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Review summary

Created with AI, based on recent reviews

Considering 191 reviews, most reviewers were somewhat happy with their experience overall. Many consumers find the app user-friendly and effective for tracking spending, managing budgets, and consolidating financial information. They appreciate features that help them understand their finances, get out of debt, and save money, often describing the app as intuitive and well-designed. However, some people were dissatisfied with payment and subscription issues, reporting unexpected charges after free trials and difficulties in canceling subscriptions. There are also mixed opinions regarding customer service, with some reviewers praising prompt and helpful responses, while others experienced unresponsiveness and challenges in resolving issues.

What people talk about most

Application

Reviewers mention ambiguous feedback about the app. Many customers praise the app as genuinely useful for... See more

Customer service

Consumers find customer service experiences to be ambiguous. Many reviewers praise the support, highlighting... See more

User experience

Customers consistently note positive experiences with user experience, finding the app genuinely useful for... See more

Payment

Clients express negative opinions on payment, with many reviewers reporting unexpected charges or billing... See more

Subscription

People report negative experiences with subscription. Many consumers express dissatisfaction, citing hidden... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Emma allows you to connect to any bank account you have an app for on your device, She 😁 tracks you receipts and spending Spending categories allow you to group payments by type and sub type, IE... See more

Rated 4 out of 5 stars

I thought that, with the name “Emma” and the teddy bear icon, the app would be lightweight and superficial. I used Moneydance for 12 years but they didn’t enbrace open banking and their IoS apps were... See more

Company replied

Rated 4 out of 5 stars

I have ADHD and needed to get a grasp on what was actually going out of my accounts each month. The Emma App allowed me to easily connect to my bank, pull the details together and present exactly... See more

Rated 3 out of 5 stars

I really want to recommend Emma, but as a long time - and indeed paid up customer - they’ve neglected the basics. Month after month still have to recategorise regular transactions or relabel them, app... See more

Company replied


Company details

  1. Money & Insurance

Information provided by various external sources

Emma helps people manage their money, pay off debt, avoid overdrafts and track subscriptions. An AI financial assistant made by humans for humans.


Contact info

3.5

Average

TrustScore 3.5 out of 5

511 reviews

5-star
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1-star

Replied to 37% of negative reviews

Typically replies within 1 week

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Rated 1 out of 5 stars

No customer service as no response over 2 weeks

Used it for the free trail ... trying to get hold of someone for 2 weeks now to stop the subscription as the passcode now doesn't work conveniently..... still after 2 weeks awaiting a call or email back to be able to gain access to stop the subscription. Much easier to just cancel on my banking app which i have now done.
The free trail not worth it in my opinion if you check your banking app it shows you reoccurring payments for free with no subscription needed. Crap app with no customer service or help whatsoever ever..... stay clear

May 1, 2025
Unprompted review
Rated 2 out of 5 stars

Forced to setup autosave to access my money

The app works very well and the budgeting tool is very useful. The pots feature in the Save tab was a fantastic functionality until they decided to hide or block it until you setup an autosave, which requires granting them direct debit access to my account. It took me a long time to find my pots through other menu options. It made me realise that Emma could easily lock me out of ny savings. I contacted the support and was advised to setup the autosave (i.e., direct debit to my account) and pause it. I found this move very shady and no longer trust the service. I have now moved the little money I had in my pots elsewhere.

May 9, 2025
Unprompted review
Rated 5 out of 5 stars

Can't imagine life without it now.

I started using this app around the time Yolt was shut down and it is now a vital part of my financial life. While I don't use all the features it offers, I do use it extensively to keep me aware of what is going on with my money. From moving money from one account to another, to keeping an eye on my credit card balances, to being able to have a good idea of my net worth, I would be quite lost without it.

Emma has some great folks working behind the scenes, which is a testament to how they are after you become a customer. I had a problem with billing and referral credit not being applied. Edoardo on the Emma support team was fantastic and got it resolved within a day. From giving me steps to take myself, to running recon behind the scenes, to working with an engineer to get the problem sorted, Edoardo ensured an incredible customer experience for me. It has given me new faith in the app and my remaining a customer.

April 14, 2025
Unprompted review
Rated 5 out of 5 stars

Outstanding Service and Exceptional Support!

I recently reached out to Emma’s customer service regarding an upgrade to my subscription, and I was truly impressed by their responsiveness and care. Edoardo, customer service team member, went above and beyond by offering me six months of Emma Pro for just one pound—a solution that perfectly met my needs without any extra monthly burden. His professionalism, efficiency, and genuine commitment to customer satisfaction made all the difference, ensuring that I could continue managing my finances seamlessly. I’m incredibly grateful for such a considerate and positive experience, and I highly recommend Emma for their superb customer support. Thank you, Edoardo and the Emma team!

April 11, 2025
Unprompted review
Rated 5 out of 5 stars

Excellent customer service

I haven't actually used the app but I can say without a doubt their customer service team are amazing. I purchased the app under the influence of some strong painkillers, after several calls and messages to my bank and no results, I emailed the Emma app customer services explaining my issue, on my second email I was told that id receive a full refund, I will definitely be recommending the app to anyone that needs their help

Thank you again to the Emma customer service team

April 8, 2025
Unprompted review
Rated 5 out of 5 stars

Game changer

The app is a total game changer for those trying to take control of their finances. I started and failed at using spreadsheets for years and would end up in my overdraft every single month. Emma provides amazing visibility and incentive to save. All the hard work is done for you, all you have to do is keep a watchful eye and make choices based on what is reflected in the app. In less than 2 months of using the app I have gone from -£1500 to having £1500 in savings.

April 1, 2025
Unprompted review
Rated 5 out of 5 stars

Great App

Great App. Already helped spot a fraudulent payment. Keeps tabs on balances so I can transfer money when needed.

March 29, 2025
Unprompted review
Rated 1 out of 5 stars

Avoid

Avoid. During sign-up you will be asked to provide personal details and, if you wish, to link your bank accounts. Only then are you told that you will have to pay £8.99 per month to use the app (with a 7-day trial period).
I tried to opt for the free plan but kept being taken back to the paid plan sign-up. I then uninstalled the app.
That's 15 minutes of my life I'll never get back. I just hope no money has been taken from my account.

March 30, 2025
Unprompted review

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