Looking for a Linxo alternative in 2026?
Linxo Lab is free, and its automatic categorisation is among the best in France. Two details matter before you hand over your accounts: Crédit Agricole owns 85% of it, and a paid plan is announced for September 2026.
Stay on Linxo if
- The price is unbeatable until the paid plan ships.
- You need those 1,700 connectors, and your bank is one of them.
- Instant transfers and QR payments are genuinely useful to you.
- Crédit Agricole sitting behind it does not bother you.
Move to Avuru if
- You would rather the tool reading your accounts was not owned by a bank.
- You want to know the price in advance, instead of meeting a pricing table in September 2026.
- You live outside France, expat or cross-border, and Linxo only covers France.
- You want to project financial independence, not just file the past.
Two aggregators, two shareholders.
Linxo has been aggregating accounts for longer than we have existed, and the table shows it. The rows where we lose are in there too, otherwise the comparison would be worthless.
Your accounts, answering back.
Linxo files your transactions and shows them to you. The conversation ends there. Avuru runs from Claude: you generate a key, paste it once, and ask whatever you want to know. List my recurring direct debits. Add September's rent. Recategorise the last three transfers.
Linxo exposes no MCP server. Avuru Connect comes with the Pro plan, and the 14 day trial opens it.
When you work on the other side.
Linxo tracks French accounts for French residents, and does it well. Cross the border and what is left is an aggregator with nothing to say about the things that matter: your tax class, your deductible commute, quasi-resident status. Avuru consolidates in euros, dollars or Swiss francs, and puts six tax simulators in the same place as your accounts.
Luxembourg first, the rest after. These figures give an order of magnitude and are not worth a filing.
Free, and paid for by whom?
Linxo charges you next to nothing. That leaves the question of where the money comes from: Crédit Agricole has owned the company since 2019, and an aggregator owned by a bank has a shareholder to please. Avuru lives on its subscription, with no commission on your holdings and no data resold. The free tier gives two accounts, then €5.99 a month for unlimited accounts, €15.99 for full budgeting and AI, €36.99 for Avuru Connect.
Payments are not open yet. The free tier works right now, with no card.
What you pay, on both sides.
Public prices as of August 2026. Neither free trial asks for a card.
- Free: 2 accounts, no card
- Lite: €5.99 a month or €54.99 a year
- Plus: €15.99 a month or €149.99 a year
- Pro: €36.99 a month or €349.99 a year, with Avuru Connect
- Linxo Lab: free, with no paid tier so far
- More than 1,700 bank connectors
- Paid plan announced for September 2026, price unknown
- 85% owned by Crédit Agricole
Frequently asked questions
Is Linxo Lab really free?
Yes, so far, with no paid tier. The publisher has announced a paid plan for September 2026 and said the current free features would stay available. The price is not known.
Who owns Linxo?
Crédit Agricole bought 85% of the company in 2020. That is a public fact rather than an accusation, but it is worth knowing when you pick who reads your bank statements.
Does Avuru sync my banks the way Linxo does?
Not yet. Linxo advertises more than 1,700 connectors and we have nothing comparable today. Automatic PSD2 connection is on the way. Until then, importing a PDF statement, a photo, a CSV or an OFX does the job.
What does Avuru do that Linxo does not?
Six tax simulators with Luxembourg first, control from Claude through Avuru Connect, a FIRE planner with Monte Carlo simulation, and goals ranked by level of need.
How much does Avuru cost?
The free tier gives you two accounts and asks for no card. After that €5.99 a month, €15.99 for full budgeting and AI, €36.99 for Avuru Connect. The price is published and will not shift under you.
Can I try it without paying?
A public demo opens with no account and no email, and every paid plan comes with a 14 day trial.
Other comparisons
Open the demo, hand over nothing.
No account, no email address, no card. You look, and you decide afterwards. And if you stay on Linxo, you will at least know what you are leaving on the table.
Start for free