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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)

Very good budgeting

Really insightful and useful. Also free Reviewed on: 25th January 2019

Best banking app available

This is by far the best presented and most intuitive banking app available today. I've used practically ever financial app available and this beats them all hands down. Information is presented clearly in an easy to understand format. There are so many great features available. Fully recommended. Reviewed on: 25th January 2019

At last! An app that enables me to keep control of my finances!

Not only is Emma the best finance app by far (and I’ve tried them all) but the response to queries is amazing. Most times I submit a query I get as response within 2 minutes. Fantastic app. Reviewed on: 25th January 2019

Great financial overview and analysis app

If you have more than a couple of accounts it becomes hard (and manual work) to keep track of what’s happening. Emma has been great at giving a great summary of all money and allows drilling down into the details too. Much recommended. Reviewed on: 25th January 2019

Invigorating

To be able to see everything in one place is going to help me massively in managing my finances. So glad I found Emma. Reviewed on: 25th January 2019

Already recommending to everyone!

Emma is great, having more than 6 accounts it's quite hard for me to keep track of my spending; but now I can! Reviewed on: 25th January 2019

Pocket Financial Advisor

I was dubious when i downloaded Emma on my phone, i had been looking for an app to use to check out spending habits and future payments to help me plan ahead. Emma ticked all the boxes and sends me gentle reminders and notification for different DD's and income as well as trends and analytics which really help when months are tight. Reviewed on: 25th January 2019

Great app for checking your spending habits and so much more!

App is great to see where your money is going. You can filter to see if there is one particular store/company you are spending a lot of money at. You can filter it to see what category you are spending most of your money. It is great is recognising the category and rarely get it wrong, but if it is wrong it is two clicks to get it into the correct category. Also helps to set budgets for each category and better manage your money. New features are added weekly. Highly recommend this app! Reviewed on: 25th January 2019

Perfect

Great for personal financial management Reviewed on: 25th January 2019

Best money management for people all ages

I have used countless applications to manage money, none of which come close to the sleek design, simplicity and wholesomeness of Emma. Emma feels much more personal with inspirational quotes on the dashboard. The application feels very safe. There is still room for improvement in banks offered and other features, but Emma asks it's users what features they would like to see within the app in future updates. I am positive that I will use Emma going forward to budget and track my spending. Reviewed on: 25th January 2019

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