Updated September 29, 2026 · SumCue Editorial Team
Linxea vs XTB
Linxea
XTB
Higher score in this comparison
What sets them apart
| Compare | LinxeaReviewVisitVisit | XTBReviewVisitVisit |
|---|---|---|
| Minimum deposit | €100 | €0Lower |
| Markets | Funds, Bonds | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | ORIAS | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Deposit and withdrawal fees | 0% entry fee on Linxea Avenir 2 | Free deposits; free withdrawals above 100 EUR/USD |
| Stock trade fee | Not confirmed | €0 |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €10 |
| Retail accounts that lose money | Not confirmed | 77% |
| Currency conversion fee | Not confirmed | 0.5% |
| Platforms | Not confirmed | XStation 5, XStation Mobile |
| Maximum retail leverage | Not confirmed | 1:30 |
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
- XTB scores higher overall: 9.3 vs 8.7.
- Regulators: only Linxea offers ORIAS.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- XTB is licensed in 2 more countries.
- Minimum deposit is lower at XTB: €0 vs €100.
- Markets: only Linxea offers Funds, Bonds.
- Markets: only XTB offers Stocks, ETFs, Forex.
- Pricing model: only XTB offers Commission free.
- Audience: only Linxea offers Expats.
- Audience: only XTB offers Beginners.
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.
XTB
XTB suits beginners who want an account for shares, forex, CFDs and crypto without a monthly charge, and the cost side is thin: the account fee is €0 and the stock trade fee is €0. The catch is the inactivity fee of €10 and a currency conversion fee of 0.5%.
Score breakdown
| Area | Linxea | XTB |
|---|---|---|
| Cost | 8.4Monthly cost stays at €0 with 0% entry fee on Linxea Avenir 2 keeping entry light | 9.2HigherAccount fee of €0 and stock trade fee of €0 lead, with an inactivity fee of €10 the offset. |
| Offer | 8.9Life cover linked to funds and bonds with variable pricing at 3% | 9.2Higher |
| Trust | 8.8Oversight by ORIAS with cover at EU ICS up to EUR 20,000 stated | 9.5Higher |
Side by side, item by item
| Markets | Linxea | XTB |
|---|---|---|
| Stocks | No | Yes |
| ETFs | No | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Crypto | No | Yes |
| Bonds | Yes | No |
| Funds | Yes | No |
Where they rank in our lists
| Ranking | Linxea | XTB |
|---|---|---|
| Savings | 5 of 1492 | 2 of 1492 |
| Savings accounts | 4 of 658 | 2 of 658 |
| Investing | 7 of 654 | 3 of 654 |
What we checked
Linxea
- linxea.com: 6 facts, checked September 26, 2026
- bogleheads.org: 1 fact, checked September 26, 2026
XTB
- xtb.com: 10 facts, checked September 26, 2026
- hello-brokers.com: 5 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- eupersonalfinance.eu: 1 fact, checked September 26, 2026
- linkedin.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Linxea | XTB |
|---|---|---|
| Features | Not confirmed | Demo account, Mobile app, Crypto |
| Pricing model | Low fees | Commission free, Low feesCovers more |
| Audience | Expats | Beginners |
| Legal entity | Not confirmed | XTB Limited |
| Headquarters | Not confirmed | Cyprus |
| Founded | Not confirmed | 2002 |
| Support channels | Not confirmed | Email, Chat, Phone |
Personal insurance
| Fact | Linxea | XTB |
|---|---|---|
| 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 | XTB |
|---|---|---|
| Headline rate | 3% | 4%Higher |
| Rate type | Variable | Variable |
| 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 | Interest on uninvested funds, calculated daily and paid monthly within five days of month end, no minimum or maximum balance, withdraw any amount to your bank account |
| Monthly fee | €0 | £0 |
| Account kind | Easy access | Easy access |
Crypto exchanges
| Fact | Linxea | XTB |
|---|---|---|
| Taker fee | Not confirmed | 0% |
| Coins listed | Not confirmed | 45 |
| Fiat deposit methods | Not confirmed | Bank |
| Maker fee | Not confirmed | 0% |
| Withdrawal fee | Not confirmed | Free above 100 USD/EUR |
| Derivatives | Not confirmed | Yes |
| Exchange type | Not confirmed | Cex |
Where each stands against the rest
| Fact | Linxea | XTB | Median |
|---|---|---|---|
| Minimum deposit | €100highest quarter | €0below the median | €1 |
| Stock trade fee | Not confirmed | €0below the median | €1.50 |
| Account fee | Not confirmed | €0at the median | €0 |
| Inactivity fee | Not confirmed | €10above the median | €2.45 |
| Retail accounts that lose money | Not confirmed | 77%highest quarter | 72.21% |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.4% |
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
XTB
Pros
- The account fee is €0 and the stock trade fee is €0, which places XTB at 1 of 166 brands on the share dealing charge.
- The minimum deposit is €0, putting XTB at 1 of 218 brands on the amount needed to start.
- Deposit protection is FSCS up to GBP 85,000 and investor protection is EU ICS up to EUR 20,000, both stated with figures rather than vague wording.
Cons
- The inactivity fee is €10, and at 39 of 56 brands on that measure XTB sits well outside the free group.
- A currency conversion fee of 0.5% applies even though the stock trade fee is €0, which bites on any US share held in a euro or sterling account.
- Retail leverage runs to 1:30 and 77% of retail accounts lose money, so free dealing does not mean free from risk.
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
XTB
Who it suits
- Beginners new to investing, since the audience XTB is built for is beginners and the minimum deposit is €0.
- UK and EU customers who want stocks, etfs and forex behind a single login and who read FSCS up to GBP 85,000 before funding.
- People who want the same platform on desktop and phone, with xStation 5 and xStation Mobile both carrying the account.
Who should look elsewhere
- Not bunq, which asks for a minimum deposit of €10 where XTB opens at €0.
- Not CFI if the opening amount is your only guide, since its minimum deposit is also $0 and the real difference is markets and protection.
- Not Fiesta Credito MX, listed under CONDUSEF for credit rather than for trading stocks, etfs and forex.
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 | XTB |
|---|---|---|
| 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.
XTB
What does it cost to hold an XTB account?+
The account fee is €0 and the monthly fee is £0, so there is no standing charge for keeping the account open. The recurring cost to watch is the inactivity fee of €10, which applies when an account is left unused. If you hold uninvested funds you also earn interest, calculated daily and paid monthly, with no minimum or maximum balance.
How much does it cost to buy shares on XTB?+
The stock trade fee is €0 and the account runs on a commission free and low fees model, so a share trade carries no commission. The charges that remain are the currency conversion fee of 0.5% when the trade currency and your account currency differ, and any spread built into the price. For an account holding US shares, that conversion fee is what turns a trade with a stock trade fee of €0 into a cost.
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