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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)

Amazing personal finance app

It’s pretty, it’s polished and it does exactly what it should. This app has realy changed the way I think about my spendings and it helped me a lot in planning my budgets so I can stay on top of my money! Simple and beautiful design yet powerful and feature rich. Easy to navigate and understand. Just awesome! Reviewed on: 30th November 2018

Easy to use and understand

It is simply delightful service that can help you budget with a few single clicks. I’m impressed with the service. Reviewed on: 30th November 2018

Stunning

The insights this app has given are brilliant. I can see everything I need in one screen, it’s beyond helpful and it looks stunning too. Brilliant app. Reviewed on: 30th November 2018

Amazing app

The app is fantastic and the constant updates are great. It has helped me get control of my money! Emojis in emails are a bit cringy though. Reviewed on: 30th November 2018

Eye opener

This app has helped me see our expenditure and how often we do things. I've been able to set targets for saving and known where saving could be made. The sport team are always available to answer any question and take suggestions very positively. Already recommended the app to family and friends and they to have had an eye opener. Reviewed on: 30th November 2018

Huge potential

This is a very smart way of aggregating complex finances, for example I have a personal current account with Monzo and a joint current account with Nationwide. When they get my Savings with Marcus and credit card spending with Amazon MasterCard I shall be s very happy bunny (or should that be gummy bear) indeed! Reviewed on: 30th November 2018

Clean and easy app

Having used similar apps in the past (Yolt) I was drawn to the clearer design within Emma where it's easier to view your financial position. The progress being made on features is impressive with quick delivery. Reviewed on: 30th November 2018

Smart App

Easy to use, gathers all financial information in to one place, helps to budget and see where you are spending. Reviewed on: 30th November 2018

Amazingly helpful app

Let's me change my payday to 4 weekly, gives me the ability to easily set budgets and compare my spending each monthly to see if there's any trends, notifications are useful and not too many. All in all a great well rounded app that is constantly developing despite already being so good, glad I found it. Reviewed on: 30th November 2018

Amazing app - great features

Love the flexibility and features, have been using it for about 6 months. Had previously used Bill Guard which was a US product. I’ve tried various apps since and this is the one to keep! Reviewed on: 30th November 2018

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