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.
Offer verified on 2026-06-05