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Emma: Personal finance app 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
See only 5 star reviews
87%
See only 4 star reviews
11%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Andy Drummond's avatar
Andy Drummond

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
JD's avatar
JD
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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)

Fabulous app

5
I rely on this now to see everything that’s going on with my money - easy to use and nice aesthetics Reviewed on: 5th December 2018
Lisa Balfe's avatar
Lisa Balfe

Revolutionised my finances!

5
Having all my accounts/cards feeding into one place, the budgeting function, tracking my direct debuts and predicted spending... need I say more? Oh yes of course the Emma team’s approach to community and understanding their customers wants and needs. They definitely deserve the award! Reviewed on: 4th December 2018
Katherine Murray's avatar
Katherine Murray

Personal finances at a glance

5
Love being able to see all my finances in one place. New to this app but it’s alteady motivating me to take better control of my budget. I have never known an app to develop/add updates and new features so quickly. My own bank regularly wins awards but I think this app is actually better! Reviewed on: 4th December 2018
Sharon Wood's avatar
Sharon Wood

Constantly evolving!

5
This app gets better and better. With the days, and weeks that pass more integrations are added as well as new features. It makes this app so useful to see your financial life in one comfortable, easy to use location. Reviewed on: 4th December 2018
Tom Warren's avatar
Tom Warren

Fabulous financial app! Just what I was looking for.

5
Very simple to use and incredibly useful at organising finances across different accounts. Exactly what I was looking for and the user interface is so much better than Yolt. Constantly being developed and improved - what is not to love? Reviewed on: 4th December 2018
Penny's avatar
Penny

Better than all the rest

5
I've used Emma since the start, it's better than each individual app combined. I use Emma more than my actual banking apps for everything other than payments and transfers. It's also getting better every day. Keep up the good work. Reviewed on: 4th December 2018
John Piggford's avatar
John Piggford

Clear & Informative

5
I have tried a number of money management and bank account tools and Apps over quite a long period and not found so easy to use as Emma. It’s intuitive sign up process is a dream and I have confidence in the overall security - so far! Reviewed on: 4th December 2018
Jim Newton-Smith's avatar
Jim Newton-Smith

Game changer

5
Great app. Have worked hard to get as many integrations as possible so you can see your whole financial picture in one place. Regular updates and feature additions - payday is a godsend. Good communication and very responsive. Bit funky to look at, but their FCA registration convinced me to take them seriously and I'm very glad I did. Reviewed on: 4th December 2018
Andrew's avatar
Andrew

Fantastic service

5
Emma is so useful and easy to use! Highly recommend, it has upgraded my personal finance! Reviewed on: 4th December 2018
Andrew Doyle-Whitty's avatar
Andrew Doyle-Whitty

Getting better all the time

5
I was impressed when I first started using the app, but it has improved greatly since then. So easy to use, and I have not found and real problems whilst using it. Reviewed on: 4th December 2018
Jayfell's avatar
Jayfell

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