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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)

Great app for a consolidated view of your finances

User-friendly, engaging, and I use it every day to manage and keep an eye on my finances - well-done team Emma! Reviewed on: 19th March 2021

Useful and informative App

All my financial data collated and accessible in one place. Well worth having! Reviewed on: 19th March 2021

Flexible & Easy to Use

I used to always have trouble keeping track of multiple bank accounts and credit cards throughout the month. Emma makes it so easy to check in - even on a daily basis - to make sure I’m on track for my monthly budget. Reviewed on: 19th March 2021

Simple to use

A great app that is simple to use and really helps me budget. I get paid every 4 weeks and this app has the flexibility to accomodate that. Reviewed on: 19th March 2021

New Perspectives

Emma helped me see my finances from a completely different perspective, clear my debts, invest and save, now I'm in positive net worth for the first time in ten years! Highly recommended! Reviewed on: 19th March 2021

Great

So easy to use, helps me categorise and keep a track on my money and payments. Reviewed on: 19th March 2021

Connect your bank accounts and BAM. You're in control!

Emma makes it super easy to track your finances across multiple bank accounts, credit cards and even your savings and investment accounts. I can also easily see how much I'm spending on different categories and reduce my outgoings by cutting down in areas we're overspending (Deliveroo - guilty!). Thanks Emma, you rock! Reviewed on: 19th March 2021

Has helped me understand my finances and stay on top of them.

Before I used Emma, I had money and debt across multiple accounts. Emma provides a clear way to see my finances and understand my outgoings better than any other app. Reviewed on: 19th March 2021

Helped me understand where my money was going

Being able to see summaries across my different accounts helped me to see where my money was going. Although it wasn't the only factor, it certainly helped me turn around my personal debt. Thanks Emma Team! Reviewed on: 19th March 2021

Great way to keep track of finances!

Emma app is a great app that I've recently started using. It keeps me ontop of my finances so I know exactly what is going on. My only quibble is that I wish my current account bank would allow the API for Emma. I'm not sure if this is Emma or Co-operative, but other than that brilliant! Reviewed on: 19th March 2021

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