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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)

It's a game changer

Being able to see all my finances in one place and properly understand what is going on has saved me thousands of pounds over the 2 years I've used Emma Reviewed on: 4th April 2023

Fab and brill

Absolutely top stuff, helped me manage through my time at uni. LIFESAVER!! Reviewed on: 4th April 2023

Great to manage your accounts

I have two debit accounts and it keeps everything under the one umbrella Reviewed on: 4th April 2023

Useful App

I’ve been the Emma app for over 6 months and it has helped me with my financial planning. I will highly recommend. Reviewed on: 4th April 2023

Great way on reflecting on your finances looking for savings

We used Emma when we were struggling with our finances during lockdown. We found Emma was a great way of looking at when our main expenses were going out and putting pressure on our finances at certain times of the year. We were then able to change timings of direct debits to our advantage allowing us more free money at the end of the month. It also enabled us to see when most expenses went out of our account throughout the year so we could budget more effectively. All in all we found it was a great tool that has really helped us manage our family finances all year long. Reviewed on: 4th April 2023

Thumbs ip

An amazing app. And so easy to use. Reviewed on: 4th April 2023

Amazing app

Very user friendly and so much functionality. Reviewed on: 4th April 2023

Keeping track on the go

Not a natural saver or budget gal, but find Emma helps me keep on track and nurtures better habits. Recommended by a friend, it’s been a game changer. Reviewed on: 4th April 2023

Efficient and effective

This app brings everything to one convenient location and helped me get out of debt. 10/10 would recommend to use. Reviewed on: 4th April 2023

Great app and service, highly recommended!

Emma is a great app and very easy to use. It provides a really good way of managing personal/home finances in an efficient way, without spending too much time trying to figure things out. I would highly recommend it to anyone! Reviewed on: 4th April 2023

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