Create a Sumeria account
Lydia is a mobile app that allows you to send money to someone only using their phone number. Discover how to create a Lydia user account.
Access a Sumeria account
Customer account owners can only access Sumeria through a secure mobile application. But a complementary website browser version for computers is also available. If customers do not have an account,…
Identity verification
Knowing the customers and verifiying their identity is a legal obligation helping Sumeria fight against fraud and ensuring the general security of the application. All customers must therefore provid…
Closing account
The user can ask Lydia's support team to delete his account anytime just by sending an email to support@lydia-app.com with the following information: His name and first name, the phone number used for his Lydia's account, the reason for deleting the account
Which countries are eligible?
The Sumeria app can be used in several European countries. To use the app, customers must have a mobile phone number issued in one of the eligible countries. List of compatible countries within the S…
Accepted proof of identity
To verify his identity , the customer needs to provide Sumeria with a proof of identity. It must be valid, sufficiently illuminated and free from glare, contain a machine readable zone (MRZ) and all…
Proof of ID and earnings
As money is a sensitive matter, Sumeria is legally required to make some checks. The Banque de France's ACPR (namely "Autorité de Contrôle Prudentiel et de Résolution") makes this very clear. The obl…
The video selfie for identity verification
The video selfie is one of the options we recommend because it’s an easy, fast and secure solution for the user to have a verified profile.
Problems verifying identity
Occasionally, Sumeria's identity verification systems may reject valid, genuine documents. In most cases, Sumeria's systems have not been able to verify the authenticity of the document. The most com…
Expired identity document
Sumeria is obliged to use a valid document to verify the identity of its customers. Prohibition on accepting expired documents. Sumeria is prohibited by law from accepting an expired document. If the…
Account access from a computer
The customer can log in from a computer, using a browser, to consult his account. The mobile application will serve as an access key. The customer must therefore has access to the application on his…
Adding or deleting a bank card
Adding a credit card allows you to use the full capabilities of Lydia, whether this is for paying in-store, online or for sending money to friends. You can link one or more credit cards to your account.
Amount and usage restrictions
Customers who have not had their identity verified will be restricted in the use of their account. They will not be able to : receive more than €150 over 30 consecutive days;. hold more than €1,000 i…
Modifying personal information after identity verification
In order to combat fraud and ensure the general security of the application, Sumeria must know its customers and verify their identity. This is a legal obligation. Once identity verification has been…