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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)

Transformed my relationship with my money

Like a lot of millennials, my money anxieties translated into not not looking at my account because I didn't want to see what was happening, not shifting money around quick enough so that I got charged overdraft fees which I would have had the money to cover. It has helped me get a handle on what I've spent, and how and all with a touch of fun that means their daily reminders remain anxiety-free. Reviewed on: 24th March 2021

Best Personal finance app I have used!!

I think Emma is awesome! I recommended it to all my friends...excellent for those who manage multiple accounts and credit cards so you have a great overview on overall spending. I love that Emma connects to so many banks...not all AISPs can do this!! Well done!! Reviewed on: 24th March 2021

Where's all my money going?

Emma has helped me keep track of all my income and expenses and get everything on track. I'm so much more aware of my own finances now than I was a few months ago. Reviewed on: 23rd March 2021

Excellent finances app

I was using a variety of different expenses apps for some time, but they were all a bit glitchy and caused me to spend a lot of time manually inputting data and working out budgets. My partner then told me about Emma, which they had started using and showed me the features. I downloaded and bought the subscription a few days later and haven’t looked back since! It’s so easy to use and has lots of great features. I’ve been able to save and budget much better than before and keep on top of my finances. The support team are very helpful and easy to chat to. Would 100% recommend using Emma to anyone looking for a comprehensive finance app. Reviewed on: 23rd March 2021

Great banking app

Emma is a great banking app that has really helped me get my finances in order Reviewed on: 23rd March 2021

Great online banking app to keep you on track

Great app, really is helpful to see everything at a glance. Helps you keep mindful of your current status and is helpful for planning. Super useful ! Reviewed on: 22nd March 2021

Fantastic

All my accounts in one place! Makes a real difference in being able to see exactly how much money I have across all my current, savings, investment accounts. Have recommended it to so many people already! Reviewed on: 22nd March 2021

Decent Budgeting App

Nice dashboard, with simple to use, relevant features. flexibility to create own categories etc. Reviewed on: 22nd March 2021

Fantastic easy to use budgeting

Using Emma has really helped me keep track of my monthly spending, and even reminded me of a couple of subscriptions I'd meant to cancel. Can't recommend it enough! Reviewed on: 22nd March 2021

Budgeting made easy

I’ve used various spreadsheets and apps to try and manage my finances better but nothing worked and was visually pleasing to use until I found Emma. Well worth the subscription and far easier seeing all my finances in one place and managing my money. I’m so much better in control now. It’s also fun with the quizzes and weekly and monthly reports which motivates me Reviewed on: 22nd March 2021

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