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 visualisation of my finances

The app is a joy to use... Emma gives me great visualisation over all the places I keep my money (except the inside my mattress...). Coupled with the friendly and colourful design, Emma gives me a great insight into where my money actually goes. All this allows me to get a better grip on my finances and set SMART, achievable goals. Reviewed on: 4th December 2018

Fintech of the future

This app stands out from the competition. Great design, great functionality and a fantastically communicative team behind it. Reviewed on: 3rd December 2018

Super simple

Allows me to see all my accounts in one place so I can get the best of all accounts Reviewed on: 3rd December 2018

Brilliant!

This app has been so useful in allowing me to manage my finances. It lets me set myself monthly budgets, lets me know my balances, lets me see how much i’ve spent in one store over a chosen period of time, it does everything and more! 100% recommend it i’ve already told my friends who now love it too! Reviewed on: 3rd December 2018

Ever improving aggregation service

I've tried all the aggregation services since Open Banking came in and Emma is much further advanced both in terms of the providers it offers and features that actually help me manage my finances better without having to go to 9 separate apps. Reviewed on: 3rd December 2018

The most insightful financial app out there

Emma gave me a detailed insight into exactly what I was spending (wasting) money on and even those pesky recurring bills I didn't remember signing up for (Cheers for the savings!). With emma I trimed back on categories where I could save and cut off services I hardly used or didn't use at all. Emma is the main reason I can finally say I actually have savings in my account. Reviewed on: 2nd December 2018

:)

May the gummy bear force be with you. Reviewed on: 2nd December 2018

Gummy revolution!

The Emma app has really changed how I spend and how I look after my finances. You have single handedly change me as a person for the better. Thank you. I've told numerous friends and family. I'm trying to continue the gummilution!!! Reviewed on: 2nd December 2018

Just life changing

This app is changing my life and helping me manage my cash with so much ease! Thank you Reviewed on: 2nd December 2018

Excellent app for banking insights

I have a few accounts and it's nice to see them all in one place. Emma reminds me when I get paid, when my recurring payments exit my account, and gives me great insights into how I spend my money. It's great! Reviewed on: 1st December 2018

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

Money Transfer
from Currency Solutions 4.06 from 1 reviews
App (discontinued)
from Moneyhub 4.71 from 5349 reviews
Home Savings App
from Nude 4.14 from 5 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