Updated October 17, 2026 · VaultCue Editorial Team
iuvoSAVE vs Linxea
iuvoSAVE
Linxea
Higher score in this comparison
Where iuvoSAVE and Linxea differ
| Compare | iuvoSAVEReviewVisitVisit | LinxeaReviewVisitVisit |
|---|---|---|
| Headline rate | 5%Higher | 3% |
| Rate type | Fixed | Variable |
| Access terms | Funds can be added at any time and early exit is allowed before the due date, capped at 10 000 EUR per month per iuvoSAVE version, with a 1% fee on the amount exited early; balance becomes available automatically after the due date unless renewal is selected | Redemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online |
| Account kind | Fixed | Easy access |
| Term | 3 months | Not confirmed |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
Same on both: Minimum deposit (€100), 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 8.7.
- Founded is lower at Linxea: 2001 vs 2016.
- Headline rate is higher at iuvoSAVE: 5% vs 3%.
- Support channels: only Linxea offers Chat, Community.
- Pricing model: only iuvoSAVE offers Fixed rate.
Our verdict on each
iuvoSAVE
The iuvo portal identifies IUVO GROUP OÜ, Estonian registry code 14063375, as its operator and describes a receivables-assignment portal.
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 | iuvoSAVE | Linxea |
|---|---|---|
| Cost | 8.7 | 8.7A €0 monthly charge, offset by a €100 opening threshold that sits high in the savings ranking. |
| Offer | 9.1 | 9.5HigherProtection through EU DGS up to EUR 100,000 and easy access lift the offer, while a variable 3% rate caps it. |
| Trust | 8.4 | 9.2Higher |
Licences and countries
| Country | iuvoSAVE | Linxea |
|---|---|---|
| France | Not confirmed | ORIAS 07031073 |
Additional countries for iuvoSAVE: 1. Additional countries for Linxea: 1.
A third option
AU Small Finance Bank has headline rate at 6.75%, against 5% for iuvoSAVE and 3% for Linxea.
AU Small Finance Bank reviewHow they place
| Ranking | iuvoSAVE | Linxea |
|---|---|---|
| Savings accounts | 12 of 1420 | 2 of 1420 |
Every fact side by side
| Fact | iuvoSAVE | Linxea |
|---|---|---|
| Pricing model | No monthly fee, Fixed rateCovers more | No monthly fee |
| Legal entity | IUVO GROUP OÜ | LINXEA (Societe par Actions Simplifiee, RCS Paris 478 958 762) |
| Headquarters | Estonia | France |
| Founded | 2016 | 2001Lower |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | iuvoSAVE | Linxea | Median |
|---|---|---|---|
| Headline rate | 5%above the median | 3%below the median | 3.25% |
| Term | 3 monthslowest quarter | Not confirmed | 24 months |
| Minimum deposit | €100above the median | €100above the median | €1 |
| Monthly fee | €0at the median | €0at the median | €0 |
Median across 658 listed accounts.
Pros and cons
iuvoSAVE
Pros
- Clear focus on purchasing receivables
- Originators reviewed before offers appear
- Operated by a company registered in Estonia
Cons
- Lending through a platform carries credit risk
- Delayed payments can take time to resolve
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
iuvoSAVE
Who it suits
- Readers reviewing iuvo’s stated operator and portal description.
Who should look elsewhere
- People who need every part of their funds fully protected from loss
- Anyone seeking everyday banking products
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
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 | iuvoSAVE | Linxea |
|---|---|---|
| Belgium | Yes | No |
| France | No | Yes |
Questions about each
iuvoSAVE
Which kinds of people tend to use a receivables platform like this one?+
People who are comfortable with credit risk and understand how borrowers meet their payments tend to use a platform like this one. Those who want straightforward cash holdings usually look elsewhere first. The format fits people who are willing to study the arrangements closely before committing funds.
What kind of activity does the platform focus on?+
The platform focuses on purchasing receivables, which means buying claims on money owed through loans and other receivables offered by originators. Its range is narrow by design, so the activity does not extend to everyday banking products. People who want a broad set of services will need to look elsewhere.
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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