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.
| Feature | Brixa | Monarch |
|---|---|---|
| EU bank coverage | 2,700+ EU banks | None (US and Canada only) |
| Automatic AI categorization | Yes | Yes |
| Manual entry required | No | No |
| Read-only bank access | Yes, credentials never stored | Yes, via provider |
| EU data hosting | Yes | US company |
| Multi-currency | Yes | Limited |
| Subscription detection | Yes | Yes |
| Savings goals | Yes | Yes |
| Partner / shared view | Yes, read-only | Yes, read/write |
| Platforms | iPhone (iOS) | iOS, Android, web |
| Price (annual) | 89.99 EUR | ~99.99 USD |
| Free trial | 7 days | 7 days |
Where Monarch is genuinely better
- Full read/write household budgeting for couples (Brixa’s sharing is read-only for now)
- A polished web app and an Android app
- Sankey cash-flow diagrams and net worth with holdings
- Deep US and Canada investment support
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
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
- Does Monarch work in Europe?
- No. Monarch connects US and Canadian banks only. If your accounts are in the EU, Brixa is the one that works.
- Is Brixa cheaper than Monarch?
- Yes. Brixa is 89.99 EUR a year, versus roughly 99.99 USD for Monarch.
- Does Brixa support couples?
- Brixa has private, read-only partner sharing today. Monarch has full read/write household budgeting, which is more collaborative.
- 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.