Remuneration is calculated and paid automatically, during the 2nd fortnight of each month, into the Sumeria account of those who use it as their current account.

From May 1 to August 31, 2024 inclusive (hereinafter the “Promotional Period”), the annual rate applied to the amount on all the customer's accounts is 4% ( assuming the minimum number of card transactions has been reached in the month).

Gross interest

The annual rate is applied to the amount held in all the customer's accounts (including money pots, up to a maximum of €100,000 in total), for each day of the previous month, if the customer has reached the minimum number of card transactions in the month (15 transactions per 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, are rewarded only:

  • calendar months during which Sumeria cards are used at least 15 times ;
  • Lydia and Sumeria accounts owned by the user can be used (i.e. not savings or investment accounts).

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 remuneration.

French Tax Residents

Only French tax residents can benefit from the bonus.

Note: to receive this interest, customers must have entered their tax residence on the application's "Personal information" screen, which can be accessed from their smartphone by clicking here.

Owned accounts

Only accounts owned by the customer are considered. Money in a shared account can only benefit its creator for the bonus.

Accounts created for fundraising are also taken into account.

€0,50 net minimum

The amount of remuneration for one month must be at least €0.50 net to be granted.

Monthly Bonus Simulator (Gross)

The amount of the remuneration received each month varies based on the money present in the user's accounts each day of the previous month.

To maximize bonuses, the customer should put money in their Sumeria accounts, use a Lydia card regularly, organize fundraisers, etc.

💰 Average balance

Remuneration 4% (gross)

€500

€1,64

€1 000

€3,28

€2 500

€8,22

€5 000

€16,44

€10 000

€32,88

€50 000

€164,38

Taxation

The bonuses received are subject to taxation in France.

Remuneration 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 remuneration received from Lydia will automatically appear on the customer's tax return for confirmation.

In the conditions provided by law, the customer can request an exemption from income tax (12.8%). However, the customer cannot request an exemption from social contributions (17.2%). The beneficiary is responsible for submitting their exemption request each year no later than November 30th to avoid being deducted the following year, by contacting their Sumeria advisor from the Application Guide tab or by clicking here from their mobile. This form must be completed and signed by hand. If you have already completed this form for the previous "Lydia bonus" offer, your declaration will automatically be taken into account for the "remunerated current account".
Customers who do not wish to benefit from the interest-bearing current account must inform customer service or click here from a cell phone. If you have already applied for the previous "Lydia bonus" offer, your application will automatically be taken into account for the "interest-bearing current account".

For more information, visit Remunerated Current Account Conditions

Extra interest per referee

The Sumeria referral program allows customers who introduce and convert their circle to using Sumeria as their current account to earn the equivalent of 50% of their referees' remuneration every month, as long as they receive a Sumeria remuneration, for a period of 2 years.

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