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Updated September 28, 2026 · VaultCue Editorial Team

Finom vs Linxea

Finom scores 8.9 and Linxea 9.1 out of 10. Compare their differences and shared features below.
Finom

Finom

8.9/10
Visit
Linxea

Linxea

Higher score in this comparison

9.1/10
Visit

What sets them apart

Finom vs Linxea
CompareFinomFinomReviewVisitVisitLinxeaLinxeaReviewVisitVisit
Headline rate5%Higher3%
Rate typeFixedVariable
Minimum deposit€0Lower€100
Access termsInstant access, withdraw at any time with no withdrawal penaltiesRedemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online
Account kindCash managementEasy access

Same on both: Deposit protection (EU DGS up to EUR 100,000), Monthly fee (€0).

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

  • Linxea scores higher overall: 9.1 vs 8.9.
  • Founded is lower at Linxea: 2001 vs 2019.
  • Finom is licensed in 1 more country.
  • Finom is available in 10 more countries.
  • Minimum deposit is lower at Finom: €0 vs €100.
  • Headline rate is higher at Finom: 5% vs 3%.
  • Support channels: only Linxea offers Phone.
  • Pricing model: only Finom offers Fixed rate.

Our verdict on each

Finom

Finom suits freelancers and small businesses that want a euro cash account with a set rate and instant access. A minimum deposit of €0 and local IBAN details make it easy to open, though the fixed rate will not follow the market and support runs on email, chat and help centre only.

Read the full Finom review

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.

Read the full Linxea review

Score breakdown

Finom vs Linxea
AreaFinomLinxea
Cost9.3HigherCosts sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%.8.7A €0 monthly charge, offset by a €100 opening threshold that sits high in the savings ranking.
Offer9.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate.9.5Protection through EU DGS up to EUR 100,000 and easy access lift the offer, while a variable 3% rate caps it.
Trust8.29.2Higher

Licences and countries

Finom vs Linxea
CountryFinomLinxea
CyprusNot confirmed
FranceNot confirmed
ORIAS 07031073
NetherlandsNot confirmed

Available in 1 country for both. Additional countries for Finom: 10.

How they place

Finom vs Linxea
RankingFinomLinxea
Savings accounts1 of 14202 of 1420

Every fact side by side

Finom vs Linxea
FactFinomLinxea
Pricing modelNo monthly fee, Fixed rateCovers moreNo monthly fee
Legal entityPNL Fintech B.V.LINXEA (Societe par Actions Simplifiee, RCS Paris 478 958 762)
HeadquartersNetherlandsFrance
Founded20192001Lower
Support channelsEmail, Chat, Help centre, CommunityEmail, Chat, Phone, Help centre, CommunityCovers more

Everyday accounts

Finom vs Linxea
FactFinomLinxea
Currency conversion fee1%Not confirmed
Currencies17Not confirmed
AudienceBusiness, FreelancerNot confirmed
FeaturesFree ATMNot confirmed
Local account detailsIBANNot confirmed
Free ATM withdrawals€10,000Not confirmed
Transfer feeFree outgoing SEPA transfers up to EUR 2,500 per month (Solo plan); outgoing international payments 1% (Solo) to 0.20% (Pro)Not confirmed

Where each stands against the rest

Finom vs Linxea
FactFinomLinxeaMedian
Headline rate5%above the median3%below the median3.25%
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

Finom

Pros

  • The minimum deposit is €0, so an account can be opened without a large opening balance.
  • The transfer fee leaves outgoing SEPA transfers free on the Solo plan within a monthly limit.
  • Local IBAN details sit alongside 17 currencies, so one account can take payments in several currencies.

Cons

  • The interest rate is fixed, so it will not rise with the market while most savings accounts here are variable (79%).
  • The transfer fee for outgoing international payments is higher on the Solo plan than on the Pro plan.
  • Deposit protection is EU DGS up to EUR 100,000, so any balance above that cap sits outside the scheme.

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

Finom

Who it suits

  • Freelancers and sole traders who need local IBAN details and can move money the same day it arrives.
  • Small businesses paid in euros by clients abroad who want several currencies in one place.
  • Readers who want a set rate on working money rather than the highest variable rate on the table.

Who should look elsewhere

  • Anyone ranking purely on the headline figure, since Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59%.
  • Variable rate savers, since 79% of the brands in this group pay a variable rate and the Finom rate is fixed.
  • Readers happy with a wallet and a smaller return, since PayPal Colombia lists 3.3%.

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

Finom

Current offer

  • Bonus

    Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000

    Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply

    Source, checked September 26, 2026

  • Free trial

    30-day trial on paid plans: 30 days

    Paid Basic and Smart plans, excl. VAT; paid monthly or yearly

    Source, checked September 26, 2026

  • First period offer

    3 months for free for partners customers only: 3 months free

    Customers introduced through the Finom Partner Program

    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

Finom vs Linxea
CountryFinomLinxea
AustriaYesNo
BelgiumYesNo
CyprusYesNo
GermanyYesNo
IrelandYesNo
ItalyYesNo
NetherlandsYesNo
PolandYesNo

8 of 11 countries where either is available.

Questions about each

Finom

What does it cost to keep a Finom account?+

The monthly fee is €0 and the minimum deposit is €0, so there is no cost to holding a balance and no need for a large opening payment. The charge that matters is currency conversion at 1%, plus outgoing international payments, which cost more on the Solo plan than on the Pro plan.

Is my money protected if something goes wrong?+

Balances sit under the EU deposit guarantee scheme, with protection stated as EU DGS up to EUR 100,000. Finom is entered on the Dutch register as R180074 and on the Cypriot register as 456/25, so more than one supervisor is watching the business.

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

Finom

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Linxea

Visit