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

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

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)

This app complete reformed my financial life

Ever since I downloaded Emma a year ago, my financial literacy has skyrocketed! It drove me to learn more about maximising what I have and minimising fruitless expenditures. Gone are the days of manually budgeting via spreadsheets! Reviewed on: 24th March 2023

Best personalised saving app

Very accurate with great daily updates to keep you involved in your spending and money, you won’t miss a trick! Thank you Emma Reviewed on: 24th March 2023

Very easy to track payments and upcoming payments

I've always been worried about what I have left in my account for the month, with Emma I always know how much I have left to go out and what I have left Reviewed on: 24th March 2023

My Personal Assistant

Emma has helped me completely get my finances in order! I have gone from winging it month-to-month to being in control of my outgoing expenses. An essential tool that I have recommended to everyone. Reviewed on: 24th March 2023

Life changing

I have never been able to budget so well Reviewed on: 24th March 2023

Fantastic for young adults

As a young professional living in London and learning how to balance minimum wage with a full-time job as a full-time student, budgeting can often be so difficult and daunting. In fact, I had always found myself really struggling and overspending unintentionally. With Emma, I realised just how much I was spending on takeaways for "convenience" and how much transport was costing me when I was late to work. It's helped me save better and have a healthier morning routing to get to work on time. Being an adult is a lot easier with a budgeting app! Reviewed on: 24th March 2023

Amazing

Only been with them a short period and they are amazing Reviewed on: 24th March 2023

Best budget management

Been using Emma for a year now. Well developed app-very user friendly. Budget planning has now become very easy Reviewed on: 24th March 2023

good

it’s a very good and helpful app that tracks direct debits as well as spending. would recommend Reviewed on: 24th March 2023

Best Budgeting App

I love using Emma to budget. It's so user friendly and really breaks down my spending in an interesting and useful way. Reviewed on: 24th March 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

Cashback account
from Cheddar 4.65 from 1686 reviews
Home Savings App
from Nude 4.14 from 5 reviews
Payments
from Banked 0.00 from 0 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