Thanks to the Lydia application, users can send money to anyone without even having their bank details: a phone number, an email address suffice.

Customers using the Lydia app

Users need to tap "Send" on the home page and follow instructions from there.

Users can enter a phone number or an email address by tapping "Phone No. / email" or by searching their contacts if they gave access to the app.

As with a bank account, it is one of the customer's accounts that will be debited. This means the selected account should have sufficient balance.

They must enter a message that explains the reason for the payment. They can also add a picture, which will be shared with the recipient.

Finally, if a customer does not recognise the recipient, he should write to customer service with the subject line "unknown recipient".

The recipient is a Lydia customer

The amount credited right away on their Lydia account.

The recipient is not a Lydia customer

They can tap on the link in the text message or email that was immediately sent to them. Doing so will lead them to a secure page where they can make the transfer request to their bank account.

They have 7 days to do so before the payment is cancelled.

Non-user of the app

It is possible to send money without the app. To do so, the recipient must make a payment request.

This will send a payment link via text message or email.