Linxea review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
- Best for
- A fully online euro savings contract with no monthly charge, for savers who can start at €100.
- Headline rate
- 3%↗
- Rate type
- Variable↗
- Minimum deposit
- €100↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Redemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- LINXEA (Societe par Actions Simplifiee, RCS Paris 478 958 762)↗
- Headquarters
- France↗
- Founded
- 2001↗
- Support channels
- Email, Chat, Phone, Help-centre, Community↗
- Pricing model
- No monthly fee
- Official website
- linxea.com
Facts checked September 26, 2026, 4 sources
Apps and profiles
Pros and cons
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.
- A 3% headline rate, above the bottom quartile of savings accounts on this site, on a product with no monthly charge.
- Support runs on email, chat and phone, a wider spread than email alone.
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%.
- The capital guarantee in the access terms is stated for the euro fund, so it does not cover the rest of the contract.
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%.
Fees and FX
Fees are the easy part: €0 each month, in line with the pricing most savings brands on this site use, and the account is listed under a no monthly fee model. The only real threshold sits on the way in, because opening takes €100, and on minimum deposit Linxea ranks 306 of 370 brands, so the entry bar is well above the cheapest accounts here. Holding cost is close to nothing, which means the number that matters is what the balance earns rather than what the provider takes.
Deposit protection
Deposits sit under EU DGS up to EUR 100,000, so the balance is inside the EU guarantee rather than outside it. For a market-linked savings contract that matters, because the cover is what lets a cautious saver hold the product through a weak stretch of markets. Linxea also appears in the ORIAS register under 07031073, the French register covering insurance and financial intermediaries, so the firm's standing can be checked against that entry. Read the protection figure as a ceiling, since it caps what the scheme covers.
Access to your money
Getting money in and out is the strongest part of the offer. Subscription and management run fully online, so there is no branch visit and no paper in the process, and redemption is available from the same low entry amount as the opening deposit. The rate is variable, so the return follows the underlying fund and can fall as well as rise. That pairing suits emergency-style savings, money you may want back at short notice, rather than a lump sum you would happily commit for years.
The company behind it
The legal entity behind the account is a French company, a simplified joint stock company registered in Paris, and it has been trading since 2001. It is headquartered in France and holds an entry in the ORIAS register under 07031073, which is a useful cross-check on the legal details. Support runs on email, chat and phone, so help is not limited to email. A long trading record and a register entry together say more about staying power than any rate on offer.
How Linxea compares
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Where Linxea is available
- Available
- France
- Licence in France
- ORIAS (07031073), checked September 26, 2026
- Licence in France
- CNCGP, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
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.
Is my money protected if Linxea fails?+
Deposits sit under EU DGS up to EUR 100,000. That cover applies to the deposits you hold, which is the first thing savers check on a market-linked contract. The euro fund behind the contract also carries a capital guarantee set out in the access terms, so the safety story rests on the deposit side and the fund side at the same time.
Who regulates Linxea?+
Linxea is registered with ORIAS under 07031073, the French register for insurance and financial intermediaries, and the legal entity behind the account is a French company registered in Paris. That register entry is a direct way to confirm the firm's standing, alongside the deposit cover listed at EU DGS up to EUR 100,000.
Is the rate fixed for the whole term?+
No, the rate is variable. The headline rate is 3%, close to the typical rate across the savings ranking, but a variable rate follows the underlying fund and can fall as well as rise. Readers who need a known return over a fixed period would be better served by a product that fixes its rate.
How do I put money in and take it out?+
Subscription and management run fully online, so there is no branch visit and no paper in the process. Redemption is available from the same low entry amount as the opening deposit, and the account kind is easy access, which points to money you may want back at short notice rather than a sum you plan to tie up.
What support do I get if something goes wrong?+
Support runs on email, chat and phone, so help is not limited to sending a message. A help centre is the most common single route among savings brands here, and Linxea pairs it with phone and chat lines plus a community, which suits readers who would rather talk a problem through than write it out.
How does the rate compare with the alternatives?+
Linxea's headline rate of 3% sits below PayPal Colombia at 3.3%, and well below AXI Card Tarjeta y Credito at 21.59% and Plazo ES at 24.19%. On the savings ranking it places 242 of 473 brands, so the rate is a mid-range offer rather than an outlier.
Sources
- linxea.com checked September 26, 2026
Backs: Rate type, Support channels
“The returns of the euro funds of our insurer partners will be announced at the end of January”
- linxea.com/assurance-vie/linxea-avenir-2 checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee
“Redemption from 100 EUR; the euro funds Suravenir Rendement 2 and Suravenir Opportunites 2 are guaranteed in capital at 99.4% and 97%”
- linxea.com/decouvrir-linxea/qui-sommes-nous checked September 26, 2026
Backs: Founded
“Since 2001, our mission is to make savings accessible to everyone”
- linxea.com/mentions-legales checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Licences
“Registered office: 49 Avenue d'Iena, 75116 Paris”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.
Related by the facts
Linxea
A fully online euro savings contract with no monthly charge, for savers who can start at €100.