While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

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
4-star
3-star
2-star
1-star

Replied to 37% of negative reviews

Typically replies within 1 week

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

Relentless spam

I signed up but quickly learned that they weren't a service I would use.

It's not possible to be removed from their email lists, no matter how to you try to unsubscribe. They send multiple emails per day, and reporting it as spam to your email provider somehow doesn't seem to work.

13 July 2025
Unprompted review
Rated 1 out of 5 stars

No autonomy on payments.

Was not able to cancel free trial with out going to
Great effort . no notification of trial end and doesn’t appear in Apple subscriptions . Doesn’t support my investment accounts . Interface was good but made it difficult to cancel free trial and no warning before payment was taken . Dislike lack of autonomy for payment plans .

13 July 2025
Unprompted review
Rated 1 out of 5 stars

In App Sales Prevent Registration

This was sold to me as a free account but on set up I keep getting referred to a paying account. Help line is not responding. After linking my live accounts to track my spending this is very worrying

10 July 2025
Unprompted review
Emma logo

Reply from Emma

Hi Thelma,

thanks for reaching out and providing feedback.

We have just checked internally and live chat has just got back to you.

Rated 5 out of 5 stars

Invaluable and easy to use budgeting app

I have been using Emma for a year now and find it invaluable in keeping track of my budget and transactions. I actually find it fun to use and find many other features helpful such as cashback and the fraud tracker. They’re frequently adding new features based on customer feedback and their customer service is great too

1 July 2025
Unprompted review
Rated 5 out of 5 stars

Easy tracking of expenditure

All bank accounts in one place and a great customer service team when you need to query something.

At a glance, I can find a missing business expense or see how the price of something has changed over time.

1 July 2025
Unprompted review
Rated 5 out of 5 stars

The app is honestly amazing

The app is honestly amazing, it has helped me become aware of my finances, get out of debt, and stop overspending every month! The budget tool is fantastic at helping me visualise how much money I have for certain things, it even gives a monthly average based on previous spending so you know whether the budgets you're setting are realistic or not. For less than £10 a month, this is unbelievably worth the money! I also like the graphs for net worth, debt, and assets - as it helps me view trends over time. I can see how I'm improving each month, quarter, or year. I cannot rate this highly enough if you're also struggling to keep on track of your finances.

27 June 2025
Unprompted review
Rated 5 out of 5 stars

Amazing tool for budgeting

Personally I had a great experience so far with Emma app. I found it such a useful tool to keep track of my spending and stay within my monthly budget. It is very userfriendly and the customer service is great and replies promptly. Thanks Kevin for your help!

24 June 2025
Unprompted review
Rated 5 out of 5 stars

Emma is a great financial app

Emma is a great financial app. It is easy to use and helps me immensely with creating a budget, sticking to it, and really having a solid idea of where my money is going. It’s user friendly - highly recommend!

22 June 2025
Unprompted review
Rated 5 out of 5 stars

Brillant app

Really good app. Helps you make plans save money and gives you a brillant overview off your spending. Would really recommend it. My brother told me about it was abit sceptical. But do not regret using it.

16 June 2024
Unprompted review

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look