Comparison

Swile vs Lydia

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Swile

This app consolidates all your employee benefits, including meal vouchers, gift cards, and personal funds, onto a single virtual card. Manage your balance, view transactions, and access your PIN code all within the application.

Highlights
  • Consolidated employee benefits
  • Virtual card for mobile payments
  • View balance and transactions
  • Access PIN code
  • Donate to charities
  • Exclusive deals and offers
Features
Read full description

Swile, the card and app for employees. We can't make it any simpler than that. Swile is: - The card that makes it ultra-easy to spend all your employee benefits: Meal vouchers, gift cards, mobility vouchers, holiday benefits, and even your personal money. Why spend time shuffling through different cards and vouchers when there's one card that can do it all? - The card that you can use almost anywhere: You heard us right - if you're out and about right now, look up and walk into the restaurant or store in front of you. And voilà, your Swile card will work in there! - The card that lets you spend down to the very last penny. You never need to hear "Sorry, we don't give change!" again! ». - The card you can use to pay for anything without worrying about the payment limit or remaining balance. Sure, we were all told at school that mental maths is great and all, but you don't need it with us. - Plus, it's a 100% virtual card. You can choose to have it on your phone or on your phone, and not in your wallet. So, no plastic, even if it used to be seen as fantastic. Swile is also: - The application that lets you view your balance, past transactions and PIN code. In short, anything that can be view, you can view it with Swile. - The app that makes it easier to donate to your charities of choice. - The app that boosts your purchasing power with good deals. The Swile app is all about off course, there are many new features to come that will totally blow your mind, sweep you off your feet, take your breath away, but we don't want to get carried away. If you want to let us know how much you love Swile, get in touch at: hello@swile.fr Why not give us a follow? Find us on: Linkedin - Twitter - Instagram - Facebook - but not on the streets! Have a good day with Swile.

About

Lydia

Easily send and receive money with just a phone number. Create shared money pots to collect funds quickly. This free service offers a simple alternative to traditional banking methods, prioritizing security and user privacy.

Highlights
  • Send and receive money via phone number
  • Create shareable money pots
  • Simple and handy interface
  • Secure banking standards
  • GDPR compliant
Read full description

Millions of French users open Lydia each month to send and receive money and collect funds with money pots. Simple and handy, this free app will make you forget about counting pocket change and fussing with wire transfers. Make a wire transfer with just a phone number. And start collecting money right away with a shareable money pot URL available in three clicks. Lydia is a French service developed in Paris, Lyon, Bordeaux and Nantes by a passionate and independent team meeting the latest banking and computer security standards, respecting your privacy and complying with the GDPR.

Screenshots

Swile4 screens
Lydia4 screens

Verdict

The call

The clearest difference is review sentiment: Swile at 88% against Lydia's 60%. Swile also leads on ratings volume (351 vs 6). Lydia's advantage is monetization model (free vs free with in-app purchases) and rating (5.0 vs 4.7). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Lydia holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Swile has 351 ratings behind it against 6, so its average is the more settled of the two. Written reviews complicate that: 88% of Swile's written reviews are positive against 60% of Lydia's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly weekly. Both last shipped on October 24, 2026.

Scorecard4 real differences · 6 level
Swile versus Lydia: the parameters behind the verdict, then further details
ParameterSwileLydia
PriceFreeFree
Rating4.7 (351 ratings)5.0 (6 ratings) — better
Positive reviews88.5% of reviews — better60.0% of reviews
Number of ratings351 — better6
Update frequencyWeeklyWeekly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhoneiPhone
Requires iOS16.016.0
Further details — not scored
Size240 MB243 MB
Age rating4+4+
DeveloperSwileLYDIA Solutions

Customer experience

Swile

All ratings349 ratings
Positive91.7%
Neutral4.3%
Negative4.0%
Written reviews26 reviews
Positive88.5%
Neutral3.8%
Negative7.7%

Lydia

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews25 reviews
Positive60.0%
Neutral4.0%
Negative36.0%

In-app purchases

None

Swile

No in-app purchases

None

Lydia

No in-app purchases

Questions

Is Swile free?
Swile is free to download, with no in-app purchases.
Is Lydia free?
Lydia is free to download, with no in-app purchases.
Which has better reviews, Swile or Lydia?
Lydia is rated higher. Swile averages 4.7 out of 5 from 351 ratings, while Lydia averages 5.0 from 6 ratings.
Do Swile or Lydia have ads?
Neither Swile nor Lydia shows ads.
Which is updated more often, Swile or Lydia?
Swile ships an update weekly, and Lydia weekly. Most recently, Swile was updated on October 24, 2026 and Lydia on October 24, 2026.

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