Linxo
French budget and wealth app with automatic categorisation, budget goals and a free plan, from a payment institution in Aix-en-Provence
Quick Overview
| Company | LINXO |
|---|---|
| Category | Budgeting Apps |
| Headquarters | Aix-en-Provence, France |
| Founded | Not stated |
| EU Presence | Yes - France (EU) |
| Data Location | Not stated on the pages checked (encrypted disks) |
| Open Source | No |
| GDPR Compliant | Yes |
| Self-Hosting | No |
| Main Features | Account aggregation, automatic categorisation, budget goals, savings analysis, transfers, notifications, 30-day balance forecast (Premium), custom categories (Premium), account groups (Premium) |
| Pricing | Free plan; Premium EUR 4 per month |
| Best For | French-speaking users who want account aggregation and budget goals with a low-cost paid tier |
| Replaces | YNAB, Monarch |
Detailed Review
Linxo calls its main app the historical Linxo application, used for managing budget and assets in one place. The company that edits the site is LINXO, registered at the RCS Aix-en-Provence under number 833 350 176.
On its security page Linxo states that it is approved as a payment institution by the ACPR under number 16928 and that its services are ISO 27001 certified. A second app, Linxo Lab, runs in parallel with the same login.
Free and Premium Plans
The free plan centralises accounts from one or several banks, categorises transactions automatically, shows charts and savings analysis, offers budget goals, transfers and personalised notifications. Search covers up to six months of history and reconciliation is limited to five operations.
Premium costs EUR 4 per month and adds a 30-day forecast balance, custom categories, unlimited search, unlimited reconciliation, account groups such as personal, professional or children, tracking of upcoming operations and priority refresh of bank accounts.
Wealth View
Linxo also shows financial assets and investments by account type, limited to two accounts on the free plan, and lets you follow savings balances over time in Premium.
Security Statements
Linxo says it does not store credentials in clear text, does not share data without explicit consent, and keeps data on encrypted media. It references PSD2 compliance and GDPR privacy by design.
Limitations to Consider
The pages checked are in French and do not state where data is hosted. Features such as the forecast balance, custom categories and unlimited search sit behind Premium, and the free plan limits history search to six months. Linxo is also a B2B open finance provider, so the consumer app is one part of a broader business. The pages checked do not describe shared budgets or multi-currency tracking; for those see Spendee.
Who Should Use Linxo
French-speaking users who want account aggregation, budget goals and a forecast for a low monthly fee.
Pros and Cons
Pros
- ACPR-approved payment institution
- ISO 27001 certification stated
- Usable free plan with budget goals
- Low-cost Premium plan
- Account groups for personal and professional use
Cons
- French-language pages
- Hosting location not stated
- Forecast and custom categories only in Premium
- Free search limited to six months
Alternatives to Linxo
Other European budgeting apps worth comparing before you decide:
Wallet by BudgetBakers
Czech Republic · Czech budgeting app with bank sync and multi-currency
Finanzguru
Germany · German finance app with contract detection and AI companion
Finanzblick
Germany · Free German multibanking and budget app on own servers
Spendee
Czech Republic · Prague budgeting app with shared wallets and bank sync
See all European budgeting apps or compare them directly against YNAB on our alternatives page.
Frequently Asked Questions
Linxo shows Premium at EUR 4 per month, with a free plan that includes account aggregation, categorisation and budget goals.
Linxo states on its security page that it is approved as a payment institution by the ACPR under number 16928.
Linxo Lab is a second app with a newer approach. The historical Linxo app stays available with its features, and both can be used in parallel with the same login.