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 reaches far beyond the UK, across the whole EU.
| Feature | Brixa | Emma |
|---|---|---|
| EU bank coverage | 2,700+ EU banks | UK-first, 50+ UK banks |
| Automatic AI categorization | Yes | Partial |
| Manual entry required | No | No |
| Read-only bank access | Yes, credentials never stored | Yes |
| EU data hosting | Yes | UK-based |
| Multi-currency | Yes | Yes |
| Subscription detection | Yes | Yes |
| Savings goals | Yes | Limited |
| Partner / shared view | Yes, read-only | Yes |
| Platforms | iPhone (iOS) | iOS, Android, web |
| Price (annual) | 89.99 EUR | 4.99 to 14.99 GBP / mo |
| Free trial | 7 days | Free plan (2 banks) |
Where Emma is genuinely better
- Deep UK bank coverage
- Mature subscription and bill management
- It’s on Android and the web
- Years of iteration
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
Emma is a polished aggregator, and its subscription tracking is genuinely good. 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 7-day 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.
To be fair to Emma: it has mature subscription detection, broader crypto aggregation, a net-worth view, and Android and web apps. If those are the things you can’t live without, Emma has them. If you want broad, reliable European coverage with honest pricing, Brixa fits better.
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
- Is Brixa cheaper than Emma?
- Brixa is one simple plan at 89.99 EUR a year. Emma splits features across Plus, Pro and Ultimate (4.99 to 14.99 GBP a month) and caps the free tier at two banks.
- Does Brixa cover banks outside the UK?
- Yes. Emma is UK-first; Brixa covers 2,700+ banks across the EU.
- Does Brixa detect subscriptions?
- Yes. Brixa surfaces your recurring payments with their cost and next charge date.
- Is it safe to connect my bank?
- Access is read-only through a regulated European open-banking provider. Your login is never stored, and Brixa can never move money.
See your money sorted automatically
Connect your European banks, and every transaction arrives already categorized. Read-only, private, in your language. Free for 7 days.
Last updated July 2026. Prices and bank coverage checked 10 July 2026.