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Sumeria (ex-Lydia)

Lydia Solutions SAS (distributeur, agent lié ORIAS 18007465) ; services crypto fournis par Bitpanda GmbH · Austria
Key points
Official sourceUnclaimedMiCA-licensed · Austria

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Summary
01OverviewRegulatory status: MiCA-licensed or not, since when→02Services & AccessibilityWhat the app actually offers, as badges→03How much it costsTransfer, card, spread and withdrawal, in euros→04Security & custodyWhere your funds are, what recourse you have→05What to know before you startSpecifics, anomalies and affiliation→06Frequently asked questionsAnswers drawn from our verified data→

01Overview

The company

Headquarters
🇦🇹 Austria
Founding date
2011
Team size
250-4999
Number of customers
≈ 7 000 000
Trustpilot
4,3/5 (19249 reviews) →

Regulation

Regulatory licences
MiCA licence
Licensing authority
FMA (Autriche), agrément MiCA de Bitpanda GmbH
Registered services
  • Custody
  • Order execution
  • Placement
  • Reception and transmission of orders
  • Transfer of crypto-assets
  • Crypto/crypto exchange
  • Crypto/fiat exchange
Register consulted
Consult the register → · verified on 07/11/2026

Sumeria (formerly Lydia) is the French banking app of Lydia Solutions. Its "Investissement" section lets customers buy and sell cryptocurrencies, precious metals and derivatives on shares and ETFs from €1, 24/7, without leaving the app. The crypto offering is provided as a white-label service by Bitpanda. Sumeria provides the interface and the customer relationship, while Bitpanda executes the orders and holds the assets under its Austrian MiCA authorisation.

02Services & Accessibility

Concrete product features, distinct from the legal scope of the licence (block 01).

Simple purchase (Simple-Buy)Integrated walletStakingCrypto cardP2P marketFuturesOptionsMargin tradingInstant verification (KYC) : not disclosed

Available cryptos: 100

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a broker, Sumeria (ex-Lydia) suits some use cases more than others.

Minimum deposit: €1Mobile appNo withdrawal to personal walletAutomatic DCADedicated pro interface: not disclosed

Minimum deposit of €1. Mandatory custody: no withdrawal to a personal wallet.

Available in France.

03How much it costs

Deposit

not disclosed

Trading

not disclosed

Holding

No known holding fees

Exit

not disclosed

Blockchain network fees always excluded (identical for everyone, not set by the platform).

Pricing not yet collected from an official source: this listing is still being compiled, fields stay empty rather than approximate.

Fee source: https://support.sumeria.eu/l/en/article/g7kokcgrin-about-the-trading-account · verified on 07/11/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

Bitpanda GmbH holds the crypto-assets under its MiCA authorisation (FMA). Lydia Solutions acts as technology partner (in-app interface) and tied agent of Bitpanda Financial Services for financial products.

05What to know before you start

Reserved for adult French tax residents with a +33 phone number.
No commission displayed, as the cost is included in Bitpanda's spread. Purchases from €1, 24/7. Scheduled investments possible from €10 (weekly, fortnightly or monthly).
No incoming or outgoing crypto transfer, no direct crypto-to-crypto swap (you must sell and then buy again), no staking.
Shares and ETFs are derivatives (no real ownership), not to be confused with the crypto offering.
Lydia Solutions has no CASP authorisation, the crypto provider is Bitpanda GmbH.
On the provider side, an FMA fine of €70 000 imposed on Bitpanda GmbH in August 2026 (the first MiCAR sanction in Austria, for a white paper not notified on time and marketing statements). Client funds were not affected (FMA announcement, https://www.fma.gv.at/en/announcement-fma-imposes-sanction-against-bitpanda-gmbh-for-breaches-against-micar/).

Compensation transparency: affiliate partnership with Sumeria (ex-Lydia): À l'étude. A partnership has no influence on ranking or the default sort order (see Methodology).

06Frequently asked questions

Is Sumeria (ex-Lydia) licensed under MiCA?

Yes. Lydia Solutions SAS (distributeur, agent lié ORIAS 18007465) ; services crypto fournis par Bitpanda GmbH is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: FMA, agrément MiCA de Bitpanda GmbH, Austria. A MiCA licence works as a passport: it allows the provider to operate across the entire European Union.

How many cryptos can you buy on Sumeria (ex-Lydia)?

100 crypto-assets are available on Sumeria (ex-Lydia).

What is the minimum deposit on Sumeria (ex-Lydia)?

The minimum deposit is 1 €.

Can you withdraw your crypto from Sumeria (ex-Lydia) to your own wallet?

No, Sumeria (ex-Lydia) does not let you withdraw your crypto-assets to a personal wallet: they remain held by the platform.

Can you stake crypto on Sumeria (ex-Lydia)?

No, Sumeria (ex-Lydia) does not offer staking.

Can you schedule recurring purchases (DCA) on Sumeria (ex-Lydia)?

Yes, Sumeria (ex-Lydia) lets you schedule recurring purchases (DCA).