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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)

Simply just a user of the app

The reason for the vote is the simplicity. With little to no effort I can see my budget, expenditure, overall debt, or credit and easily understand my financial position across all my accounts. Reviewed on: 4th April 2023

Makes budgeting easier

Puts everything in one place so it’s easy to track and budget your finances! Reviewed on: 4th April 2023

Amazing experience

Emma held me to keep track of my spendings by category which bank accounts have only recently started doing properly but they still don’t offer the detailed breakdown that I can find on Emma and give the option to save for certain goals. Love the app! Reviewed on: 4th April 2023

Day to day must have app

User friendly, great functionalities, good pipeline of new features Reviewed on: 4th April 2023

Emma keeps me right!

I like how I can check my finances and keep current with the reports and advice. Reviewed on: 4th April 2023

Great app for budgeting, tracking finances and Staying on top of investments

Emma has everything you could want when it comes to staying on top of and tracking your finances. Even if you don't pay for the premium version there is a great amount you can get out of this app. You can connect all your bank accounts and get an overview of your overall expenses as well as day to day expenses. It even gives you tips on where you can save money. Mine, for example, showed that I could save up to £200, if I switched my broadband plan. The app is password or fingerprint protected, so only you can open the app in your phone. Emma gives you insight in popular investments as well as in most traded, held and watch investments. It is a good first introduction of the stockmarket. On the Emma app you can manage your business accounts, make bank transactions, get up to 1.76% interest rate on your savings and much more. I would recommend to download Emma, if you are trying to organise your financial life and grow financially as well. I sure want to. Reviewed on: 4th April 2023

Amazing product

It has everything I need, all in one place, and it looks great. What a service! Reviewed on: 4th April 2023

Emma is a must have app!

Whether you are comfortable managing your finances or need some help learning how to budget, Emma is a convenient and user-friendly tool! Reviewed on: 4th April 2023

made my budgeting super easy

I was new in UK and started using Emma 6 months back and it helped me manage money amd start over my life in a new country Reviewed on: 4th April 2023

Emma is a great app

I've been using the Emma app for about six months now, and I must say, it has become my ultimate personal finance companion. I've tried various budgeting and finance apps in the past, but none of them have had the same impact as Emma. The app's design is clean, intuitive, and user-friendly. The colors and graphics are appealing, making it a pleasure to navigate through my finances. Emma has been excellent in helping me keep track of my expenses, income, and savings. The app automatically syncs with my bank accounts and credit cards, providing real-time updates on my spending habits. This feature has been a game-changer for me, as I can now instantly see where my money is going and adjust my spending accordingly. The budgeting feature is incredibly helpful, allowing me to set spending limits in various categories, such as groceries, entertainment, and transportation. Emma even sends me notifications when I'm about to exceed my budget, so I can make better financial decisions. Another feature I love is the subscription tracker. It has helped me identify and cancel unused subscriptions that were eating away at my monthly budget. The savings insights also provide useful tips on how to save more money by cutting down on unnecessary expenses. The app's security is top-notch, using bank-level encryption to protect my data. I also appreciate the option to use biometric authentication for added security. The customer support has been responsive and helpful whenever I've had questions. They are constantly updating the app, adding new features and improvements based on user feedback. The only minor downside is that the app does not yet support all banks and financial institutions, but they are continually working to expand their list of supported institutions. Overall, the Emma app has been a fantastic tool in helping me gain control over my finances, save more, and make better financial decisions. I highly recommend it to anyone who wants to take charge of their financial life. Reviewed on: 4th April 2023

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