Lydia
Mobile payments, money requests and shared money pots
At a glance
- Editor scoreNot yet scored
- PricingFree plan
- Best forGroup contributions and flexible payment collection
- Free planYes
- Paid fromNone
- Split paymentsYes
- Facts checked20 Sep 2026
Where it wins
- Send or request money by phone number, email or QR code
- Create money pots and split group expenses by person
- Accept cards, bank transfers, Apple Pay and Google Pay
Where it doesn't
- Transaction-based fees can apply beyond free sending limits
- Money-pot withdrawal fees vary by funding and withdrawal method
- Focused on mobile payments rather than broader financial management
Our verdict on Lydia
Lydia is a mobile payment app from Lydia Solutions for sending and receiving money between friends and family. It supports payments by phone number, email address or QR code, as well as requests from one or more recipients. Users can receive funds in a Lydia wallet or bank account, create online money pots for events, trips and shared gifts, and use payment links for recipients who do not have the app. Lydia is available on iOS and Android.
For group collection, Lydia covers several common payment flows in one product. A money pot can accept card, bank transfer, Apple Pay and Google Pay contributions, while expense splitting lets organizers set an amount per person. Payment requests work for individual or multiple recipients, and received funds can transfer automatically to a bank account. These features make Lydia a practical fit for shared purchases, informal collections and organized group contributions. International transfers are also supported.
Lydia uses a free account with transaction-based fees rather than subscription tiers. Sending is free within the published allowance, while charges may apply beyond those limits. Money-pot withdrawals vary by funding and withdrawal method, so the total cost depends on how a collection is funded and paid out. Choose Lydia if you want flexible collection methods, group money pots and payment requests across mobile devices. It is less suitable for organizations seeking a broader financial-management suite or a simple subscription with one predictable fee structure.
Lydia pricing
Lydia fact sheet
| Free plan | Yes |
|---|---|
| Paid from | None |
| Split payments | Yes |
| Payment requests | Yes |
| Instant transfer | Yes |
| International transfers | Yes |
| Daily send limit | Not verified |
| Cash-out fee model | Variable |
| Deployment | Mobile |
| Platforms | iOS, Android |
| Compliance & security | GDPR |
| Support | Email, Docs |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 2 integrations: Apple Pay, Google Pay |
| Pricing | Free plan (source) |
| Website | lydia.me |
| Facts checked | 20 Sep 2026 |
Lydia integrations
Lydia lists 2 integrations on its own site.
- Apple Pay
- Google Pay
Alternatives to Lydia
- PhonePeA free India-focused app for everyday UPI transfers, QR payments, bills, and recharges.—
- BHIMA free UPI app covering everyday transfers, bills, QR payments and more.—
- VenmoA flexible wallet for peer payments, group expenses, scheduled requests, and cash-outs.—
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Featured on iTechGuides
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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