Updated September 29, 2026 · SumCue Editorial Team
Linxea vs Mintos
Linxea
Mintos
Higher score in this comparison
Linxea vs Mintos: the differences
| Compare | LinxeaReviewVisitVisit | MintosReviewVisitVisit |
|---|---|---|
| Minimum deposit | €100 | €50Lower |
| Markets | Funds, Bonds | Bonds, ETFs, Crypto |
| Regulators | ORIAS | Latvijas Banka, LV LV |
| Deposit and withdrawal fees | 0% entry fee on Linxea Avenir 2 | Free bank transfer withdrawal; 2% card deposits |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €4.90 |
| Currency conversion fee | Not confirmed | 0.5% |
| Platforms | Not confirmed | Web, iOS, Android |
| Interest on cash | Not confirmed | 2.5% |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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
- Mintos scores higher overall: 9.2 vs 8.7.
- Regulators: only Linxea offers ORIAS.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Minimum deposit is lower at Mintos: €50 vs €100.
- Markets: only Linxea offers Funds.
- Markets: only Mintos offers ETFs, Crypto.
- Pricing model: only Linxea offers Low fees.
- Pricing model: only Mintos offers Commission free.
Our verdict on each
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.
Mintos
Mintos suits savers who want a euro account that pays interest on cash and holds investments in the same place. The account fee is €0 and the minimum deposit €50, so the running cost is thin, while an inactivity fee of €4.90 catches balances left untouched.
Score breakdown
| Area | Linxea | Mintos |
|---|---|---|
| Cost | 8.4Monthly cost stays at €0 with 0% entry fee on Linxea Avenir 2 keeping entry light | 8.9HigherA €0 account fee and bank transfers at no cost keep the base low, with €4.90 for inactivity and 0.5% on conversion. |
| Offer | 8.9Life cover linked to funds and bonds with variable pricing at 3% | 9.1HigherBonds, ETFs and crypto sit in bonds, etfs and crypto, cash pays 2.5% and entry starts at €50, a compact mix for a small saver. |
| Trust | 8.8Oversight by ORIAS with cover at EU ICS up to EUR 20,000 stated | 9.4Higher |
Where each is licensed and available
| Country | Linxea | Mintos |
|---|---|---|
| France | ORIAS 07031073 | Not confirmed |
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
What each covers
| Markets | Linxea | Mintos |
|---|---|---|
| ETFs | No | Yes |
| Crypto | No | Yes |
| Bonds | Yes | Yes |
| Funds | Yes | No |
Positions in our rankings
| Ranking | Linxea | Mintos |
|---|---|---|
| Investing | 7 of 654 | 14 of 654 |
Every fact side by side
| Fact | Linxea | Mintos |
|---|---|---|
| Features | Not confirmed | Crypto, Mobile app |
| Pricing model | Low fees | Commission free |
| Audience | Expats | Not confirmed |
| Legal entity | Not confirmed | SIA Mintos Payments |
| Headquarters | Not confirmed | Latvia |
| Support channels | Not confirmed | Email, Help centre, Community |
Personal insurance
| Fact | Linxea | Mintos |
|---|---|---|
| Premium from | €25 | Not confirmed |
| Insurance types | Life | Not confirmed |
| Provider type | Broker | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Claims channels | Phone, Email, Post | Not confirmed |
| Age range | 18+ | Not confirmed |
Savings
| Fact | Linxea | Mintos |
|---|---|---|
| Headline rate | 3% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | Redemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Where each stands against the rest
| Fact | Linxea | Mintos | Median |
|---|---|---|---|
| Minimum deposit | €100highest quarter | €50highest quarter | €1 |
| Account fee | Not confirmed | €0at the median | €0 |
| Inactivity fee | Not confirmed | €4.90above the median | €2.45 |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.4% |
| Interest on cash | Not confirmed | 2.5%below the median | 2.875% |
Median across 80 listed providers.
Pros and cons
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
Mintos
Pros
- The account fee is €0, so holding a balance open costs nothing month after month.
- The dealing model in commission free means no charge on each trade, and bonds, etfs and crypto puts bonds, ETFs and crypto in the same place.
- Cash parked on the platform earns 2.5%, so idle money still pays while you decide.
Cons
- An inactivity fee of €4.90 can be charged on a balance left unused, so a forgotten account still costs money.
- Money in and out is uneven: Free bank transfer withdrawal; 2% card deposits, so card top-ups cost where a bank transfer does not.
- Converting currency runs at 0.5%, which is the fee to watch if you hold money outside the euro.
Who each suits
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
Mintos
Who it suits
- Savers in the euro area who want cash interest alongside bond, ETF and crypto holdings without paying per trade.
- People who prefer one place for money and markets, using the mobile app in crypto and mobile app and the platforms in Web, iOS and Android.
- First-time investors who would rather not pay a commission on every trade and start from €50.
Who should look elsewhere
- Not for people who want a smaller first transfer than €50: bunq lists a minimum deposit of €10.
- Not for traders who are content to start with nothing: CFI has a minimum deposit of $0.
- Not for people weighing a Mexican lender: Fiesta Credito MX is listed with CONDUSEF rather than the Latvijas Banka register here.
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 | Linxea | Mintos |
|---|---|---|
| France | Yes | No |
Questions about each
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.
Mintos
Does Mintos charge a monthly account fee?+
No. The account fee is €0, so keeping the account open costs nothing in monthly charges. The costs that do apply are the inactivity fee of €4.90, the currency conversion charge of 0.5% and a fee on card deposits.
What happens if I leave my account untouched?+
An inactivity fee of €4.90 can be charged on a balance that sits unused, so keep a little activity or move the money out before it costs you. The account fee of €0 keeps applying while the account is open.
Other options to compare
Other matchups
- Linxea vs Airwallex
- Linxea vs HelloSafe (Atlas)
- Linxea vs Income Insurance
- Linxea vs KS/AUXILIA
- Linxea vs ActivTrades
- Linxea vs XTB
- Linxea vs Finom
- Mintos vs eToro
- Linxea vs HanseMerkur Reiseversicherung AT
- Linxea vs AXA
- Linxea vs DKB
- Linxea vs UNest
- Mintos vs bunq Spain
- Mintos vs bunq Stocks Spain
- Linxea vs Qonto
- Linxea vs Bitpanda
- Linxea vs Max Life Insurance
- Linxea vs Revolut
- Mintos vs Kraken
- Linxea vs Acko