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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

100% 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)

Emma Actually Helps

After trying so many different banking apps, Emma was the one that actually helped and stood out for me. Getting notifications when I am about to spend over my target, and being able to budget my income through many different sectors like grocery, personal, travel, has allowed me to reach my savings target! Reviewed on: 4th April 2023

Boss

Boss very very good yes would use Reviewed on: 4th April 2023

A Virgos Dream

Makes monitoring spending easy and the categories are great for people like me who love to organise things!! Reviewed on: 4th April 2023

Helps you save money!

Really clear app which categorises your spending, which really helps to identify places you could cut spending. Also clearly shows how much you have spent per month in comparison to your income. Love it! Reviewed on: 4th April 2023

Amazing

Emma has helped me balance my money and has really helped me save! Which is so important in the current climate. It’s highlighted where I’m spending too much and where I can save Reviewed on: 4th April 2023

Great app!

Emma has made it so easy for me to budget. Seeing all of my bank accounts in the one place is so handy! Reviewed on: 4th April 2023

Brilliant App

I love this app. It gives me weekly in-depth reports on my spending habits, where I’ve been spending money the most, how much I’ve said that week. It really makes me think about how much money spending at certain places e.g., coffee. It even has options of investing money in different things which I like. Would definitely recommend. Reviewed on: 4th April 2023

Eye opening

Seeing how much I spend at particular merchants each month really puts things into perspective when trying to budget Reviewed on: 4th April 2023

Fantastic customer experience

Really easy to use, great email communications and amazing financial help - very grateful Reviewed on: 4th April 2023

saved me so much

ive been using emma for a few months now and I have to say, its really helped my finances improve by a mile! not only does it track your spending for you- but you also get a review of how youre doing in comparison to other users! this helped me really track what my money goes on and remove unnecessary bills and cut out some bad habits! massive thank you to the finders of this app! Reviewed on: 4th April 2023

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