Sumeria Referral - Next-Gen Banking
Up to €60 reward
Referral code : ZFKOQGADDW
Sumeria (formerly Lydia) is a next-gen French banking app offering a current account, physical and virtual card, and mobile payment features. The app evolved from a peer-to-peer payment tool into a full bank account with a particularly generous referral programme.
Who it's for and when
Sumeria suits those looking for a mobile-first bank account with a free card and modern features. The referral programme offers up to €60 per referral depending on current terms. It works well as either a primary or secondary account. Note: since March 2026, a €3/month inactivity fee applies if no transactions are made.
How to get it, step by step
- Create a Sumeria account using the referral code
- Order a physical card
- Complete the required actions (payments at 3 different merchants and/or annual subscription)
- Rewards are credited per current terms
Our analysis
Sumeria's referral programme offers up to €60 per referral depending on current terms at the time of signup. Exact conditions (amounts and required actions) are subject to change - check directly in the Sumeria app before signing up. The offer is time-limited.
Strengths
- Generous referral programme (up to €60 depending on terms)
- Complete and modern banking app
- Physical and virtual cards available
- Formerly Lydia - established French brand
Things to watch
- €3/month inactivity fee since March 2026 if no transactions on the account
- Referral offer is time-limited and subject to change
- Requires ordering a physical card and making qualifying purchases
Frequently asked questions
How to use the Sumeria referral code?
When creating your Sumeria account, enter the referral code via the 'Enter a code' button. The code must be entered before completing qualifying actions.
What are the conditions to earn the referral reward?
Exact conditions vary by current campaign. The total reward can reach €60 depending on actions completed by the referee. Check current terms directly in the Sumeria app before signing up.
Is the Sumeria referral offer time-limited?
Yes, the Sumeria referral offer is time-limited. Check current dates and terms in the Sumeria app or on their official website.
Sumeria vs Revolut: which neobank to choose?
Sumeria (formerly Lydia) is a French neobank with a French IBAN, ideal for domestic transfers and SEPA direct debits. Revolut offers more international features (multi-currency exchange, crypto trading). For daily use in France, Sumeria is more suitable. For frequent travellers, Revolut has the edge.
What are Sumeria card fees?
The basic Sumeria account is free with a virtual card. The physical card requires ordering (delivery fee). Sumeria+ subscription adds cashback, higher limits and insurance for a monthly or annual fee. Eurozone payments are free; non-eurozone transactions may incur fees depending on the plan.
Is Sumeria a real bank?
Sumeria (formerly Lydia) is a payment institution licensed by ACPR in France. Funds are protected and segregated. While not a traditional bank, Sumeria offers core banking services: French IBAN, transfers, direct debits, payment card and savings.
How many people can you refer on Sumeria?
The number of referrals is typically limited by current offer terms. Sumeria may cap the number of referrals or total reward amount per referrer. Check current terms in the Sumeria app for the active cap.
Can you enter the Sumeria referral code after opening your account?
Yes, this is a Sumeria (ex-Lydia) specificity: the code can be entered in the 'Moi' then 'Parrainage' screen even after opening, provided you haven't already made more than two card payments, no payment in the two months before registering the referral, and haven't subscribed to an eligible offer in the previous three months. You then have to confirm the referral message on the home screen within 7 days.
Is there an earnings cap and what is the payout time at Sumeria?
The total rewards a single referrer can earn are capped at €3,000 across the whole referral programme. Rewards tied to eligible actions are paid within an indicative 15 days after completion, straight to the Sumeria account. The exact nature and amount depend on the current offer, shown in the app's 'Parrainage' screen.
Why is my Sumeria referral not validated?
Several conditions must be met. The referee must be an adult individual with an active Sumeria account and an eligible phone number (mainland France, Réunion, Guadeloupe, Guyana, Martinique or Belgium). They must not have already made more than two card payments. They must have confirmed the referral within 7 days, then completed the actions required by the offer (often card payments at several merchants) before the deadline. If any condition is missing, neither the referrer nor the referee is rewarded.
Are Sumeria and Lydia the same app?
Yes. Lydia was renamed Sumeria: it is the same account and the same app, now under the Sumeria name. An old Lydia referral code therefore corresponds to the Sumeria referral.
How much does the Sumeria referral give?
The referrer receives up to €60 per active referee. The referee can receive up to €40 depending on the conditions met: for example €10 for 5 eligible card payments, €20 with the Sumeria+ plan, or €30 with the Black Card. Check the exact amounts in the app when signing up.
What conditions validate the Sumeria referral?
The referee must be a new customer, sign up with the referral code, verify their identity (KYC) and activate the account (first deposit or payment). Payments or subscription to an eligible plan must be made within 90 days of signing up. The referee must not have subscribed to an eligible plan in the previous 3 months.
Offer verified on 2026-06-05