Write a review

Go to business site

Emma: Personal finance app reviews

Name: Personal finance app
Rating: 4.86 (3559 reviews)

View other Emma products

4.86

Based on 3,559 reviews, last reviewed 17th Mar 2026

600% increase 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

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)

Helped me turn my life around.

Long story short, Emma exposed to me my poor spending habits. Since then I’ve managed to save and invest more, go on a holiday, and soon I’ll be able to buy my first car outright thanks to Emma. Life changer Reviewed on: 12th April 2023

Money anxiety

Emma was recommended to me by someone and it has really transformed my life in a very small but actually meaningful and significant way. While I’ve never been “bad” with money, I had built up a tremendous amount of anxiety over money. I would never check my bank balance but simply wait for the text that would say I was overdrawn. And if that hadn’t come before payday then great. Having Emma and the daily balance notification was the first step to helping me have less fear. The second step was actually looking at the breakdown/spending categories. This feature is so smart. And having this is quite simply the easiest way to track your spending and what you can maybe spend less on! With quite literally zero effort. I know the app is at its optimum utility when synced with credit cards to track overall spending. I will definitely be relying on it when I get my credit card. This is overall a great app and I couldn’t recommend it enough - money anxious or not, it can help in many ways. Reviewed on: 11th April 2023

Great app

I have been using EMMA for a couple of years. It is by far the best APP for personal finance. Reviewed on: 11th April 2023

Best personal finance app

Emma truly allows you to get a 360 view of your finances by leveraging Open Banking tech to connect and manage all your assets in one place. Bonus points for UI Reviewed on: 11th April 2023

Travel More with Emma

Emma is the best saving app ever - it helped me save up to £500 last year which contributed directly to my travel fund! Reviewed on: 11th April 2023

Nice money management app

Nice app with lots of helpful features for staying on top of your finances such as budgeting and analytics tools, ability to categorise and add notes to your transactions, and ability to search transactions. Reviewed on: 11th April 2023

Great site for keeping track of you budget

A great app to keep track of you budget. Only down side i have if that one of my main banks isn't supported. Reviewed on: 11th April 2023

Very useful app

Emma has really helped us track our spending. Great app and would recommend using it, especially in the current economic environment. Reviewed on: 11th April 2023

Amazing

This is amazing highly recommended Reviewed on: 11th April 2023

How it is

It's a great and easy app to use Reviewed on: 11th April 2023

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

Mobile Wallet
from bibimoney 5.00 from 1 reviews
Personal finance app
from Snoop 4.89 from 11130 reviews
App
from Smart Bill 4.51 from 8 reviews

Want to see more from Emma?

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