Ma Banque vs Lydia
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Ma Banque
Manage your personal and professional bank accounts, cards, transfers, savings, loans, and insurance. Perform transactions, track your budget, and secure your operations. Access your agency services and personalize your experience.
- Real-time account balance and operations
- Domestic and international transfers
- Budget tracking and categorization
- Secure payment validation with SécuriPass
- Card management (limits, blocking, unlocking)
- Insurance quotes and loan simulations
- Messaging with advisor and appointment booking
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Ma Banque : votre banque au quotidien, simple et sécurisée Avec l’application Ma Banque du Crédit Agricole, gérez vos comptes bancaires professionnels et particuliers, vos cartes, vos virements, votre épargne, vos crédits et vos assurances en toute simplicité, où que vous soyez. Un outil complet, sécurisé et pratique, pensé pour vous accompagner jour après jour. GÉREZ VOTRE ARGENT COMME VOUS LE SOUHAITEZ • Consultez le solde de vos comptes et vos opérations en temps réel • Effectuez vos virements classiques, instantanés, en France ou à l’international • Ajoutez un bénéficiaire, partagez votre RIB • Liez vos comptes bancaires externes pour gérer tous vos comptes au même endroit • Envoyez ou demandez de l’argent avec un simple numéro de téléphone ou un e-mail avec Wero SUIVEZ VOTRE BUDGET • Pointez et catégorisez vos opérations • Visualisez vos dépenses et revenus en un coup d’œil TOUTES VOS OPÉRATIONS EN SÉCURITÉ • Validez vos paiements et opérations sensibles grâce au service SécuriPass • Recevez des notifications en temps réel de vos opérations importantes PILOTEZ VOS CARTES ET GAGNEZ EN AUTONOMIE • Gérez vos plafonds, bloquez ou débloquez vos cartes en cas de besoin • Activez vos options de paiement sans contact et à l’étranger SIMPLIFIEZ VOS DÉMARCHES EN LIGNE • Réaliser vos devis assurances, simulez vos crédits • Signez vos contrats directement depuis l'application • Consultez et téléchargez vos e-documents à tout moment VOTRE AGENCE DANS VOTRE POCHE • Prenez rendez-vous en quelques clics, échangez avec votre conseiller par messagerie • Accédez aux informations de votre agence UNE APPLICATION PENSEE POUR TOUS, A VOTRE IMAGE • Profitez de parcours adaptés pour les utilisateurs mal ou non-voyants • Activez le mode sombre pour plus de confort • Définissez un compte bancaire en favori, personnalisez vos raccourcis Testez l’application grâce au mode démo, même sans vous connecter. Crédit Agricole : Agir chaque jour dans votre intérêt et celui de la société.
Lydia
Easily send and receive money with just a phone number. Create shareable money pots to collect funds quickly. This free service prioritizes security and privacy, meeting the latest banking standards.
- Send and receive money
- Money pots for group collections
- Wire transfers via phone number
- Secure and private transactions
- Free to use
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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
Verdict
The clearest difference is ads: Lydia at none against Ma Banque's shown. Lydia also leads on rating (5.0 vs 4.6) and review sentiment (60% vs 46%). Ma Banque's advantage is ratings volume (2.1K vs 6) and device support (3 vs 1). On price, in-app purchases and iOS requirement 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Lydia holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Ma Banque has 2.1K ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 46% of Ma Banque's written reviews are positive against 60% of Lydia's.
Ma Banque ships an update fortnightly, Lydia weekly. The most recent releases landed on November 6, 2026 and November 8, 2026 respectively.
| Parameter | Ma Banque | Lydia |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (2.1K ratings) | 5.0 (6 ratings) — better |
| Positive reviews | 46.2% of reviews | 60.0% of reviews — better |
| Number of ratings | 2.1K — better | 6 |
| Update frequency | Fortnightly | Weekly — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 277 MB | 240 MB |
| Age rating | 4+ | 4+ |
| Developer | CREDIT AGRICOLE TECHNOLOGIES | LYDIA Solutions |
Customer experience
Ma Banque
Lydia
Bugs and requests
Ma Banque
Reported bugs
5 issues- Unable to log in due to security issues
- Accounts disappearing from the app
- Inconsistent transaction updates across devices
- Biometric authentication not working properly
- Inability to access account details remotely
Requested features
6 requests- Allow adding beneficiaries without delays
- Provide transaction details in original currency
- Implement push notifications for transactions
- Add support for more languages
- Improve categorization of expenses
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- Enable Apple Pay and other mobile payment options
Lydia
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Ma Banque
No in-app purchases
Lydia
No in-app purchases
