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Emma vs Linxo: catalog facts
Emma	Linxo
Freemium Free to download, with paid membership tiers for additional features.	Free The app is free to download.
Android, iOS	Android, iOS
Brings several bank accounts into one budget view Tracks bills and subscriptions	Aggregates accounts from any French bank Covers savings, PEA and crypto alongside current accounts
Requires linking bank accounts to a cloud service Some features are part of paid memberships	French-language and aimed at the French market Requires linking bank accounts to a cloud service
Downloadable app, Hosted service	Downloadable app
Closed source	Closed source
License not stated	License not stated
Account needed	Account needed
Needs internet	Not stated if it works offline
Official website Full listing and sources Checked September 24, 2026	Official website Full listing and sources Checked October 2, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.