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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)

Helps Visualise Expenditure

A very handy app that utilises open banking to allow for a quick and easy to understand overview of your expenditure so you can get to grips of where your money is going! Reviewed on: 15th February 2023

Really useful app!

Emma has really helped me to keep my spending in check. I really like the alerts which make me think twice about spending on non essential purchases, especially towards the end of month! This has really helped me to stay in budget and not to go over my limit! Reviewed on: 15th February 2023

Best Banking App I've Used

Emma has really helped me keep on top of my finances in the past year and gave me confidence in saving up money for special occasions. I would recommend this app to anyone who struggles to remember what goes out their bank account monthly Reviewed on: 15th February 2023

Puts things into perspective

This app has managed to help me look at my finances straight up. I can see how and where I have overspent and change how I use my money. This app has literally changed my life from being in debt to now being able to look at money as a tool I can work with. I love the range of services Emma offers, to investing to saving. To straight up just budgeting!!! Highly recommended. Reviewed on: 15th February 2023

very good, especially every morning telling my how much is in my account

I had been with other apps such as plum, plum wasn’t really satisfying me but i had seen emma on a AD and i wanted to check it out, it’s 10/10 better than plum i would say and also you can check your spending or a summary if your bank app isn’t working, also can transfer or get friends n family to transfer you. Reviewed on: 15th February 2023

Truly helped me

I'm an 18 year old who has just started university and have got my first full time job. The income with the job and student loans was very overwhelming for me, and I didn't know how to manage my money at all. I was spending large amounts the minute I was payed, leaving me with very little money to spend on food and bills for the rest of the month. I saw an advert online discussing the app, and decided to download Emma and give it a try. I do not regret it! It helps me to budget and sets reminders for me about subscriptions I have, as well as notifying me regularly regarding how much money I have in my account. This was very helpful and has definitely made it so much easier for me to track how much I spend and make sure I don't go over the top. I have tried other budgetting apps for example those helped no where near as much as Emma. Reviewed on: 15th February 2023

This is a review

Emma is handy for keeping track of all my bank accounts and seeing analytics of how much I spend across different categories. Reviewed on: 15th February 2023

The best friend you did not know you needed

Emma takes the difficulty out of saving and makes it engaging, and most importantly, simple. I’d recommend Emma to my sister, friend or great great aunt. Reviewed on: 15th February 2023

Money saver for sure !

I've saved so much money since using this app by seeing where all my outgoings are coming from so I was able to see what I can cut down on and save each month ! Definitely an app I am going to continue to use in future Reviewed on: 15th February 2023

Helpful overview of personal finances

Emma is a small but powerful ally in the fight against rising costs, helpfully telling you your monthly net worth, highlighting issues and ways that you can improve Reviewed on: 15th February 2023

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