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%

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Review Time

Katie Riches
Wow amazing customer service!

Wow, it was so refreshing to come across a really supportive and helpful customer service who went above and beyond. I was actually emailing for a refund and Kevin explained why the payment had happened, how to prevent it next time and ensured I’d correctly followed the process to receive a full refund. Highly recommend

5
Date of experience: Oct 17, 2025
Olivia
Amazing customer service

Amazing customer service - easy to find what you need. I will be back.

5
Date of experience: Oct 16, 2025
Irina
Excellent app for personal finance…

Excellent app for personal finance management. Provides clear transparency across all accounts and cards, making it very easy to stay on top of expenses and monitor your monthly budget.

5
Date of experience: Oct 14, 2025
Andressa Sousa
They never replied on chat

They never replied on chat. Horrible customer services Just took the money from my account

1
Date of experience: Oct 14, 2025
Zara Brough
Nobody replied

I spoke to the chat once, then needed help again. So I messaged again and nobody replied.

1
Date of experience: Oct 13, 2025
Chloe Campbell
Great great great

5
Date of experience: Oct 12, 2025
Mick
Awful 😖 Untrustworthy

Awful 😖 STAY AWAY FROM THIS APP .There are much better and more trustworthy apps then this

1
Date of experience: Oct 10, 2025
Chris Bray
These guys are great when they have…

These guys are great when they have your money. When you decide to cancel the membership whilst you review it its financially worth while and to avoid the lumpy annual subscription the app coincidentally errors and canr do this and cant do that. The chatbot makes it so difficult for you knowing very well the average person would give up. The net result rhey have now taken the annual subscription ans you have to ask for the refund.The development team have clearly focused their efforts on making it difficult to cancel the subscription and generate as much revenue as possible. For that reason I have cancelled my card, deleted the account and the app!

1
Date of experience: Oct 09, 2025
Meghann McFarlane
So I've had Emma for 3 months now

So I've had Emma for 3 months now, paid account.During the 3 months I've found that I've not used the app at all! One of my reasons? The passive aggressive, cheeky messages. I think they are trying to be informal but all it done was irritate me to the point I didn't want to log in and see anything.I'm aware I can turn off notifications but then what's the point? I know I probably seem like a Karen but at the end of the day this is a service I'm paying for, to improve my finances. Not to be berated every day by an auto generated notification. Also, finances especially in this day and age aren't something to joke about.Either way I find the app annoying and rude, when I went to cancel there I was met by 5 separate and a little desperate pop ups asking me to stay and giving me offers etc ... I think it's just a bit of a useless app for me and my friend that tried it was the same.I've found that quite a few of the subscriptions I pay don't appear on it, also that the time between payments been taken/wages in and the Emma app notification can be anything up to 24 hrs and for me that's just not useful.

1
Date of experience: Oct 09, 2025
Nathalia Khan
A fantastic app which helps me to track spending!

A fantastic app which helps me to track subscriptions and spending better than my mobile banking app! Saved me £40 by highlighting unwanted subscriptions in my first month of downloading the app. 😍

5
Date of experience: Oct 07, 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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