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Emma: Personal finance app 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
See only 5 star reviews
87%
See only 4 star reviews
11%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Andy Drummond's avatar
Andy Drummond

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
JD's avatar
JD
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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)

Amazing and innovative

5
Helps me so much keeping up to date with my finances!! I am saving towards buying my first home and this is a life saver. Reviewed on: 24th March 2023
Molly's avatar
Molly

Amazing service better than banking app

5
So much option to the app absolutely love it, tells me when money is spent or put in my actual bank doesn’t notify me with anything so safe too and easy to use love it !! Reviewed on: 24th March 2023
Georgia 's avatar
Georgia

Emma is the best money-saving app on the market!

5
Has helped me saved for things, while reminding me of my other costs. Reviewed on: 24th March 2023
Oisin Okane's avatar
Oisin Okane

Amazingly helpful app!

5
Emma has helped me to budget as a young person who recently moved out. It has helped me to consolidate my finances and realise where I could improve my spending habits. It’s very easy to use and I recommend it to everyone! Reviewed on: 24th March 2023
GeorgiaR's avatar
GeorgiaR

Great finance and banking app

5
Emma is a great finance and banking app which allows you to do many things with ease. You can connect multiple accounts for everyday bank accounts to credit cards and savings. This allows you to see an overview of your current balance and the outgoings that you owe. It also gives you an overview of your networth. Within the app you can also set up weekly/monthly budgets for yourself which helps you to manage your finances from month to month. You can also see an overview of your reoccurring spending such as subscriptions and finance payments, which can be beneficial if you want to reduce your outgoings. Within the app you can also set up pots for savings to help you maintain and reach your saving goals, as well as investing to help you grow your finances. The app also allows you to make and request payments from others. Reviewed on: 24th March 2023
Tomgunninham's avatar
Tomgunninham

Helpful tool

5
Great functionally for getting to grips with your finances Reviewed on: 24th March 2023
Richard Harber's avatar
Richard Harber

Very handy

5
The daily updates are amazing and has been helping me get on track Reviewed on: 24th March 2023
Anonymous's avatar
Anonymous

Awesome app

5
Awesome app , good reminder and easy to use Reviewed on: 24th March 2023
Bami Tai's avatar
Bami Tai

Budgeting tool

5
Emma has really helped me to figure out where my money is going and I’m still learning how to budget properly, but Emma has made it easier to see exactly what to do. Reviewed on: 24th March 2023
Beth's avatar
Beth

Keeps me organised!

5
Emma has helped me budget & start to decrease my outgoings! I’ve struggled with money for a long time but I can’t thank the app enough!! Reviewed on: 24th March 2023
Jodie Walker 's avatar
Jodie Walker

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