Updated September 29, 2026 · SumCue Editorial Team
Airwallex vs Linxea
Airwallex
Higher score in this comparison
Linxea
Where Airwallex and Linxea differ
| Compare | AirwallexReviewVisitVisit | LinxeaReviewVisitVisit |
|---|---|---|
| Headline rate | 2.18% to 3.83%Higher | 3% |
| Minimum deposit | HK$0 | €100 |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Access terms | Airwallex Yield: no lock-up, no minimum balance, daily returns, funds settle to and from Yield balances within 2 business days | Redemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online |
| Monthly fee | £0 | €0 |
| Regulators | Not confirmed | ORIAS |
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
- Airwallex scores higher overall: 9.0 vs 8.7.
- Airwallex is licensed in 1 more country.
- Airwallex is available in 16 more countries.
- Headline rate is higher at Airwallex: 2.18% to 3.83% vs 3%.
Our verdict on each
Airwallex
Airwallex suits businesses that collect and pay in several currencies and want a card on the same balance. The account is a easy access one with a monthly fee of £0, and spare cash earns 2.18% to 3.83% while a debit card handles day to day spend.
Linxea
Linxea suits expats in France seeking life cover linked to funds and bonds with easy access and variable returns. Opening asks €100 with 0% entry fee on Linxea Avenir 2, headline at 3% and cover at EU ICS up to EUR 20,000 with online management.
Score breakdown
| Area | Airwallex | Linxea |
|---|---|---|
| Cost | 9.2HigherA monthly fee of £0 leads the field, but the conversion fee of 0.5% sits well above Wise. | 8.4Monthly cost stays at €0 with 0% entry fee on Linxea Avenir 2 keeping entry light |
| Offer | 9.4HigherCovers 20 currencies with a yield rate of 2.18% to 3.83% and help centre, phone and chat support. | 8.9Life cover linked to funds and bonds with variable pricing at 3% |
| Trust | 8.5 | 8.8HigherOversight by ORIAS with cover at EU ICS up to EUR 20,000 stated |
Where they rank in our lists
| Ranking | Airwallex | Linxea |
|---|---|---|
| Savings | 8 of 1492 | 5 of 1492 |
| Savings accounts | 5 of 658 | 4 of 658 |
Availability and regulation
| Country | Airwallex | Linxea |
|---|---|---|
| France | Not confirmed | ORIAS 07031073 |
| Netherlands | De Nederlandsche Bank (DNB) R179622 | Not confirmed |
| Singapore | Monetary Authority of Singapore (MAS) PS20200541 | Not confirmed |
Available in 1 country for both. Additional countries for Airwallex: 16.
Pick Airwallex if, pick Linxea if
Pick Airwallex if cost, offer, and headline rate matter most.
Pick Linxea if trust matter most.
Also worth a look
XTB has headline rate at 4%, against 2.18% to 3.83% for Airwallex and 3% for Linxea.
XTB reviewWhere these facts come from
Airwallex
- airwallex.com: 6 facts, checked September 26, 2026
- help.airwallex.com: 2 facts, checked September 26, 2026
- recordowl.com: 1 fact, checked September 26, 2026
- register.fca.org.uk: 1 fact, checked September 26, 2026
- sgpbusiness.com: 1 fact, checked September 26, 2026
Linxea
- linxea.com: 8 facts, checked September 26, 2026
- bogleheads.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Airwallex | Linxea |
|---|---|---|
| Pricing model | Not confirmed | Low fees |
| Legal entity | Airwallex (Singapore) Pte. Ltd. | Not confirmed |
| Headquarters | Singapore | Not confirmed |
| Founded | 2015 | Not confirmed |
| Support channels | Help centre, Phone, Chat | Not confirmed |
Credit cards
| Fact | Airwallex | Linxea |
|---|---|---|
| Currency conversion fee | 0.5% | Not confirmed |
| Features | Multi currency, Virtual card, Travel | Not confirmed |
| Audience | Business | Expats |
Personal insurance
| Fact | Airwallex | Linxea |
|---|---|---|
| Premium from | Not confirmed | €25 |
| Insurance types | Not confirmed | Life |
| Provider type | Not confirmed | Broker |
| Monthly payments | Not confirmed | Yes |
| Claims channels | Not confirmed | Phone, Email, Post |
| Age range | Not confirmed | 18+ |
Where each stands against the rest
| Fact | Airwallex | Linxea | Median |
|---|---|---|---|
| Headline rate | 2.18% to 3.83%above the median | 3%below the median | 3.3 |
Median across 710 listed providers.
Pros and cons
Airwallex
Pros
- A monthly fee of £0 on the business account, with a conversion fee of 0.5% on currency changes.
- The yield balance is easy access, takes a minimum deposit of HKD 0 and pays 2.18% to 3.83% on a variable rate.
- A debit card on the visa network, plus virtual cards, with access to 20 currencies.
Cons
- The conversion fee of 0.5% is well above Wise at 0.1%, which puts Airwallex at 116 of 258 on that measure.
- The account is for business users, so personal savers have no product to open.
- Money settles to and from the yield balance within a short settlement window, which can hold up a same-day supplier payment.
Linxea
Pros
- Entry premiums from €25 with monthly payments supported for gradual saving
- Ongoing account cost at €0 with 0% entry fee on Linxea Avenir 2 on Linxea Avenir cover
- Easy access structure via easy access linked to variable pricing at 3%
Cons
- Starting deposit of €100 sits above free entry at XTB at €0
- Stocks are not among its markets (funds and bonds), while DKB covers stocks, ETFs and bonds
- Cover centres on life life policies, which limits choice if you want health or travel add ons
Who each suits
Airwallex
Who it suits
- Companies paid in several currencies, since the account holds 20.
- Firms that want a debit card and virtual cards for staff spending and subscriptions.
- Businesses parking spare cash in a easy access yield balance paying 2.18% to 3.83%.
Who should look elsewhere
- Anyone whose main spend is currency conversion, because Wise charges 0.1% against 0.5% here.
- Personal savers, since the account is for business use and bunq offers a personal plan at €0 a month.
- Borrowers rather than spenders, since Varo Believe Secured Credit Card is a credit card with a monthly fee of $0.
Linxea
Who it suits
- Expats in France seeking life savings over XTB if insurance structure matters more than trading
- Cost aware savers choosing Linxea over DKB if low entry fees matter more than equity breadth
Who should look elsewhere
- Traders wanting stocks and ETFs should consider DKB for broader market breadth beyond funds and bonds
- Savers wanting free entry should consider XTB given Linxea asks €100 to open
Current offers
Linxea
Current offer
Bonus
100 EUR offerts ouverture Linxea Spirit 2 enfant mineur: 100 EUR
ouverture d'un contrat Linxea Spirit 2 pour enfant mineur
Source, checked September 26, 2026
Country by country
| Country | Airwallex | Linxea |
|---|---|---|
| Australia | Yes | No |
| Canada | Yes | No |
| China | Yes | No |
| Germany | Yes | No |
| Hong Kong | Yes | No |
| Israel | Yes | No |
| Japan | Yes | No |
| Malaysia | Yes | No |
8 of 17 countries where either is available.
Questions about each
Airwallex
What does it cost to keep an Airwallex account?+
The business account carries a monthly fee of £0. Converting money costs 0.5%, which is the main charge to watch, and card spending earns cashback of 2%. The yield balance takes a minimum deposit of HKD 0.
Is my money protected?+
Deposit protection is FSCS up to GBP 85,000. The group also appears on the registers of the Monetary Authority of Singapore and De Nederlandsche Bank, and the legal entity named in the records is Airwallex (Singapore) Pte. Ltd..
Linxea
What does it cost to start and top up Linxea cover?+
You can open Linxea Avenir cover from €100 and add premiums from €25, with monthly payments supported. Management stays online, which helps you build savings gradually. Support across phone, help centre and community can guide you on scheduled payments and redemption options.
How does the headline rate work?+
Linxea lists a headline rate of 3% on a variable basis for relevant savings. Rates can move over time, so returns may vary across periods. You should view the rate alongside fund choice and euro fund terms before deciding if the structure fits your plans for flexible savings.
Other options to compare
Other matchups
- Airwallex vs Nexo
- Linxea vs HelloSafe (Atlas)
- Linxea vs Income Insurance
- Linxea vs KS/AUXILIA
- Linxea vs ActivTrades
- Linxea vs XTB
- Airwallex vs Finom
- Airwallex vs eToro
- Linxea vs HanseMerkur Reiseversicherung AT
- Linxea vs AXA
- Linxea vs DKB
- Linxea vs UNest
- Airwallex vs bunq Spain
- Airwallex vs bunq
- Airwallex vs Qonto_AT
- Airwallex vs Qonto
- Linxea vs Mintos
- Linxea vs Bitpanda
- Airwallex vs Kraken
- Linxea vs Max Life Insurance
- Linxea vs Revolut
- Linxea vs Acko