Updated September 29, 2026 · SumCue Editorial Team
Finom vs Linxea
Finom
Higher score in this comparison
Linxea
Finom vs Linxea: the differences
| Compare | FinomReviewVisitVisit | LinxeaReviewVisitVisit |
|---|---|---|
| Headline rate | 5%Higher | 3% |
| Rate type | Fixed | Variable |
| Minimum deposit | €0Lower | €100 |
| Access terms | Instant access, withdraw at any time with no withdrawal penalties | Redemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online |
| Account kind | Cash management | Easy access |
| Regulators | Not confirmed | ORIAS |
Same on both: Deposit protection (EU DGS up to EUR 100,000), Monthly fee (€0).
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
- Finom scores higher overall: 8.9 vs 8.7.
- Finom is licensed in 1 more country.
- Finom is available in 10 more countries.
- Minimum deposit is lower at Finom: €0 vs €100.
- Headline rate is higher at Finom: 5% vs 3%.
- Pricing model: only Finom offers No monthly fee, Fixed rate.
- Pricing model: only Linxea offers Low fees.
Our verdict on each
Finom
Finom is a cash management account for a business audience that pays a fixed 5% headline with a monthly fee of €0 and instant access whenever cash is needed. It suits companies that hold euro reserves and want deposit protection of EU DGS up to EUR 100,000 without locking the money away.
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 | Finom | Linxea |
|---|---|---|
| Cost | 9.3HigherRunning costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. | 8.4Monthly cost stays at €0 with 0% entry fee on Linxea Avenir 2 keeping entry light |
| Offer | 9.7HigherThe fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. | 8.9Life cover linked to funds and bonds with variable pricing at 3% |
| Trust | 8.2 | 8.8HigherOversight by ORIAS with cover at EU ICS up to EUR 20,000 stated |
Choosing between them
Pick Finom if cost, offer, headline rate, and minimum deposit matter most.
Pick Linxea if trust matter most.
Where they rank in our lists
| Ranking | Finom | Linxea |
|---|---|---|
| Savings | 3 of 1492 | 5 of 1492 |
The bill, worked out
10,000 saved for 12 months
Finom
€500
5% of 10,000 - 12 × €0
Linxea
€300
3% of 10,000 - 12 × €0
Finom comes out €200 ahead.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where each is licensed and available
| Country | Finom | Linxea |
|---|---|---|
| Cyprus | Not confirmed | |
| France | Not confirmed | ORIAS 07031073 |
| Netherlands | De Nederlandsche Bank (DNB) R180074 | Not confirmed |
Available in 1 country for both. Additional countries for Finom: 10.
What we checked
Finom
- finom.co: 12 facts, 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 | Finom | Linxea |
|---|---|---|
| Pricing model | No monthly fee, Fixed rate | Low fees |
| Legal entity | PNL Fintech B.V. | Not confirmed |
| Headquarters | Netherlands | Not confirmed |
| Founded | 2019 | Not confirmed |
| Support channels | Email, Chat, Help centre, Community | Not confirmed |
Credit cards
| Fact | Finom | Linxea |
|---|---|---|
| Rewards type | Cashback | Not confirmed |
| Features | Rewards | Not confirmed |
| Rewards rate | up to 3% | Not confirmed |
| Audience | Business | Expats |
Personal insurance
| Fact | Finom | 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 | Finom | Linxea | Median |
|---|---|---|---|
| Headline rate | 5%above the median | 3%below the median | 3.3% |
| Minimum deposit | €0below the median | €100highest quarter | €1 |
| Monthly fee | €0at the median | €0at the median | €0 |
Median across 710 listed providers.
Pros and cons
Finom
Pros
- A fixed 5% headline, above bunq at 3.01% and Wise at 3.29%.
- The cash management account carries a monthly fee of €0 and a minimum deposit of €0, so nothing is taken back out of the balance.
- Instant access with no withdrawal penalties, so cash can move the same day it lands.
Cons
- Support runs on email, chat and help centre only, so an urgent payment problem has no phone line to call.
- The fixed 5% rate is set rather than linked, so it carries no upside if market rates climb further.
- Deposit protection runs as EU DGS up to EUR 100,000, so a balance above that ceiling carries the risk itself.
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
Finom
Who it suits
- Companies that keep euro working capital in one place and draw on it as invoices clear, on a fixed rate of 5%.
- Business owners who care more about fees than flexibility, since the monthly charge is €0.
- Firms that want deposit protection of EU DGS up to EUR 100,000 without giving up instant access.
Who should look elsewhere
- Personal savers weighing bunq or Wise, because the account is built for a business audience rather than households.
- Anyone who needs a phone line, since support runs on email, chat and help centre only while 80.2% of savings brands take calls.
- Anyone holding more cash than the guarantee scheme covers, since protection runs as EU DGS up to EUR 100,000.
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
Finom
Current offer
Bonus
Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000
Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply
Source, checked September 26, 2026
Free trial
30-day trial on paid plans: 30 days
Paid Basic and Smart plans, excl. VAT; paid monthly or yearly
Source, checked September 26, 2026
First period offer
3 months for free for partners customers only: 3 months free
Customers introduced through the Finom Partner Program
Source, checked September 26, 2026
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 | Finom | Linxea |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Cyprus | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Poland | Yes | No |
8 of 11 countries where either is available.
Questions about each
Finom
What interest rate does Finom pay?+
Finom pays a headline rate of 5% on its cash management account, and the rate is fixed. That figure is set rather than something that follows a base rate, so the headline shown is the rate the account pays for as long as it runs. Cashback of up to 3% adds a further stream of return on top of the interest.
Is there a monthly or annual fee?+
Monthly fees on the cash management account are €0, and the pricing model is a no monthly fee setup alongside a fixed rate. The interest is the return line and nothing further is taken from the balance, so a business holding a large euro float keeps the whole 5% headline.
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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