Lyf Pay vs Lydia
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Lyf Pay
This mobile payment and savings app will be phasing out its services. Users will no longer be able to access its features by June 1, 2026, as the company ceases operations.
- Mobile payment services
- Savings account functionality
- Phasing out services
- Company ceasing operations
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After more than 8 years of operation, our company will cease operations in the coming months. This decision affects the Lyf Pay app, whose services will be phased out by June 1, 2026.
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.
- Send and receive money via phone number
- Create shareable money pots
- Simple and handy interface
- Secure banking standards
- GDPR compliant
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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 rating: Lydia at 5.0 against Lyf Pay's 4.5. Lydia also leads on update cadence (weekly vs monthly) and monetization model (free vs ad-supported). Lyf Pay's advantage is ratings volume (120 vs 6) and iOS requirement (13.0 vs 16.0). On price, review sentiment, 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
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 4.5. That said, the two scores are not equally well evidenced: Lyf Pay has 120 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 53% of Lyf Pay's written reviews are positive against 60% of Lydia's.
Lyf Pay ships an update monthly, Lydia weekly. The most recent releases landed on October 17, 2026 and October 14, 2026 respectively.
| Parameter | Lyf Pay | Lydia |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (120 ratings) | 5.0 (6 ratings) — better |
| Positive reviews | 53.3% of reviews | 60.0% of reviews — better |
| Number of ratings | 120 — better | 6 |
| Update frequency | Monthly | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 120 MB | 235 MB |
| Age rating | 4+ | 4+ |
| Developer | Lyf | LYDIA Solutions |
Customer experience
Lyf Pay
Lydia
In-app purchases
Lyf Pay
No in-app purchases
Lydia
No in-app purchases
