The best Monarch alternative for Europe
Brixa is the European alternative to Monarch: it connects to 2,700+ EU banks, which Monarch cannot, and sorts every transaction with AI.
Monarch is beautifully made, but it connects US and Canadian banks only. If your accounts are in the EU, you simply cannot use it. Brixa is the European counterpart, built on regulated open banking across the EU.
Brixa and Monarch, side by side
EU bank coverage
Brixa2,700+ EU banksMonarchNone (US and Canada only)Automatic AI categorization
BrixaYesMonarchYesManual entry required
BrixaNoMonarchNoRead-only bank access
BrixaYes, credentials never storedMonarchYes, via providerEU data hosting
BrixaYesMonarchUS companyMulti-currency
BrixaYesMonarchLimitedSubscription detection
BrixaYesMonarchYesSavings goals
BrixaYesMonarchYesPartner / shared view
BrixaYes, read-onlyMonarchYes, read/writeFree trial
BrixaYesMonarch7 days
Why Europeans switch to Brixa
- It works in Europe at all. Monarch can’t connect European banks
- Native open banking across more than 2,700 European banks
- Priced and localized for Europe, in 19 languages, not USD
- Read-only by design, and it never sells your data
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.
Monarch is one of the best-looking budgeting apps out there, and the household collaboration and cash-flow visuals are excellent. There’s just one dealbreaker for anyone in Europe: Monarch connects to US and Canadian banks, not European ones. If your accounts are in the EU, you can’t really use it.
Brixa is the European counterpart. It connects to more than 2,700 European banks through regulated open banking, sorts transactions with AI, and is priced and localized for Europe across 19 languages, not in USD.
Credit where it’s due: Monarch has full shared budgeting for couples, a mature web app, and Sankey diagrams that Brixa doesn’t have yet. But none of that helps if it can’t see your bank. For Europe, Brixa is the one that actually works.
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
No. Monarch connects US and Canadian banks only. If your accounts are in the EU, Brixa is the one that works.
Monarch runs about 99.99 USD a year. Brixa is one annual plan, priced for Europe, and the exact figure is shown in the App Store before you commit.
Brixa has private, read-only partner sharing today. Monarch has full read/write household budgeting, which is more collaborative.
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.