EU sovereignFintech & NeobanksHeadquarters: FR

Sumeria: sovereignty score and 8 European alternatives

Sumeria is a French digital banking app from Lydia Solutions, aimed at individuals. It offers an interest-bearing account, budget and project accounts, virtual cards and a physical card, and an AI assistant called Sia. There is a free basic plan with paid tiers, and an optional paid add-on, Sumeria+. Sumeria launched in 2024 and took over the account and card services of the Lydia app; Lydia itself now focuses on transfers between friends. The service is delivered as a mobile app.

Sumeria's services are operated by Lydia Solutions, a French company with offices in Paris and other cities. Lydia Solutions is an e-money institution authorised by the French supervisor ACPR, and so not a bank. The sources consulted name no foreign owner and do not state where data is hosted. There is no open-source or self-hosted option. For European users the service falls under French and European supervision and the GDPR.

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Sovereignty score

71 / 1000 = high exposure
100 = sovereign

Jurisdiction SOV-2100
Headquartered in the EU: European law applies
Data residency SOV-3100
EU-only hosting
Cryptographic key sovereignty SOV-360
Key management with a European vendor
Freedom from lock-in SOV-640
Closed source: switching requires data migration
Source & runtime sovereignty SOV-4 · SOV-655
Closed source, runtime with the vendor

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked October 5, 2026

Headquarters	FR (EU)Verified by hand
Sovereignty model	Vendor-hosted (EU)Verified by hand
Data hosting	EUVerified by hand
Open-source	NoVerified by hand
GDPR-compliant	YesVendor-stated
Category	Fintech & Neobanks
Type	Product
Website	sumeria.eu ↗

How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to Sumeria

The European alternatives to Sumeria come from our knowledge base of over 6,800 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

116 European Fintech & Neobanks vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

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Why digital sovereignty matters with Sumeria

Sumeria is headquartered in FR and therefore falls under European law: the GDPR, NIS2 and the Data Act. No foreign legislation can compel access to your data.

Data is hosted exclusively in the EU, so Sumeria scores best on data residency.

Sumeria is closed source and hosted by the vendor. The encryption keys and the runtime sit with the vendor and switching requires data migration. Ask about bring-your-own-key, export options and open standards.

What this means for your organisation depends on your whole stack and context. The free assessment weighs Sumeria together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to Sumeria?

It depends on your use case. Strong EU alternatives to Sumeria include 1822direkt, ActivoBank and Air Bank. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to Sumeria?

Our list of EU alternatives to Sumeria is mostly commercial options. Browse the category on the map for open-source choices.

Is Sumeria GDPR-compliant and where is the data hosted?

Sumeria is headquartered in FR (EU) and hosts data in EU. That makes Sumeria an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on October 5, 2026.

Sources

Public sources used in the latest check of this record.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

Digital sovereignty in Fintech & Neobanks

Fintech & Neobanks: Digital banks, neobanks, money transfers and fintech services. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

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