Lydia is no longer just a peer-to-peer payment app with a few other features. The company says it is now building a meta-banking app, sitting above other financial products. So you’ll find and control a handful of financial products in the Lydia app. The only banking app you need Let’s go through the new features. There’s a new IBAN menu where you can add new recipients using a good old IBAN account. Lydia also asks you if you want to add specific IBANs to your own bank accounts. This way, instead of opening BNP Paribas’ app to copy and paste an IBAN into Société Générale’s app, you can add recipients from Lydia. A Lydia MasterCard and IBAN for all your transactions If you want to get a good old plastic card, you can pay an extra euro. For €3.99 per month ($4.92), you get everything I just described and a MasterCard. When you pay, the card uses your Lydia e-wallet and sends you a notification.