scam
it has just tried to charge me 90 quid i don’t have a subscription or anything on this app.
Scam
Be very careful.. they robbed £83.99 off me without my permission. And there’s not even anyone to ring up and complain to. The in app support chat took ages to reply. Felt helpless. Quite ironic that an app claiming to help you budget takes £83.99 off you
Very intuitive
Really good ways of taking the saving and managing our of your hands
Helpful staff
All sorted
Make sure you cancel any trail.
Make sure you cancel any trail.
Poor
Would be great to have apps specifically say they charge and how much it costs clearly. Tried 3 banks and only 1 connected- some banks missing too. Waste of time
Error message every time
I just receive an error message every time I try to use the app so haven’t actually been able to get on and use it. Waste of time.
The one app I use every day to manage my finances
I’ve been using Emma since 2021, and it’s genuinely become an essential part of how I manage my money.
I now have over 25 accounts connected or tracked in Emma, including bank accounts, savings pots, ISAs, pensions and other assets. Having everything in one place gives me a complete picture of my finances and, importantly, how my net worth is changing over time.
But what originally drew me to Emma, and what keeps me coming back every single day, is the practical budgeting and forward planning.
I rarely need to log into my individual banking apps anymore. Instead, I open Emma to see what my balances are expected to be just before my next payday. Because Emma factors in my scheduled payments and upcoming commitments, I can see what money I’ll actually have available in each account, rather than just what the bank says I have today.
For me, that’s the real game-changer. It takes the guesswork out of managing money and gives me confidence that I know exactly where I stand throughout the month.
I started using Emma in 2021 to manage my own finances, and later brought our joint accounts into the picture. That transition was seamless, and Emma has handled the added complexity without any issues.
What started as a budgeting tool has become my personal financial dashboard, bringing together everyday spending, future cash flow and long-term wealth tracking.
After more than five years, it’s still the first app I open when I want to know where I stand financially. Highly recommended!
I now have over 25 accounts connected or tracked in Emma, including bank accounts, savings pots, ISAs, pensions and other assets. Having everything in one place gives me a complete picture of my finances and, importantly, how my net worth is changing over time.
But what originally drew me to Emma, and what keeps me coming back every single day, is the practical budgeting and forward planning.
I rarely need to log into my individual banking apps anymore. Instead, I open Emma to see what my balances are expected to be just before my next payday. Because Emma factors in my scheduled payments and upcoming commitments, I can see what money I’ll actually have available in each account, rather than just what the bank says I have today.
For me, that’s the real game-changer. It takes the guesswork out of managing money and gives me confidence that I know exactly where I stand throughout the month.
I started using Emma in 2021 to manage my own finances, and later brought our joint accounts into the picture. That transition was seamless, and Emma has handled the added complexity without any issues.
What started as a budgeting tool has become my personal financial dashboard, bringing together everyday spending, future cash flow and long-term wealth tracking.
After more than five years, it’s still the first app I open when I want to know where I stand financially. Highly recommended!
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Response from developer
Hi there, thank you for taking the time to write your comment. We're truly glad to hear Emma has become such an essential part of your financial journey! It's fantastic to know our budgeting and planning tools help you feel confident and keep everything in one place. Thank you for continuing to support us!
Hard to cancel
I tried so many times to cancel this app and they still take the payment
DO NOT DOWNLOAD
Even after removing the app from my phone and cancelling my subscription this app still took £89.99 off my bank account without my permission
Mr
Don’t install this scam. First get all the info, and after ask for money to share it with you
Disappointing for an App Designed to Help You Save Money
I downloaded Emma to trial its budgeting features, but my experience has been incredibly disappointing.
This morning, I was actively trying to cancel my subscription, only to discover it wasn’t listed under my Apple subscriptions. Literally two minutes later, I was charged £83.99 for Emma Pro, a service I had no intention of continuing with.
What makes this particularly frustrating is that I received no advance reminder or notification that such a substantial payment was about to be taken.
For an app that promotes itself as helping people manage their finances, taking £83.99 without a clear reminder feels completely contradictory to its purpose. People download budgeting apps to gain control over their spending, not to be caught out by unexpected subscription charges.
To their credit, my refund was processed quickly after I cancelled, which I appreciate. However, I’m now left waiting 5–10 working days for the money to return to my bank account.
The whole experience has left a very negative impression. I would strongly recommend that Emma introduce clear renewal reminders and make its cancellation process more transparent.
Unfortunately, I wouldn’t recommend the app based on my experience.
This morning, I was actively trying to cancel my subscription, only to discover it wasn’t listed under my Apple subscriptions. Literally two minutes later, I was charged £83.99 for Emma Pro, a service I had no intention of continuing with.
What makes this particularly frustrating is that I received no advance reminder or notification that such a substantial payment was about to be taken.
For an app that promotes itself as helping people manage their finances, taking £83.99 without a clear reminder feels completely contradictory to its purpose. People download budgeting apps to gain control over their spending, not to be caught out by unexpected subscription charges.
To their credit, my refund was processed quickly after I cancelled, which I appreciate. However, I’m now left waiting 5–10 working days for the money to return to my bank account.
The whole experience has left a very negative impression. I would strongly recommend that Emma introduce clear renewal reminders and make its cancellation process more transparent.
Unfortunately, I wouldn’t recommend the app based on my experience.
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Keeps taking money out my account despite not using the app for months
So basically I decided to do the free trial, then all of a sudden you guys decide to try and take £10 out of my account which got declined due to that much not being in my account and now you’ve taken £10 out of my account! Absolute scam, DO NOT DOWNLOAD
Paywall as always
Redownloaded this because I found it really useful a few years ago, only as is classic nowadays, the app is majoratively locked behind paywalls and subscription tiers now. Tragic but expected. I shall be re deleting now.
Ridiculous pricing and cancellation tactics
Signed up for the free trial and decided to cancel after seeing the £9.99 monthly subscription price.
When I tried cancelling, I was suddenly offered 50% off. I declined, and they immediately offered me 70% off instead!
How can a company justify charging customers £9.99 a month when they’re apparently willing to offer the exact same service for around £3 just to stop someone leaving?
For an app that’s supposed to help people manage their money, these aggressive retention tactics are pretty ironic.
Not impressed at all. Glad I cancelled before being charged.
When I tried cancelling, I was suddenly offered 50% off. I declined, and they immediately offered me 70% off instead!
How can a company justify charging customers £9.99 a month when they’re apparently willing to offer the exact same service for around £3 just to stop someone leaving?
For an app that’s supposed to help people manage their money, these aggressive retention tactics are pretty ironic.
Not impressed at all. Glad I cancelled before being charged.
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Discussing………
Took funds without my authority. Took money for a full year pro. When I was on the free tier no warning no email discussing. Reporting to Apple too this is ridiculous.
Keeping an eye on my monies 🫣🫣
I like that instead of logging in & out of my Banking App this makes it less scaring & overwhelming 😳😳
Promising but not for me
The whole purpose of looking at a financial app for management and tracking spend/budgeting is to help manage expenditure and reduced spending. By having even basic features hidden behind in app purchases completely goes against the purpose. I will happily continue to track and manage my own spend, for free in my own spreadsheet thank you.
Good concept, though, if you’re prepared to pay subscriptions.
Good concept, though, if you’re prepared to pay subscriptions.
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AWFUL!
Took my money without my authority and completely ignored me when I tried to get a refund. Do not recommend at all.
I love the app!
The only annoyances I have are the logo update not working for offline accounts and that when you settle balances in groups, it all counts as one transaction for you!
SCAM
I downloaded after seeing loads of ads so had a look linked my bank then it wanted monthly payments, so declined and removed the app, 1 week later it took a full years payment out of my bank, then offers half price and then 70% off if your leaving didn’t find any double subscriptions and is absolutely useless in my eyes
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