Updated September 29, 2026 · BrokerCue Editorial Team
Linxea vs XTB
Where Linxea and XTB differ
| Compare |  Linxea |  XTB |
|---|---|---|
| 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).
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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.
- Support channels: only Linxea offers Help centre, Community.
- Support channels: only XTB offers Email, Chat.
- Pricing model: only XTB offers Commission free.
Our verdict on each
Linxea
Linxea sits apart from the brokers on this page because it is a French savings and life insurance platform rather than a share dealing site, and the money sits under EU ICS up to EUR 20,000. It suits savers in France who want funds and bonds held for the long term with no entry charge.
XTB
XTB suits retail traders who want to hold stocks, ETFs, forex, CFDs and crypto under one Cyprus-based account without a monthly charge. The account fee is €0, deposits cost nothing, and CySEC, FCA and KNF authorisations sit behind a legal entity founded in 2002.
Score breakdown
| Area | Linxea | XTB |
|---|---|---|
| Cost | 8.4No entry fee on the Linxea Avenir contract, 0% entry fee on Linxea Avenir 2, though €100 is a high floor. | 9.1Higher |
| Offer | 9.1 | 9.3Higher |
| Trust | 8.6 | 9.6Higher |
Feature by feature
| Markets | Linxea | XTB |
|---|---|---|
| Stocks | No | Yes |
| ETFs | No | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Crypto | No | Yes |
| Bonds | Yes | No |
| Funds | Yes | No |
Licences and countries
| Country | Linxea | XTB |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| France | ORIAS 07031073 | Not confirmed |
| Poland | Not confirmed | |
| United Kingdom | Not confirmed |
Positions in our rankings
| Ranking | Linxea | XTB |
|---|---|---|
| Stock and ETF brokers | 7 of 490 | 3 of 490 |
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 | Not confirmed | Beginners |
| Legal entity | LINXEA SAS | XTB Limited |
| Headquarters | France | Cyprus |
| Founded | Not confirmed | 2002 |
| Support channels | Phone, Help centre, Community | Email, Chat, Phone |
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 |
| Account fee | Not confirmed | €0at the median | €0 |
| Inactivity fee | Not confirmed | €10above the median | €0 |
| Retail accounts that lose money | Not confirmed | 77%highest quarter | 70.375% |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.4% |
Median across 38 listed brokers.
Pros and cons
Linxea
Pros
- No entry fee on the Linxea Avenir contract: 0% entry fee on Linxea Avenir 2
- Deposits start at €100, above the site median of €4.64
- Regulated in France by ORIAS, with EU ICS up to EUR 20,000 behind the money
Cons
- The range is narrow: funds and bonds means no share dealing on this platform
- The minimum deposit of €100 sits well above $0 at CFI
- Regulators listed: ORIAS, with the base in France, so UK clients have no named UK protection
XTB
Pros
- Account fee of €0 on the standard account, and stock trades cost €0.
- Minimum deposit of €0, so the account opens without a funding floor.
- Regulated by CySEC, the FCA and KNF across Cyprus, the UK and Poland.
Cons
- An inactivity fee of €10 applies, unlike eToro, which has no such charge.
- Forex and CFD trading is not cost free: fx trading costs 0.5%.
- CFDs carry a high proportion of losing retail accounts, and XTB's own figure is 77%.
Who each suits
Linxea
Who it suits
- French savers who want a long term savings contract, not day trading
- Investors happy to hold funds and bonds rather than trade shares
- People who value a registered French adviser and a clear EU ICS up to EUR 20,000
Who should look elsewhere
- Share traders, since funds and bonds offers funds and bonds only
- UK investors used to free entry, as CFI starts at $0
- Brokers with a wide asset list, such as eToro with stocks, etfs and forex
XTB
Who it suits
- Retail traders in the UK and Europe who want stocks, ETFs, forex, CFDs and crypto in one account
- Beginners who want a demo account and a mobile app before committing money
- Cost conscious traders who will not hold a balance large enough to trigger the inactivity fee
Who should look elsewhere
- Vantage, if a small minimum deposit of $5 suits a smaller starting balance better
- CFI, for traders who want forex and CFDs without paying an fx charge of 0.5%
- Anyone who plans to hold an idle balance for a long period, given the inactivity fee of €10
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 open a Linxea account?+
Opening money on the Linxea Avenir contract carries 0% entry fee on Linxea Avenir 2, so there is no charge for putting money in. The floor is €100, which sits above the €4.64 typical across the brokers compared here. Costs therefore show up in what the contract holds rather than in an entry charge.
What can you actually invest in?+
The listed markets are funds and bonds, so the range is unit funds and bonds rather than individual shares, derivatives or crypto. That suits a saver who wants a managed long term holding. Anyone needing a wider asset list will have to look elsewhere.
XTB
What does XTB charge to open and hold an account?+
The account fee is €0, so there is no monthly or annual cost to keeping the account open. A stock trade costs €0 on the same account. The only recurring charge to watch is an inactivity fee of €10 for traders whose balance sits idle.
Is there a minimum deposit at XTB?+
The minimum deposit is €0, which means the account can be opened and funded with a small amount. It is a lower floor than the $5 asked by Vantage, so it suits a trader testing the platform before scaling up.
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