Write a review

Newsletter

Go to business site

Emma: Personal finance app reviews

Name: Personal finance app
Rating: 4.88 (3559 reviews)

View other Emma products

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

Read all reviews Write a review

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.

Review Emma: Personal finance app now

Help others make smarter decisions by sharing your own experience.

Write a review

Emma Personal finance app reviews (3559)

great app to keep track of money

found out about this app by chance and I just wish I had before. Really helpful to have all my cards and account together and keep track of the spendings, which are scary! Reviewed on: 25th January 2019

Customer centric and in constant beta

Emma succeeds in picking the right tone with its audience to make itself "one of us". Emma listens to its customers and keeps them engaged by regularly informing its customers about new features and rolling them out in quick succession. Very solid PFM with a clear and promising roadmap Reviewed on: 25th January 2019

Emma makes financial sense

Quite a lot of finance apps such as Yolt and moneysavingexpert. Make the interface very very complicated and not straight forward. Emma have made an app that’s not just easy to use. But straight forward to manage your finances. Reviewed on: 25th January 2019

Keep a keen eye on you Finances and make savings

I was a little sceptical at first about using an app that monitored my spend - I thought I was doing a good enough job of that - but it has absolutely turned my financial life around. I have gone from literally just managing payday-to-payday to actually having savings. It has helped identify spend trends, has kept me grounded and lets me see my upcoming so I have no surprises or payments I'd forgotten about. Hat's off to you - great product and would definitely recommend. Thank you! Reviewed on: 25th January 2019

Brilliant service!

It's very good and analysing what you spend and helps you save! Reviewed on: 25th January 2019

All you need to budget

This is the only app that I have found to have all the necessary features to start budgeting. It has the potential to turn everything around! Reviewed on: 25th January 2019

The best financial advocate around.

The app is constantly transforming in a dynamic way and quickly leaving its competitors behind in the dark ages. Features such as spend review, categorisation and notifications go beyond the standard money apps you aren’t likely to find in the market. Reviewed on: 25th January 2019

Extremely useful

This app has changed completely the way I manage my personal finances and helped me save money on the very first month I started using it. Reviewed on: 25th January 2019

A welcome companion

Pairing the brilliant UX with the brilliant use case, Emma is a welcome companion in managing my financial life. Reviewed on: 25th January 2019

Excellent account aggregator

Best looking app of all the account aggregators I’ve tried and best for individual transaction information. Seems to be adding features at a fast rate. Limitation compared to other account aggregators is it supports less banks and building societies than other aggregators Reviewed on: 16th January 2019

Do you have a different Emma product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Payments
from Cheddar 4.44 from 73 reviews
Personal Finance App
from Novus 3.55 from 5 reviews
Real time receipts
from Flux 4.77 from 98 reviews

Want to see more from Emma?

General investment account
from Emma 0.00 from 0 reviews
Stocks and shares ISA
from Emma 0.00 from 0 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub