Write a review

Newsletter

Go to business site

Emma: Personal finance app reviews

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

View other Emma products

4.88

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

67% increase 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

Read all reviews Write a review

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.

Review Emma: Personal finance app now

Help others make smarter decisions by sharing your own experience.

Write a review

Emma Personal finance app reviews (3559)

Very very easy

Emma is both user friendly and unobtrusive. It collects and displays all necessary data in an easy to understand way and helps me automatically keep track of my spending. Emma is great for warning you when you've exceeded your budget and telling you to slow down! Reviewed on: 5th April 2023

One of the best saving apps around.

I have a lot of different bank accounts so finding Emma has been a life saver, in managing them all. I also like the fun personal touches it provides to make looking at the 'not so healthy' part of my accounts more bearable Reviewed on: 5th April 2023

Love It!

There are a few apps out there that allow you to link in bank and credit card data to build up an overall picture of your finances. Yes there are still things to improve, but they listen and everything gets addressed quickly. Did I say I love it? Reviewed on: 5th April 2023

Managing your money, £ by £, effortlessly

Really neat app giving useful nudges. Helpfull not intrusive. Reviewed on: 5th April 2023

Emma Review

Well rounded financial app suited for massive upside. Reviewed on: 5th April 2023

Brilliant

So simple to use and very informative Reviewed on: 5th April 2023

Emma App is brilliant

Easy to use. Easy to understand where you are. Love it. Reviewed on: 5th April 2023

Great savings and budgeting app

Been using Emma for a few years now, it's a great app for keeping track of financials, including budgeting your month and finding areas to cut down costs. The UX is very intuitive and the UI is one of the cleanest I've seen in a long time. There are a few features I'd personally use that are behind a pay wall such as configurable categories - which I don't think is worth the extra cost but is definitely an option for anyone who wants extra personalisation. Reviewed on: 5th April 2023

easy to use yet limited choices

Overall its a convenient app however not enough stock to choose from. Had problem with plum card as it never arrive Reviewed on: 5th April 2023

Best App for Saving

The best banking app to save money. Reviewed on: 5th April 2023

Do you have a different Emma product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Spot app
from Spot 4.83 from 736 reviews
Payments
from Banked 0.00 from 0 reviews
Personal finance platform
from PocketSmith 4.10 from 2 reviews

Want to see more from Emma?

General investment account
from Emma 0.00 from 0 reviews
Stocks and shares ISA
from Emma 0.00 from 0 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub