Updated September 28, 2026 · VaultCue Editorial Team
Linxea vs XTB
Linxea
XTB
Higher score in this comparison
Linxea vs XTB: the differences
| Compare | LinxeaReviewVisitVisit | XTBReviewVisitVisit |
|---|---|---|
| Headline rate | 3% | 4%Higher |
| Minimum deposit | €100 | £0 |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Redemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online | Interest on uninvested funds, calculated daily and paid monthly within five days of month end, no minimum or maximum balance, withdraw any amount to your bank account |
| Monthly fee | €0 | £0 |
Same on both: Rate type (Variable), 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
- XTB scores higher overall: 9.3 vs 9.1.
- Founded is lower at Linxea: 2001 vs 2004.
- XTB is licensed in 6 more countries.
- XTB is available in 8 more countries.
- Headline rate is higher at XTB: 4% vs 3%.
- 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.
XTB
XTB suits savers who want their cash reachable at any moment, and traders who park money between deals. A 4% easy-access rate on uninvested funds, with support by email, chat and phone, makes it a practical holding pot for active investors rather than a rate chaser.
Score breakdown
| Area | Linxea | XTB |
|---|---|---|
| Cost | 8.7A €0 monthly charge, offset by a €100 opening threshold that sits high in the savings ranking. | 9.3HigherA monthly fee of £0 and a minimum deposit of £0 match the savings medians, and the 0.5% conversion fee matches the category median. |
| Offer | 9.5Protection through EU DGS up to EUR 100,000 and easy access lift the offer, while a variable 3% rate caps it. | 9.6HigherThe 4% rate beats the savings median of 3.08% but ranks 142 of 473, and it is variable. |
| Trust | 9.2Higher | 9.1 |
A third option
Finom has headline rate at 5%, against 3% for Linxea and 4% for XTB.
Finom reviewWhere these facts come from
Linxea
- linxea.com: 12 facts, checked September 26, 2026
XTB
- xtb.com: 10 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Linxea | XTB |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | LINXEA (Societe par Actions Simplifiee, RCS Paris 478 958 762) | XTB Limited |
| Headquarters | France | Cyprus |
| Founded | 2001Lower | 2004 |
| Support channels | Email, Chat, Phone, Help centre, CommunityCovers more | Email, Chat, Phone, Help centre |
Everyday accounts
| Fact | Linxea | XTB |
|---|---|---|
| Currency conversion fee | Not confirmed | 0.5% |
| Transfer fee | Not confirmed | Deposits free of XTB fee; withdrawals free above 100 EUR/USD, 10 EUR (or 10 USD) below |
Where each stands against the rest
| Fact | Linxea | XTB | Median |
|---|---|---|---|
| Headline rate | 3%below the median | 4%above the median | 3.25% |
Median across 659 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%.
XTB
Pros
- The easy access account pays 4% on uninvested funds, with interest calculated daily and paid monthly, and any amount withdrawn straight to a bank account.
- Running costs sit at the floor: a monthly fee of £0 and a minimum deposit of £0 on the easy access account.
- The 4% rate is above the savings median of 3.08% and higher than PayPal Colombia's 3.3%.
Cons
- On the headline rate the account ranks 142 of 473 brands, well behind AXI Card Tarjeta y Credito at 21.59% and Plazo ES at 24.19%.
- The rate is variable, so what a balance earns can shift over the months it sits there.
- Withdrawals below a set threshold carry a flat XTB fee, which matters for anyone moving money out in small bites.
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%.
XTB
Who it suits
- Traders and investors who leave cash uninvested inside a brokerage wallet, since interest is calculated daily, paid monthly and any amount can be moved to a bank account.
- Savers who put access and running cost ahead of the top rate, given that the 4% rate ranks 142 of 473 while the £0 minimum deposit ranks 1 of 370.
- UK residents who want regulated oversight alongside a cash balance, holding both the FRN 522157 and MiCA CASP 259400HM2TR4U3LF5D43 registrations in view.
Who should look elsewhere
- Savings hunters sorting purely on the headline number: Plazo ES shows 24.19% and AXI Card Tarjeta y Credito 21.59%, both well ahead of the 4% here.
- Anyone who wants a return locked for a set term, because the rate here is variable and moves with the market.
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
XTB
Current offer
Free trial
Free training account: Free
Test your investing strategies and experience the market without risking your own capital
Source, checked September 26, 2026
Country by country
| Country | Linxea | XTB |
|---|---|---|
| Belize | No | Yes |
| Chile | No | Yes |
| Cyprus | No | Yes |
| France | Yes | No |
| Germany | No | Yes |
| Poland | No | Yes |
| South Africa | No | Yes |
| Spain | No | Yes |
8 of 10 countries where either is available.
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.
XTB
What does it cost to keep uninvested cash at XTB?+
The monthly fee on the easy access account is £0, and the account runs on a no monthly fee model, so there is no standing charge for holding funds. Deposits are free of XTB fees. Currency conversion runs at 0.5%, matching the savings median of 0.5%.
Is my money protected if the firm fails?+
Deposit protection is listed as FSCS up to GBP 85,000, so anything held above that figure sits outside the scheme. The firm is authorised in the UK by the Financial Conduct Authority under FRN 522157 and registered in Cyprus with the Cyprus Securities and Exchange Commission under MiCA CASP 259400HM2TR4U3LF5D43.