emma-app.com

3.7
3.7 Based on 201 reviews

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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Average Rating

3.7

/
5

201 Reviews

5 Star
60%
4 Star
7%
3 Star
2%
2 Star
2%
1 Star
28%

Filtered Reviews

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Review Time

Tony Bowe
Great App.

Great App to help you track your spending.

5
Date of experience: Nov 04, 2025
Hollie
Not worth the time just get plum

I closed my Emma account because frankly Plum is better and although the account is deleted tha the direct debit has been cancelled with my bank £50 was still withdrawn by Emma and since I no longer have an account trying to get through to actually speak to a person about getting the money returned has been nothing short of absolute nonsense

1
Date of experience: Oct 31, 2025
Shelly
Great app and problem I had sorted…

Great app and problem I had sorted promptly

5
Date of experience: Oct 30, 2025
Agnieszka
thank you for your help

thank you for your help, quickly and efficiently

5
Date of experience: Oct 29, 2025
Nikolay Gospodinov
Nikolay Gospodinov

Thank you have big problems Emma I dont have options transfer investment For account

5
Date of experience: Oct 29, 2025
Ashley Keir-Bucknall
Aggressive, overly complex and charge through the nose

I got caught last year by their annual subscription fee after not being super impressed by the app but forgetting to cancel my free trial in time.Emailed customer support to cancel and request a refund and stated explicitly that I didnt want to be locked into a yearly subscription for an app I wasnt planning to use. Izzie was reasonable and agreed to cancel and give a partial refund.1 year later and I get charged ANOTHER EIGHTY QUID and when emailing Izzie back to ask wtf?, apparently the only way to actually cancel is to reinstall the app I havent used in a year, struggle my way to navigating to the right page then jump past pop up after pop up asking "Am I really really super duper sure I want to cancel?🥺" to still not be able to delete my account and only be moved to a (free *for now) "Basic plan".Additionally, apparently because they didnt cancel the autorenewal as originally requested, it's too bad so sad I can't get a refund for the latest unconsented to charge.Luckily my bank are aware and confused at what theyre playing at because honestly, what the heck?!Absolutely livid.

1
Date of experience: Oct 28, 2025
Red Foxglove
False promises and fraudulent behaviour

I took out a free trial of the app, based upon the advertisement EXPLICITLY stating that it would send me a cancellation reminder two days before I was charged. I have complex mental health issues and would NOT have taken out the trial without that promise.No such email arrived (I have searched my spam folder) and I have just been charged £83 for an annual subscription (I was also under the impression the subscription renewed monthly)When I go to the help section, Emma claims it doesn’t “guarantee” a reminder email. This is fraudulent behaviour. Utterly unacceptable.

1
Date of experience: Oct 25, 2025
Graeme McKinlay
Access an savings pot issues.

Had issues to access an savings pot and withdraw funds and contact there customers service and they helped me out and give me some information regarding there timelines on payments and delays regarding the mass outage from the other day there. Highly recommend these guys for any financial services

5
Date of experience: Oct 23, 2025
Alan
Very Difficult To Use

This app in an attempt to over simplify has done exactly the opposite. The interface is more like a child's saving app than a serious financial app.After organising transactions into categories and tags within categories, I have spent the last 30 minutes trying to see spend in categories.Time to forget about this I think.

1
Date of experience: Oct 22, 2025
Tim  Tompkins
Really great app also I get a top rate…

Really great app also I get a top rate of interest on my money on deposit which More pays for the annual subscription

5
Date of experience: Oct 17, 2025

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Business Details

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

  • language https://emma-app.com

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