Updated September 29, 2026 · SumCue Editorial Team
Linxea vs Revolut
Linxea
Revolut
Higher score in this comparison
Linxea vs Revolut: the differences
| Compare | LinxeaReviewVisitVisit | RevolutReviewVisitVisit |
|---|---|---|
| Headline rate | 3% | 4%Higher |
| Minimum deposit | €100 | £0 |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Redemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Monthly fee | €0 | £0 |
| Regulators | ORIAS | Cyprus Securities and Exchange Commission (CySEC), LT BL |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- Revolut scores higher overall: 9.2 vs 8.7.
- Regulators: only Linxea offers ORIAS.
- Regulators: only Revolut offers Cyprus Securities and Exchange Commission (CySEC), LT BL.
- Revolut is licensed in 2 more countries.
- Revolut is available in 28 more countries.
- Headline rate is higher at Revolut: 4% vs 3%.
- Pricing model: only Linxea offers Low fees.
- Pricing model: only Revolut offers No monthly 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.
Revolut
Revolut suits people who want everyday banking, travel spending and easy-access savings in one app. Its debit account has a monthly fee of £0, a free ATM allowance of £200 and multi-currency, virtual-card and travel features, although its currency conversion fee can reach 0% to 2%.
Score breakdown
| Area | Linxea | Revolut |
|---|---|---|
| Cost | 8.4Monthly cost stays at €0 with 0% entry fee on Linxea Avenir 2 keeping entry light | 9.4HigherThe debit account has a monthly fee of £0, while its currency conversion fee is 0% to 2%. |
| Offer | 8.9Life cover linked to funds and bonds with variable pricing at 3% | 9.8HigherThe offer includes multi-currency, virtual-card and travel features, plus a headline savings rate of 4%. |
| Trust | 8.8HigherOversight by ORIAS with cover at EU ICS up to EUR 20,000 stated | 8.5 |
Choosing between them
Pick Linxea if trust matter most.
Pick Revolut if offer and headline rate matter most.
How they place
| Ranking | Linxea | Revolut |
|---|---|---|
| Savings | 5 of 1492 | 22 of 1492 |
| Savings accounts | 4 of 658 | 14 of 658 |
| Investing | 7 of 654 | 139 of 654 |
Licences and countries
| Country | Linxea | Revolut |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 |
| France | ORIAS 07031073 | Not confirmed |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| United Kingdom | Not confirmed |
Available in 1 country for both. Additional countries for Revolut: 28.
A third option
Finom has headline rate at 5%, against 3% for Linxea and 4% for Revolut.
Finom reviewEvery fact side by side
| Fact | Linxea | Revolut |
|---|---|---|
| Pricing model | Low fees | No monthly fee |
| Legal entity | Not confirmed | Revolut Digital Assets (Europe) Ltd |
| Headquarters | Not confirmed | Cyprus |
| Founded | Not confirmed | 2015 |
| Support channels | Not confirmed | Chat, Email, Phone, Help centre |
Personal insurance
| Fact | Linxea | Revolut |
|---|---|---|
| Premium from | €25 | Not confirmed |
| Insurance types | Life | Not confirmed |
| Provider type | Broker | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Audience | Expats | Not confirmed |
| Claims channels | Phone, Email, Post | Not confirmed |
| Age range | 18+ | Not confirmed |
Crypto exchanges
| Fact | Linxea | Revolut |
|---|---|---|
| Taker fee | Not confirmed | 0.09% |
| Coins listed | Not confirmed | 200 to 230 |
| Fiat deposit methods | Not confirmed | Card, Bank |
| Features | Not confirmed | Multi currency, Virtual card, Travel |
| Maker fee | Not confirmed | 0% |
| Withdrawal fee | Not confirmed | network fee plus service fee |
| Derivatives | Not confirmed | No |
| Exchange type | Not confirmed | Cex |
Credit cards
| Fact | Linxea | Revolut |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| APR | Not confirmed | 13.34% to 17.99% |
| Currency conversion fee | Not confirmed | 0% to 2% |
| Rewards type | Not confirmed | Points |
| Rewards rate | Not confirmed | 1.5 points per EUR1 |
| Card kind | Not confirmed | Credit |
Loans
| Fact | Linxea | Revolut |
|---|---|---|
| Loan types | Not confirmed | Personal |
Robo-advisors
| Fact | Linxea | Revolut |
|---|---|---|
| Management fee | Not confirmed | 0% |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Account types | Not confirmed | ISA, Joint |
| Portfolio types | Not confirmed | ETF, Cash, Crypto |
Where each stands against the rest
| Fact | Linxea | Revolut | Median |
|---|---|---|---|
| Headline rate | 3%below the median | 4%above the median | 3.3% |
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
Revolut
Pros
- The debit account has a monthly fee of £0 and a free ATM allowance of £200.
- Savings offer instant access through the Revolut app, fee-free withdrawals and no withdrawal limits.
- The debit card includes multi-currency, virtual-card and travel features.
Cons
- Currency conversion fees can reach 0% to 2%, which may add cost when travelling or spending abroad.
- Crypto withdrawals carry network fee plus service fee.
- The savings rate is variable at variable, so the headline return may change.
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
Revolut
Who it suits
- People who use Revolut for everyday spending and travel.
- Savings users wanting app-based easy access with fee-free withdrawals.
- Customers who want debit, credit, savings, investing and crypto services together.
Who should look elsewhere
- Wise users prioritising a lower stated currency conversion fee of 0.1%.
- Varo Believe Secured Credit Card users seeking a secured credit card rather than Revolut's debit and credit products.
- bunq users focused on comparing the stated monthly fee of €0 against Revolut's fee.
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 | Revolut |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 29 countries where either is available.
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.
Revolut
What is Revolut's debit card monthly fee?+
Revolut's debit account has a monthly fee of £0. The card is a debit card on the Visa network, with multi-currency, virtual-card and travel features included in the stated offer.
How much can I withdraw from Revolut ATMs?+
The stated free ATM allowance is £200. Revolut is ranked 15 for this measure among 124 listed brands.
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