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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)

Simple, efficient & Inspiring

Since using Emma is has aided me in both personal & business matters. The unique blend of managing your personal finances and being able to take information it provides to see your nett worth etc is simply electric! Thanks Emma may even call my next child after you! :-) Reviewed on: 18th March 2021

Great to see your spending

Really helps to see spending then budget. And has fun way to interact and tell you what is happening and where your money is going. Love the weekly reports. Reviewed on: 18th March 2021

Fab!

Brilliant! A fun way to keep my spending on track and plenty of encouragement towards my financial goals. Reviewed on: 18th March 2021

Helps a lot

Helps managing my finances like a charm Reviewed on: 18th March 2021

Emma holds me to account to save my accounts!

I downloaded Emma last month and it has been brilliant. I'm always updated about my budgets and how I'm spending. I receive congrats when I save which is encouraging and the app also keeps it REAL when I don't. Emma sends notifications like a friend so I feel less bothered and more supported. It also encourages me to invest and prioritise cashback so I can grow my money! Emma even picked up my chicken shop habits which has made me aware of my diet too. Love it! Reviewed on: 18th March 2021

Super app

Easy to use but not irritating! Just the right balance of notifications and support! Reviewed on: 18th March 2021

Absolutely, amazing!

Couldn’t be happier! Me and my partner have our first house together, and you guy’s made that possible for us. So I’m extremely delighted! The Communication was extremely excellent, the best rates and I look forward to dealing with the company. Reviewed on: 18th March 2021

Clean interface, easy to use

Have been using this for a while and compared to other tools this has a clean interface that's not confusing, is very easy to use and properly support Starling bank's savings pots. Reviewed on: 18th March 2021

Easy to use and great overall

I struggled with finances and savings but Emma helped out with all of it and simplified it for me Reviewed on: 18th March 2021

Bring all you need to know about your accounts in 1 app

Gives you visibility of your accounts spending that banking apps currently don't do/do well enough. Setting goals and comparing to previous weeks and months makes it super helpful, and has become a go-to to sense check whether I can splurge or not without feeling the purse strings getting too tight! Reviewed on: 18th March 2021

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