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