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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)

I can finally manage my money!

Emma has helped me plan my finances, with so many bills and direct debits and standing orders coming out at different times of the month I found it really hard to see what I had left to spend, Emma is so easy to use and she tells me my life balance and available to spend balance. This has helped me budget and even start to save. Thanks Emma Reviewed on: 4th April 2023

Great app

Smart app, great UI, helped me save a lot already! Worth the 4.99 per month as the savings returned and money saved outweigh it massively. I've recommended it to many family and friends. Reviewed on: 4th April 2023

Decent, helpful

Using it to understand my spending, helpful reminders and graphics. Send a few too many notifications though Reviewed on: 4th April 2023

Great budgeting tool

The budgeting tools and the detailed category spending really lets you know how much of your money goes to different things Reviewed on: 4th April 2023

Great App

I used to struggle a lot with managing my finances. Budgeting was something I knew I needed to do, but it always felt like a daunting task. That's why I was so relieved when I stumbled upon Emma. It's an app that's actually easy to use, and it's made such a difference in my life. With Emma, I was able to link up all of my bank accounts and credit cards in just a few clicks. The app automatically categorizes my transactions, so I can see exactly where my money is going. It's been a real eye-opener, and it's helped me identify areas where I can cut back and save more. But the best part about Emma, in my opinion, is the goal-setting feature. I've always had trouble saving money, but with Emma, I was able to set a savings goal and start tracking my progress towards it. Seeing that progress bar fill up has been so motivating, and it's made me feel like I'm actually making progress towards my financial goals Overall, I can't recommend Emma enough. It's an app that's actually made budgeting feel doable for me, and it's helped me feel more in control of my finances. If you're looking for a budgeting app that's easy to use and effective, definitely give Emma a try. Reviewed on: 4th April 2023

Fantastic customer service

As well as a great savings account; Emma have outstanding customer service. They are always available through speedy live chat via their app. Have always been able to resolve issues for me. I get great use out of their money budgeting service as well Reviewed on: 4th April 2023

Keeps me on track

Love the Emma app because it keeps me on track with how much I have spent , my savings and reminds me of upcoming payments. It smart simple to use and keeps me in the black! Reviewed on: 4th April 2023

Amazing app

Fantastic app. This app literally counts everything for you. Reviewed on: 4th April 2023

Handy little app

More features than my banking app, able to take multiple accounts in and allows me to track my spending easily. The monthly spending and saving graph is really useful Reviewed on: 4th April 2023

Great app for budgeting

Lets you combine all your accounts and track your spending Reviewed on: 3rd April 2023

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