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Emma: Personal finance app reviews

Name: Personal finance app
Rating: 4.88 (3559 reviews)

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4.88

Based on 3,559 reviews, last reviewed 17th Mar 2026

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

88%

11%

Latest highest rating:

5

A great app for saving without having to think about... A great app for saving without having to think about it! Reviewed on: 17th March 2026

Latest lowest rating:

1

Great app... But everything you need is behind a paywall, and you get hassled everytime to signup when using the app. Reviewed on: 9th April 2023

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About this product

The Emma personal finance app helps you take control of your money.

Using the Emma app, you can build your credit, save more and spend less. It’s a financial membership which has different tiers. You can get started with the Basic plan which is free or opt for a paid membership which comes with more benefits.

Emma app reviews help you find out what it’s really like to be a customer. If you’ve used the Emma app before, you can also leave a review and share your experience.

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Emma Personal finance app reviews (3559)

Emma is Amazing

Can’t recommend Emma enough! Absolutely love this saving app, it has completely changed how I save and has enabled me to reach all of my short to medium term financial targets! 10/10 Reviewed on: 4th April 2023

What did I do before Emma?!

So....i've always been awful with money. Bank accounts all over the place, spending money here there an everywhere and no savings at all. Emma has allowed me to view all of those accounts in one place, see what i'm spending and where, budget my money and not only save but invest and make money! I love the way the app works, it's friendly and easy to use. I'm actually excited to have a look in the morning and see what's going on in my mini financial world! I highly recommend using this app for a clear and fun way to manage your finances, for peace of mind and to be that little bit richer! Reviewed on: 4th April 2023

Very useful

The breakdown of where you’ve been spending is really helpful to budget and stay on track Reviewed on: 4th April 2023

Highly recommended emma

I highly recommend Emma as a savings app. It's helped me tremendously manage my money better. Reviewed on: 4th April 2023

Wonderful banking and budgeting app

Emma has been amazing for setting budgets and managing my money more effectively. It’s great to have one app that you can have your current account, savings accounts and credit/loans all accessible, tracking your spending, paying off debts, as well as being able to see how much you’re managing to save away for those rainy days. Thank you Emma, you’ve changed my life. Reviewed on: 4th April 2023

Ease of use is top of priority for this modern app

Problem solving is clearly a strength for the Emma app designers as it solves the need for any spreadsheet or tracking across different apps, It's been brilliant for someone who is using credit cards for benefits or building credit, and therefore can't benefit from a single tracking solution like Monzo. It's been a brilliant solution for me personally, and I was recommended by friends who were equally fans. Reviewed on: 4th April 2023

A good service and platform

I came across Emma when searching how to save money and something that has good reviews and is reliable Reviewed on: 4th April 2023

Great App

Emma has made taking care of my finances really simple. I recommend it to all of my friends. Reviewed on: 4th April 2023

Very good app

The app helps me track my spending and helps achieve my budget goals Reviewed on: 4th April 2023

The app is very useful

Brilliant brilliant app and would recommend to anyone who would like to use it for money management and organisation. I would also like to state that is one of the one of the best apps in the App Store for money management. Reviewed on: 4th April 2023

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