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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

87%

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)

Spectacular!

It is a great little app. Easy to use and understand, quickly gives you a holistic view of our you're managing your finances. Reviewed on: 4th April 2023

Amazing

Really good app which is easy to use Reviewed on: 4th April 2023

Great app!

Emma is a great finance tracking app that connects to all your bank accounts and credit cards, categorizes your spending automatically, and provides personalized advice to help you make better financial decisions. It's user-friendly, efficient, and has a sleek design. Highly recommended for anyone looking to manage their finances easily and stress-free Reviewed on: 4th April 2023

Great for tracking where your money goes

Emma helps me keep ontop of where my money goes, and has helped me cancel many unwanted subscriptions. Reviewed on: 4th April 2023

Excellent way to keep track

Really quick and easy to keep up to date with my finances. Reviewed on: 4th April 2023

Emma-culate Savings Account (pardon the pun)

Opening the account directly through my Emma financial management app is so easy and I was pleased that a savings and investment options are now available through the app. So in addition to monitoring my finances and accounts under one very easy to manage dashboard, I now have access to a high interest rate savings account that is protected by the FSCS. I guess now is clear why I call the account an Eema-culate savings account (pun fully intended) Reviewed on: 4th April 2023

Started using and okay so far

I’ve just started using Emma for bank management and it’s okay. I’m just a bit wary due to the initial requirement for payment (which I seem to have avoided) but I think it’s a bit annoying when useful apps ask for subscriptions when they’re offering free services Reviewed on: 4th April 2023

Highly recommend!

The app Emma has worked exceptionally well in helping me save money monthly and to overall boost my way of having a positive outlook on my spending habits. Reviewed on: 4th April 2023

SD REVIEW OF EMMA

EMMA IS A GREAT APP FOR TRACKING YOUR SPENDING NEEDS Reviewed on: 4th April 2023

The best financial app!

I honestly love Emma because I’ve been able to get back on track with my finances after a rough few years. From the interest rates in the saving pots to the emoji-filled reminders to keep on track with my budget, it’s the best app on my phone right now! Reviewed on: 4th April 2023

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