Updated September 28, 2026 · VaultCue Editorial Team
Linxea vs Qonto
Linxea
Higher score in this comparison
Qonto
Where Linxea and Qonto differ
| Compare | LinxeaReviewVisitVisit | QontoReviewVisitVisit |
|---|---|---|
| Headline rate | 3%Higher | 1.5% |
| Minimum deposit | €100 | €0Lower |
| Access terms | Redemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online | Instant access to the money, no notice period; remuneration activated in the app, calculated daily on the total balance and paid on the 2nd of each month; requires at least 5 eligible payment transactions of at least 1 EUR per month |
| Monthly fee | €0Lower | €19 |
| Account kind | Easy access | Cash management |
Same on both: Rate type (Variable), Deposit protection (EU DGS up to EUR 100,000).
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 2017.
- Qonto is available in 7 more countries.
- Minimum deposit is lower at Qonto: €0 vs €100.
- Monthly fee is lower at Linxea: €0 vs €19.
- Headline rate is higher at Linxea: 3% vs 1.5%.
- Support channels: only Linxea offers Community.
Our verdict on each
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.
Qonto
Qonto suits businesses and freelancers who want their day to day banking in one app and will not chase the highest rate. The monthly fee of €19 is the trade off, and the 1.5% headline rate ranks 350 of 473 brands.
Score breakdown
| Area | Linxea | Qonto |
|---|---|---|
| Cost | 8.7A €0 monthly charge, offset by a €100 opening threshold that sits high in the savings ranking. | 8.8HigherA monthly fee of €19 on the standard plan and a minimum deposit of €0, against a site median of €0 |
| Offer | 9.5HigherProtection through EU DGS up to EUR 100,000 and easy access lift the offer, while a variable 3% rate caps it. | 9.1Headline rate of 1.5% is variable and sits at 350 of 473 |
| Trust | 9.2Higher | 8.3 |
Positions in our rankings
| Ranking | Linxea | Qonto |
|---|---|---|
| Savings accounts | 2 of 1420 | 8 of 1420 |
Every fact side by side
| Fact | Linxea | Qonto |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Legal entity | LINXEA (Societe par Actions Simplifiee, RCS Paris 478 958 762) | QONTO |
| Headquarters | France | France |
| Founded | 2001Lower | 2017 |
| Support channels | Email, Chat, Phone, Help centre, CommunityCovers more | Chat, Phone, Email, Help centre |
Everyday accounts
| Fact | Linxea | Qonto |
|---|---|---|
| Licence type | Not confirmed | Payment institution |
| Currency conversion fee | Not confirmed | 0.8% to 1.8% |
| Currencies | Not confirmed | from 30 |
| Audience | Not confirmed | Business, Freelancer |
| Features | Not confirmed | Digital only |
| Local account details | Not confirmed | IBAN |
| Transfer fee | Not confirmed | 30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan) |
Where each stands against the rest
| Fact | Linxea | Qonto | Median |
|---|---|---|---|
| Headline rate | 3%below the median | 1.5%lowest quarter | 3.25% |
| Minimum deposit | €100above the median | €0below the median | €1 |
| Monthly fee | €0at the median | €19highest quarter | €0 |
Median across 658 listed accounts.
Pros and cons
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%.
Qonto
Pros
- Minimum deposit of €0, so the account opens without tying up money
- Support runs on chat, phone and email
- Currency conversion of 0.8% to 1.8% suits frequent international invoicing
Cons
- The monthly fee of €19 makes it expensive for anyone holding a small balance
- The account is digital only, so there is no branch to visit
- The 1.5% rate is only paid while the transaction condition is met
Who each suits
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%.
Qonto
Who it suits
- Freelancers and sole traders billing across borders
- Small businesses paying and receiving in several currencies
- Anyone who wants their accounts, cards and invoices in one app
Who should look elsewhere
- Anyone saving mainly for yield, since the 1.5% rate is variable and ranks 350 of 473
- People who want to hold a large balance while paying nothing, given the monthly fee of €19
- Anyone who prefers a branch, as the account is digital only
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
Qonto
Current offer
Bonus
Up to 5% AER account remuneration for 2 months for new customers: 5% AER for 2 months, then 1.5% AER on the Smart plan
New customers only, first 2 months of the contract, on plans Smart and above; requires at least 5 eligible payment transactions of at least 1 EUR per month; remuneration capped at 50,000 EUR on Smart and 100,000 EUR on Premium; Account Remuneration currently available in France, Spain, Italy and the Netherlands
Source, checked September 26, 2026
Free trial
1-month free trial on business account plans: 1 month free
Offered on the Basic, Smart and Premium business account plans, prices excl. VAT
Source, checked September 26, 2026
Country by country
| Country | Linxea | Qonto |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Germany | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Portugal | No | Yes |
| Spain | No | Yes |
| France | Yes | Yes |
Questions about each
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.
Qonto
How much does Qonto cost each month?+
The standard plan charges a monthly fee of €19. SEPA transfers are included up to a set monthly allowance, and each transfer beyond it carries a small fixed charge. Currency conversion adds 0.8% to 1.8% on converted payments.
Is there a minimum deposit to open a Qonto account?+
There is no minimum, and the stated minimum deposit is €0. The account can therefore be opened and funded with a small balance, which suits a new business or a first freelance invoice.
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