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Updated September 29, 2026 · SumCue Editorial Team

Linxea vs Qonto

Linxea scores 8.7 and Qonto 8.6 out of 10. Compare their differences and shared features below.
Linxea

Linxea

Higher score in this comparison

8.7/10
Visit
Qonto

Qonto

8.6/10
Visit

Where Linxea and Qonto differ

Linxea vs Qonto
CompareLinxeaLinxeaReviewVisitVisitQontoQontoReviewVisitVisit
Headline rate3%Higher1.5%
Minimum deposit€100€0Lower
Access termsRedemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% onlineInstant access to the money, no notice period; remuneration activated in the app, calculated daily on the total balance and paid on the 2nd of each month; requires at least 5 eligible payment transactions of at least 1 EUR per month
Monthly fee€0Lower€9
Account kindEasy accessCash management
RegulatorsORIASNot confirmed

Same on both: Rate type (Variable), Deposit protection (EU DGS up to EUR 100,000).

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

  • Linxea scores higher overall: 8.7 vs 8.6.
  • Qonto is available in 7 more countries.
  • Minimum deposit is lower at Qonto: €0 vs €100.
  • Monthly fee is lower at Linxea: €0 vs €9.
  • Headline rate is higher at Linxea: 3% vs 1.5%.
  • Pricing model: only Linxea offers Low fees.
  • Pricing model: only Qonto offers No annual fee.

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.

Read the full Linxea review

Qonto

Qonto suits businesses that want a low-cost Mastercard debit card with included card insurance and account remuneration. It is less suitable for frequent cash withdrawals or overseas spending, because free ATM withdrawals are €0 and currency conversion costs 2%.

Read the full Qonto review

Score breakdown

Linxea vs Qonto
AreaLinxeaQonto
Cost8.4Monthly cost stays at €0 with 0% entry fee on Linxea Avenir 2 keeping entry light8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0.
Offer8.9Life cover linked to funds and bonds with variable pricing at 3%9.4Higher
Trust8.8HigherOversight by ORIAS with cover at EU ICS up to EUR 20,000 stated8.4

Licences and countries

Linxea vs Qonto
CountryLinxeaQonto
France
ORIAS 07031073
FR_ACPR PSD_PI FR_ACPR!68677

Available in 1 country for both. Additional countries for Qonto: 7.

Which one suits you

Pick Linxea if trust, headline rate, and monthly fee matter most.

Pick Qonto if offer and minimum deposit matter most.

The bill, worked out

10,000 saved for 12 months

Linxea

€300

3% of 10,000 - 12 × €0

Qonto

€42

1.5% of 10,000 - 12 × €9

Linxea comes out €258 ahead.

Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.

Sources behind this comparison

Linxea

  • linxea.com: 8 facts, checked September 26, 2026
  • bogleheads.org: 1 fact, checked September 26, 2026

Qonto

  • qonto.com: 10 facts, checked September 26, 2026
  • euclid.eba.europa.eu: 2 facts, checked September 26, 2026

How they place

Linxea vs Qonto
RankingLinxeaQonto
Savings5 of 149211 of 1492
Savings accounts4 of 6588 of 658

Every fact side by side

Linxea vs Qonto
FactLinxeaQonto
Pricing modelLow feesNo annual fee
Legal entityNot confirmedQONTO
HeadquartersNot confirmedFrance
FoundedNot confirmed2017
Support channelsNot confirmedChat, Phone, Email, Help centre

Personal insurance

Linxea vs Qonto
FactLinxeaQonto
Premium from€25Not confirmed
Insurance typesLifeNot confirmed
Provider typeBrokerNot confirmed
Monthly paymentsYesNot confirmed
AudienceExpatsBusiness
Claims channelsPhone, Email, PostNot confirmed
Age range18+Not confirmed

Credit cards

Linxea vs Qonto
FactLinxeaQonto
Annual feeNot confirmed€0
APRNot confirmed17.5%
Currency conversion feeNot confirmed2%
Rewards typeNot confirmedNone
FeaturesNot confirmedMulti currency, Virtual card, Travel
PerksNot confirmedCard insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost, Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans), Apple Pay and Google Pay compatible, 24/7 support in France, 7 days a week elsewhere
Card kindNot confirmedCredit

Where each stands against the rest

Linxea vs Qonto
FactLinxeaQontoMedian
Headline rate3%below the median1.5%lowest quarter3.3%
Minimum deposit€100highest quarter€0below the median€1
Monthly fee€0at the median€9highest quarter€0

Median across 710 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

Qonto

Pros

  • The Mastercard debit card has an annual fee of €0.
  • Card insurance for travel, business purchases and fraud is included through Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
  • Eligible Smart and Premium plans can receive account remuneration under the terms in Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).

Cons

  • Qonto charges a monthly fee of €9, while bunq lists a monthly fee of €0.
  • Free ATM withdrawals are €0, which may be costly for a business that regularly uses cash machines.
  • The currency conversion fee of 2% is above the site median of 1%.

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

Qonto

Who it suits

  • Businesses that regularly use a Mastercard debit card for travel or business purchases.
  • Smart and Premium plan customers who meet the remuneration terms in Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
  • Users who want chat, phone, email and help-centre support through chat, phone and email.

Who should look elsewhere

  • Businesses focused on low cost that may prefer bunq, whose monthly fee is €0.
  • Frequent overseas spenders who prefer Wise and want to compare its fee with Qonto's 2%.
  • Cash-heavy businesses that want free ATM withdrawals, because Qonto offers €0.

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

Qonto

Current offer

  • Free trial

    1-month free trial on all Qonto plans: 1 month free

    Shown on Basic, Smart, Premium, Essential, Business and Enterprise plan cards on the pricing page.

    Source, checked September 26, 2026

  • First period offer

    Remunerated account: 5% AER for 2 months, then 1.5% AER: 5% AER for 2 months, then 1.5% AER

    Smart and Premium plans; requires at least 5 eligible transactions per month; remunerated balance cap EUR 50,000 (Smart) or EUR 100,000 (Premium).

    Source, checked September 26, 2026

Country by country

Linxea vs Qonto
CountryLinxeaQonto
AustriaNoYes
BelgiumNoYes
GermanyNoYes
ItalyNoYes
NetherlandsNoYes
PortugalNoYes
SpainNoYes
FranceYesYes

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.

Qonto

What does Qonto charge each month?+

Qonto's account fee is €9. The Mastercard debit card itself has an annual fee of €0. The card also offers a deferred debit option on Plus and X Cards at no extra cost under Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).

What does Qonto charge for currency conversion?+

Currency conversions cost 2%. This matters for business travel or purchases made outside the account's working currency. Qonto supports multi-currency features, but the conversion charge remains 2%.

Other options to compare

Linxea

Visit

Qonto

Visit