The best Emma alternative for Europe
Brixa is a pan-European Emma alternative that connects to 2,700+ EU banks read-only and sorts every transaction with AI, with one simple plan instead of stacked tiers.
Emma is polished and UK-focused, but its free tier only connects two banks and the useful features are split across Plus, Pro and Ultimate. Brixa keeps it to one simple plan and covers the whole EU.
Brixa and Emma, side by side
EU bank coverage
Brixa2,700+ EU banksEmmaUK-first, 50+ UK banksAutomatic AI categorization
BrixaYesEmmaPartialManual entry required
BrixaNoEmmaNoRead-only bank access
BrixaYes, credentials never storedEmmaYesEU data hosting
BrixaYesEmmaUK-basedMulti-currency
BrixaYesEmmaYesSubscription detection
BrixaYesEmmaYesSavings goals
BrixaYesEmmaLimitedPartner / shared view
BrixaYes, read-onlyEmmaYesFree trial
BrixaYesEmmaFree plan (2 banks)
Why Europeans switch to Brixa
- Pan-EU coverage: 2,700+ banks, not a UK-first footprint
- One simple plan, not Plus / Pro / Ultimate with a 2-bank free cap
- AI categorization and reliable sync
- Private, granular sharing, in 19 languages
What that looks like
Sorted on arrival
Every transaction lands with a category already on it. Correct one and it sticks.
Where it actually went
The month split by category, so the number that hurts is the first one you see.
Point it at something
Set a target and a date, and Brixa works out what you need to put aside each month.
Emma is a polished aggregator, and its subscription tracking beats most apps in this category. The thing people bump into is the money model. The free plan only connects two banks, most of the useful features live behind Plus, Pro or Ultimate, and the in-app upsell rarely gives it a rest.
Brixa keeps it simpler. A straightforward free trial, then one subscription, with no nagging and no selling your data. It also reaches further into continental Europe, with more than 2,700 banks across the EU rather than a UK-first footprint, in 19 languages.
The practical question is coverage and cost. Emma is strongest in the UK, and the features most people came for sit above the free tier. Brixa connects more than 2,700 banks across the EU, sorts everything automatically, and charges once a year with nothing gated behind a higher tier.
Your data stays yours
Read-only access
Brixa can see your transactions but can never move money. Your bank login is never stored.
Licensed open banking
Connections run through a regulated European open-banking (AISP) provider, the same rails your bank trusts.
Hosted in the EU
Your data lives in the EU and is handled the GDPR way. It is yours, and you can delete it anytime.
No ads, no data selling
Brixa is paid for by a simple subscription, so your financial data is never the product.
Questions people ask
Brixa is one simple plan. Emma splits features across Plus, Pro and Ultimate (4.99 to 14.99 GBP a month) and caps the free tier at two banks.
Yes. Emma is UK-first; Brixa covers 2,700+ banks across the EU.
Yes. Brixa surfaces your recurring payments with their cost and next charge date.
Access is read-only through a regulated European open-banking provider. Your login is never stored, and Brixa can never move money.
Not yet. Brixa is an iPhone app today. Android is on the roadmap, and your data is not locked in either way: you can export it whenever you want.
Try it with your own bank
Pick yours from the 2,700+ European banks Brixa supports, and your last few months arrive already sorted. Read-only, and free to try.