

Gross interest

The annual rate is applied to the amount present in all of the client's accounts (excluding money pots, up to a maximum amount of €5,000, or €100,000 for clients who have subscribed to the black card), for each day of the previous month, if the client has reached the minimum number of card transactions in the month.

Calculation

For eligible customers, Sumeria takes account statements every day of the previous month and applies the gross annual rate.

(sum of all user's account on day 1 * x%/365) + (sum of all user's account on day 2 * x%/365) + etc

Conditions

Sumeria card usage

The principle is to reward the use of Sumeria as a current account. Therefore, interest is only earned for calendar months during which a card is used in that capacity.

Also, to avoid any misuse of the principle, card payments of less than €0.50, ATM withdrawals, and operations whose purpose is to credit an account of any kind are not taken into account in the calculation of the interest.

French and Belgian Tax Residents

Starting August 1, 2025, Sumeria is expanding eligibility for current account interest. Previously, this benefit was only available to French tax residents. Now, Belgian tax residents will also be able to earn interest on their current accounts.

Owned accounts

Only accounts owned by the customer are considered (excluding money pots and investment account). Money in a shared account can only benefit its creator for the interest.

Minimum Net Interest of €0.50 or €0.25 (Depending on Eligibility)

To be granted, the interest amount for a month must be at least €0.50 net for customers benefiting from the “boosted” nominal remuneration rate, and €0.25 net for other Participants.

Monthly Bonus Simulator (Gross)

The interest amount varies depending on the money present in the accounts on each of these days (and the applicable interest rate, whether "boosted" or not).

*Money present every day across all accounts (excluding Money pots) owned by the client

**Only for participants who have subscribed to the black Card

Taxation

interest received are subject to taxation in France.

Interest is paid net of tax (70% of the gross amount). Sumeria takes care of the withholding tax (single flat-rate deduction of 12.8% income tax and 17.2% social security contributions), as well as the pre-declaration to the tax authorities. No action is required on the customer's part. Any interest received from Sumeria will automatically appear on the customer's tax return for confirmation.

Moreover, the customer can download his "Imprimé Fiscal Unique (IFU)" tax form right from the "Documents" screen in the app. This document, which is required for income declaration, is made available each year in April.

For more information, visit Interest-bearing account Terms

Extra interest per referee

Until May 27, 2025, the Sumeria referral program allows customers who introduce and convert others to using Sumeria as their current account to earn the equivalent of 50% of their referees' interest every month, as long as they receive Sumeria interest, for a period of 2 years.

Starting May 28, 2025, new referrals will no longer be eligible for this additional remuneration. However, benefits from referrals made before this date remain unchanged.