Users receive incoming Lydia payments on their "Lydia account" by default. But they can change which account is to be credited.
Lydia users
Users can for instance choose to receive incoming Lydia payments right on their main Sumeria account. They can do so by heading to the "Settings" screen in their "Profile" (left to the home screen) and tapping "Where to receive the money".
Users who don't have the Sumeria app
If users don't have the Sumeria app, they're redirected to the iOS App Store or the Google Play Store and prompted to open a free bank account by downloading Sumeria.
App version 12.30 or earlier: when users send Lydia payments using a bank card, the payment will automatically be sent to the recipient's "Lydia account".