Updated September 29, 2026 · SumCue Editorial Team
DKB vs Linxea
DKB
Higher score in this comparison
Linxea
Where DKB and Linxea differ
| Compare | DKBReviewVisitVisit | LinxeaReviewVisitVisit |
|---|---|---|
| Headline rate | 1% | 3%Higher |
| Minimum deposit | €0Lower | €100 |
| Access terms | anytime access, payouts only to reference account | Redemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online |
| Monthly fee | €0 to €4.50 | €0 |
| Regulators | European Central Bank, Federal Financial Supervisory Authority (BaFin) | ORIAS |
| Term | 12 to 120 months | Not confirmed |
Same on both: Rate type (Variable), Deposit protection (EU DGS up to EUR 100,000), Account kind (Easy access).
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Key differences
- DKB scores higher overall: 9.3 vs 8.7.
- Regulators: only DKB offers European Central Bank, Federal Financial Supervisory Authority (BaFin).
- Regulators: only Linxea offers ORIAS.
- Minimum deposit is lower at DKB: €0 vs €100.
- Headline rate is higher at Linxea: 3% vs 1%.
- Pricing model: only DKB offers No monthly fee.
- Pricing model: only Linxea offers Low fees.
Our verdict on each
DKB
DKB suits everyday spenders seeking a Visa debit linked to a current account with monthly fees of €0 to €4.50 and currency conversion fees of 0% to 2.2%. Travel spending and online shopping stay simple with virtual card support plus helpful guides for account queries.
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 | DKB | Linxea |
|---|---|---|
| Cost | 9.3HigherMonthly fees run €0 to €4.50 with currency conversion fees of 0% to 2.2% | 8.4Monthly cost stays at €0 with 0% entry fee on Linxea Avenir 2 keeping entry light |
| Offer | 8.9Visa debit of debit on Visa with platforms on Web Banking and DKB App | 8.9Life cover linked to funds and bonds with variable pricing at 3% |
| Trust | 9.4HigherSupervision under European Central Bank and Federal Financial Supervisory Authority (BaFin) with deposit protection of EU DGS up to EUR 100,000 | 8.8Oversight by ORIAS with cover at EU ICS up to EUR 20,000 stated |
Availability and regulation
| Country | DKB | Linxea |
|---|---|---|
| France | Not confirmed | ORIAS 07031073 |
| Germany | Not confirmed |
Additional countries for DKB: 1. Additional countries for Linxea: 1.
Choosing between them
Pick DKB if cost, trust, and minimum deposit matter most.
Pick Linxea if headline rate matter most.
Where they rank in our lists
| Ranking | DKB | Linxea |
|---|---|---|
| Savings | 6 of 1492 | 5 of 1492 |
Sources behind this comparison
DKB
- dkb.de: 10 facts, checked September 29, 2026
Linxea
- linxea.com: 8 facts, checked September 26, 2026
- bogleheads.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | DKB | Linxea |
|---|---|---|
| Pricing model | No monthly fee | Low fees |
Credit cards
| Fact | DKB | Linxea |
|---|---|---|
| Annual fee | €29.88 | Not confirmed |
| APR | 6.99% | Not confirmed |
| Currency conversion fee | 0% to 2.2% | Not confirmed |
| Rewards type | None | Not confirmed |
| Features | Travel, Virtual card | Not confirmed |
| Card kind | Credit | Not confirmed |
| Audience | Student, Kids | Expats |
Personal insurance
| Fact | DKB | 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 | DKB | Linxea | Median |
|---|---|---|---|
| Headline rate | 1%lowest quarter | 3%below the median | 3.3% |
| Term | 12 to 120 monthshighest quarter | Not confirmed | 60 |
| Minimum deposit | €0below the median | €100highest quarter | €1 |
| Monthly fee | €0 to €4.50at the median | €0at the median | €0 |
Median across 710 listed providers.
Pros and cons
DKB
Pros
- Monthly fees of €0 to €4.50 keep account keeping modest next to funded rivals such as XTB at PLN 0
- Currency conversion fees of 0% to 2.2% on Visa give clear terms for travel and cross border shopping
- Card type of debit suits direct balance spending with virtual card choice from travel and virtual card
Cons
- Support runs on help centre only, so you lack phone or live chat routes for urgent card queries
- Currency conversion fees run 0% to 2.2% on Visa, so foreign card spending can add cost
- Monthly fees run €0 to €4.50, which may suit funded accounts less well than XTB at PLN 0
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
DKB
Who it suits
- Household spenders who want Visa debit spending from balance with debit rather than Kraken style crypto linked use
- Travellers and online shoppers who value Visa acceptance and travel and virtual card next to eToro card options
Who should look elsewhere
- Readers wanting phone based card help may prefer Kraken, since DKB support runs on help centre only
- Readers wanting prepaid style separation may look past DKB, since its card type is debit on Visa
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
DKB
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 | DKB | Linxea |
|---|---|---|
| France | No | Yes |
| Germany | Yes | No |
Questions about each
DKB
What monthly charges apply to the account behind the card?+
Monthly fees run €0 to €4.50 for the linked current account behind the debit card. You can keep account keeping costs modest while using the Visa for shops, cash points and online checkouts. Terms vary with account use, so review the fee table before applying.
How do foreign currency card payments work?+
Currency conversion fees run 0% to 2.2% when you pay in foreign currency with the Visa. You still get wide acceptance on Visa for holidays, business trips and cross border shopping. Check the applied rate at payment time to manage travel budgets.
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.
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