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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

67% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

88%

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)

The best way to manage what you spend

I'd gone through several competitor products, solutions and home made hacks before Emma was suggested to me by a friend. It provides a simple, unified interface to see what's going in and out of all my accounts. Reviewed on: 30th November 2018

Essential

I recommend Emma to loads of my friends as the best way to keep track of my different accounts. It has given me financial confidence and the freedom to use different banks while still being able to access all my spending on only one app! Reviewed on: 30th November 2018

Sum up your bank account, safely, in one single app!

It has been the first app to be either Open Bank and fully FCA Compliant and when you connect your REAL bank accounts, this is very important. Reviewed on: 30th November 2018

Emma nailed personal finance management

After years trying the digital banking apps in the UK, I have to say Emma stands out with an extremely well designed user experience, always listening to the community, and constantly building new features that are astonishingly relevant – such as predictions. Reviewed on: 30th November 2018

Best personal finance app

I’ve been looking for this for a long time and I’ve tried all the possible apps out there. Nothing even comes close to how good Emma is and the potential it has. Reviewed on: 30th November 2018

The future of financial understanding

Makes my finances real and breaks down my spending habits into ways I can track them quickly and efficiently! Reviewed on: 30th November 2018

My companion

I can finally understand how I much spend and how optimise my budget monthly. Reviewed on: 30th November 2018

Consolidation is great

Few people have a single bank for all their activities. Emma combines data so that I can manage my activities from a single interface rather than having to manually do the work. As it brings in more banks, etc, it'll get even better. Reviewed on: 30th November 2018

Fantastic app

I’ve tried various financial management apps and so far none have helped me manage in a way that prevent me going further overdrawn or into debt so Thankyou Emma app! Reviewed on: 30th November 2018

Makes money easier to understand

This app makes it so easy to understand where all your money is going as it splits your spending into different categories. The budgets page is extremely useful and I love how everything is customisable. Good job guys! Reviewed on: 30th November 2018

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