Updated September 28, 2026 · VaultCue Editorial Team
Airwallex vs Linxea
Airwallex
Linxea
Higher score in this comparison
Airwallex vs Linxea: the differences
| Compare | AirwallexReviewVisitVisit | LinxeaReviewVisitVisit |
|---|---|---|
| Headline rate | 2.18% to 3.83%Higher | 3% |
| Minimum deposit | HK$0 | €100 |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Access terms | Airwallex Yield: no lock-up, no minimum balance, daily returns, funds settle to and from Yield balances within 2 business days | Redemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online |
| Monthly fee | HK$2,499 | €0 |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- Linxea scores higher overall: 9.1 vs 8.6.
- Founded is lower at Linxea: 2001 vs 2015.
- Airwallex is licensed in 4 more countries.
- Airwallex is available in 68 more countries.
- Headline rate is higher at Airwallex: 2.18% to 3.83% vs 3%.
- Support channels: only Linxea offers Chat, Phone, Community.
Our verdict on each
Airwallex
Airwallex Yield suits businesses that want idle operating cash to earn a variable rate without tying it up. The Hong Kong account charges a monthly fee of HKD 2,499 on top of a 2.18% to 3.83% rate, and the account is easy access, so the balance stays reachable.
Linxea
Linxea suits savers in FR who want a euro savings contract they can reach online at any time, protected on the deposit side. The trade-off is a variable 3% rate and a €100 entry point, which leave the offer well short of the rate leaders.
Score breakdown
| Area | Airwallex | Linxea |
|---|---|---|
| Cost | 8.8HigherA monthly fee of HKD 2,499 sits above the €449 highest fee in the comparison, offset by a HKD 0 minimum. | 8.7A €0 monthly charge, offset by a €100 opening threshold that sits high in the savings ranking. |
| Offer | 8.5 | 9.5HigherProtection through EU DGS up to EUR 100,000 and easy access lift the offer, while a variable 3% rate caps it. |
| Trust | 8.5 | 9.2Higher |
A third option
Finom has headline rate at 5%, against 2.18% to 3.83% for Airwallex and 3% for Linxea.
Finom reviewHow they place
| Ranking | Airwallex | Linxea |
|---|---|---|
| Savings accounts | 3 of 1420 | 2 of 1420 |
Every fact side by side
| Fact | Airwallex | Linxea |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee |
| Legal entity | Airwallex Capital Hong Kong Limited | LINXEA (Societe par Actions Simplifiee, RCS Paris 478 958 762) |
| Headquarters | Singapore | France |
| Founded | 2015 | 2001Lower |
| Support channels | Email, Help centre | Email, Chat, Phone, Help centre, CommunityCovers more |
Money transfer
| Fact | Airwallex | Linxea |
|---|---|---|
| Transfer fee | Explore plan: $0 domestic (US/Canada) local transfer, $1-$7 per international local transfer, $15 SWIFT (SHA), $25 SWIFT (OUR) | Not confirmed |
| Exchange rate markup | 0.5% to 1% | Not confirmed |
| Delivery time | As little as 1 business day; 90%+ of transfers arrive same day | Not confirmed |
| Payout methods | Bank | Not confirmed |
| Currencies | from 20 | Not confirmed |
| Fee to send 1,000 | $1 | Not confirmed |
Everyday accounts
| Fact | Airwallex | Linxea |
|---|---|---|
| Audience | Business | Not confirmed |
Where each stands against the rest
| Fact | Airwallex | Linxea | Median |
|---|---|---|---|
| Headline rate | 2.18% to 3.83%above the median | 3%below the median | 3.25 |
Median across 658 listed accounts.
Pros and cons
Airwallex
Pros
- Airwallex Yield has no lock-up and no minimum balance, with returns added daily and a short settlement window on and off the balance
- A variable rate of 2.18% to 3.83% with a minimum deposit of HKD 0
- Exchange rate margins of 0.5% to 1% sit under the 2.08% upper quartile for money services here
Cons
- A monthly fee of HKD 2,499 sits well above the €449 highest fee among the business accounts compared
- Support runs on email and help centre only
- The rate is variable, so the return can move rather than being locked in for a term
Linxea
Pros
- Deposits sit under EU DGS up to EUR 100,000, so a saver has a named scheme behind the balance.
- The account kind is easy access, and subscription and management run fully online, so money stays reachable.
- Registered in the ORIAS register under 07031073 and trading since 2001, the firm has a long record behind the contract.
Cons
- The rate is variable, so the 3% headline can move with the underlying fund and is not fixed for the life of the account.
- Opening needs €100, and Linxea ranks 306 of 370 brands on minimum deposit, so the entry bar is a high one.
- On headline rate Linxea sits at 242 of 473 brands, behind PayPal Colombia at 3.3% and further behind AXI Card Tarjeta y Credito at 21.59%.
Who each suits
Airwallex
Who it suits
- Businesses that keep spare cash in a easy access account and want a return without a lock-up
- Companies paying and collecting across borders, with from 20 currencies supported and margins of 0.5% to 1%
Who should look elsewhere
- Not for anyone after a card balance rate: AXI Card Tarjeta y Credito lists 21.59% and Plazo ES lists 24.19%, far above the 2.18% to 3.83% on business cash here
- Not for a consumer wallet: PayPal Colombia lists 3.3%, while this account is built for business customers with a HKD 2,499 monthly fee
Linxea
Who it suits
- Savers in FR who want a euro contract opened and run fully online.
- People who want no monthly charge, since the account is €0 and listed under a no monthly fee model.
- Savers who read deposit cover before anything else, since the money sits under EU DGS up to EUR 100,000.
Who should look elsewhere
- Not for anyone ranking offers on the headline number, since PayPal Colombia lists 3.3% against Linxea's 3%.
- Not for savers who want a locked return, since Linxea's rate is variable and Plazo ES is the alternative to weigh when the headline rate is the priority, at 24.19%.
Current offers
Airwallex
Current offer
Bonus
Limited offer - business rewards with Airwallex AI: Up to HK$68,888
Hong Kong site offer banner linking to the 2026 Airwallex AI rewards campaign page
Source, checked September 26, 2026
Linxea
Current offer
Bonus
100 EUR offered for opening a Linxea Spirit 2 contract for your minor child: 100 EUR
On opening a Linxea Spirit 2 contract for a minor child
Source, checked September 26, 2026
Bonus
Netissima / Suravenir Opportunites 2 bonus yield offer: +1.00% net (at least 30% in unit-linked) or +1.50% net (at least 50% in unit-linked) on the 2026 and 2027 yields; non-guaranteed target 4.50% net
Payments from 15/09/2026 to 31/12/2026 of at least 20,000 EUR, free management, split between the euro fund and unit-linked accounts; no scheduled payments and no payment from a redemption or Pacte transfer at Suravenir
Source, checked September 26, 2026
Country by country
| Country | Airwallex | Linxea |
|---|---|---|
| Australia | Yes | No |
| Austria | Yes | No |
| Belgium | Yes | No |
| Brazil | Yes | No |
| Bulgaria | Yes | No |
| Canada | Yes | No |
| Cayman Islands | Yes | No |
| China | Yes | No |
8 of 69 countries where either is available.
Questions about each
Airwallex
What rate does the balance earn?+
Airwallex Yield pays a variable rate, currently 2.18% to 3.83%. The account kind is easy access, so the money is not tied to a term. Returns are added daily, and funds settle to and from Yield balances over a short settlement window.
Is there a minimum deposit or a lock-up?+
There is no lock-up and no minimum balance, and the stated minimum deposit is HKD 0. That makes the balance easy to try with a small sum and easy to top up or draw on. Cash moves to and from Yield balances across a short settlement window rather than on a fixed term.
Linxea
What does Linxea charge to hold the account?+
There is no monthly charge: the fee is €0 and the account is listed under a no monthly fee model, a common pricing setup in the savings ranking. The only threshold that matters at the start is the €100 minimum deposit, so what the account costs you is what your money earns rather than what the provider takes.
How much money do I need to open it?+
The minimum deposit is €100, and the same level is where redemption starts, so money can move in and out at that entry point. It is not the lowest bar on the market: on that measure Linxea ranks 306 of 370 brands, which makes it harder to place a very small first sum than with cheaper accounts here.
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