Updated September 28, 2026 · VaultCue Editorial Team
Berliner Volksbank vs Linxea
Linxea
Berliner Volksbank
Higher score in this comparison
What sets them apart
| Compare | Berliner VolksbankReviewSee alternativesSee alternatives | LinxeaReviewVisitVisit |
|---|---|---|
| Headline rate | 3.25%Higher | 3% |
| Rate type | Fixed | Variable |
| Minimum deposit | €0Lower | €100 |
| Access terms | Tagesgeldkonto: daily access, deposits and withdrawals possible daily, balance available daily, one account per customer, payment traffic only via the registered reference checking account | Redemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online |
Same on both: Deposit protection (EU DGS up to EUR 100,000), Monthly fee (€0), Account kind (Easy access).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Berliner Volksbank scores higher overall: 9.4 vs 9.1.
- Founded is lower at Berliner Volksbank: 1946 vs 2001.
- Minimum deposit is lower at Berliner Volksbank: €0 vs €100.
- Headline rate is higher at Berliner Volksbank: 3.25% vs 3%.
- Support channels: only Linxea offers Chat, Help centre, Community.
- Pricing model: only Berliner Volksbank offers Fixed rate.
Our verdict on each
Berliner Volksbank
Berliner Volksbank is a cooperative bank for savers in Germany who want daily access to a fixed-rate overnight deposit with no minimum balance and no monthly fee. The interest is set at 3.25%, the balance sits under EU DGS up to EUR 100,000, and the account runs as an easy-access product.
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 | Berliner Volksbank | Linxea |
|---|---|---|
| Cost | 9.3HigherMonthly fee of €0 and a minimum deposit of €0 keep the cost side light. | 8.7A €0 monthly charge, offset by a €100 opening threshold that sits high in the savings ranking. |
| Offer | 8.8Fixed rate of 3.25% on an easy-access account, with EU DGS up to EUR 100,000 covering the balance. | 9.5HigherProtection through EU DGS up to EUR 100,000 and easy access lift the offer, while a variable 3% rate caps it. |
| Trust | 9.8Higher | 9.2 |
Where they rank in our lists
| Ranking | Berliner Volksbank | Linxea |
|---|---|---|
| Savings accounts | 83 of 1420 | 2 of 1420 |
Where each is licensed and available
| Country | Berliner Volksbank | Linxea |
|---|---|---|
| France | Not confirmed | ORIAS 07031073 |
| Germany | Not confirmed |
Additional countries for Berliner Volksbank: 1. Additional countries for Linxea: 1.
Sources behind this comparison
Berliner Volksbank
- berliner-volksbank.de: 11 facts, checked September 26, 2026
- bafin.de: 1 fact, checked September 26, 2026
Linxea
- linxea.com: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | Berliner Volksbank | Linxea |
|---|---|---|
| Pricing model | No monthly fee, Fixed rateCovers more | No monthly fee |
| Legal entity | Berliner Volksbank eG | LINXEA (Societe par Actions Simplifiee, RCS Paris 478 958 762) |
| Headquarters | Germany | France |
| Founded | 1946Lower | 2001 |
| Support channels | Email, Phone | Email, Chat, Phone, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | Berliner Volksbank | Linxea | Median |
|---|---|---|---|
| Headline rate | 3.25%at the median | 3%below the median | 3.25% |
| Minimum deposit | €0below the median | €100above the median | €1 |
| Monthly fee | €0at the median | €0at the median | €0 |
Median across 658 listed accounts.
Pros and cons
Berliner Volksbank
Pros
- Fixed interest of 3.25% on the overnight deposit, so the return does not move with the market
- Monthly fee of €0 and a minimum deposit of €0, so the account is free to open and keep
- Daily deposits and withdrawals with the balance available daily on an easy-access account
Cons
- Only one account per customer, and payment traffic runs only via the registered reference checking account
- Chat and a help centre are not among its support channels (email and phone), which cover email and phone
- The fixed rate of 3.25% places the bank at 223 of 473 on headline rate
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
Berliner Volksbank
Who it suits
- Savers in Germany who want the balance reachable on any day
- Customers already holding a current account at the bank
- Anyone who does not want a minimum balance tied up
Who should look elsewhere
- AXI Card Tarjeta y Credito, whose headline rate of 21.59% sits far above 3.25% for savers chasing the highest yield
- Plazo ES, which quotes 24.19% and suits people willing to lock a card balance rather than rely on a fixed overnight rate
- Customers who need several accounts per person, since the bank allows one
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
Berliner Volksbank
Current offer
Bonus
Tagesgeld Aktionszins for new customers: 3.25 % p.a. on up to EUR 50,000.00 until 5 January 2027
New customers only (no holder or co-holder of a Girokonto, Tagesgeld, Festgeld, Depot or other active product in the last 12 months); adults resident in Germany; opening online from 03.09.2026 only, no branch or phone opening; voluntary contact permission required; max EUR 50,000.00, amounts above that at the standard rate of currently 0.75 % p.a.; interest paid quarterly; bank may end or adjust the promo rate for future accounts
Source, checked September 26, 2026
Bonus
200 Euro Neukundenbonus for the free Girokonto under 30: 200 EUR
Free account management for all customers under 30 with no minimum deposits; includes Gold credit card and girocard, travel insurance package and up to 10 % travel bonus on travel bookings
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 | Berliner Volksbank | Linxea |
|---|---|---|
| France | No | Yes |
| Germany | Yes | No |
Questions about each
Berliner Volksbank
What rate does the overnight deposit pay?+
The account pays a fixed rate of 3.25%. Rate type is fixed, so the figure is not moved with the wider money market the way a variable rate can be. That suits savers who want to know what the account earns.
Is there a minimum balance to open the account?+
There is no minimum balance to meet. The minimum deposit is €0, so the account opens at any funding level. Ranked on minimum deposit, the brand places 1 of 370 on the table.
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.
Other options to compare
Other matchups
Related by the facts
Linxea
Berliner Volksbank