Lydia allows you to make transfers to and from bank accounts, using an IBAN as an identifier in the following situations:

• Lydia with IBAN
• Top up your Lydia wallet
• Participate in a money pot
• Recover or transfer money received with Lydia

By standard, if they are executed “ instant ”, transfers are received and credited immediately (less than a minute), but sometimes they are executed with a time lag, depending on the case and/or the bank.

For security reasons, or because the “instant” banking network is unavailable, the transfer can be carried out as a “classic” transfer, i.e. not instant. In this case, it can take up to 3 days for the money to be credited to the account.

Finally, some banks do not refresh the balance and/or transaction history continuously. Even a successful instant transfer may not appear or be credited for several minutes.

Users are therefore asked to accept a delay of up to 3 days.

More than 3 days and still no money?

The first thing to do is to check the transfer order, either in the Lydia application or in your e-mails, and then verify it in the application of the sending or receiving bank.

Checks from the application that sent the transfer

• Did the transfer order go through?
• Is it the right IBAN?
• Is the amount correct?

Checks from the application that should have received the transfer

Hasn't the transfer already arrived and been spent? To do this, you need to search the account's transaction history for traces of an incoming transfer of the same amount. If it's there, the money has already been received and spent.

If everything seems fine, contact customer service.