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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)

Banking data at my fingertips

Such a handy app for analysing, and helping keep on top of, my finances. Other handy features that I'm only just exploring, like investing. The Emma app does the thinking for me, and saves me a ton of time and effort! Reviewed on: 15th February 2023

Quick and easy to use has tools in it to help you budget and know what your spending and where

Emma helped me recognise a few unrecognisable transactions that I never made and helped me stop fraud Reviewed on: 15th February 2023

Regularly tells me my balance, tells me if I'm over spending and gives reviews of how well I budgeted

My day begins with a notification of what's in my balance without me needing to log in which I find really helpful, it also informs transactions which is really convenient. Theres a graph showing my spending with my income to tell me if I'm spending more than I'm earning which grants good insight, and gives me overall evaluation once data us collected and telling me what I did well with budgeting and could improve with. As a student living off of loans this has been very helpful. Reviewed on: 15th February 2023

Back in control of finances

It's amazing how easy costs/subscriptions add up. Seeing them all together and closely monitoring all accounts in 1 place is a game charger Reviewed on: 15th February 2023

Saving with ease

Emma is a very fast and very reliable saving app that is amazing for anyone in university looking to manage there finances Reviewed on: 15th February 2023

Makes viewing and tracking budgets straight forward across different accounts.

The UI is great, with easy to use functionality. The only limitations stem from the APIs of other providers. Reviewed on: 15th February 2023

Everything in one place

Makes managing your finances a doddle! Reviewed on: 15th February 2023

Good app

Good features and the app works well. Reviewed on: 15th February 2023

Need CHASE UK

Excellent app. However does not connect to Chase UK whereas 'Wallet' does and is free. Please get CHASE UK added Reviewed on: 15th February 2023

Makes tracking spending easy

I find it easy to categorise your spending, making it clear how your habits change over time or where you can cut back. Haven't tried the investing side of things but that looks much easier than going through a broker or whatever. Reviewed on: 15th February 2023

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