Awful app
So the app subscription doesn’t show up in your apple subscriptions. You can’t cancel the trial version. Then takes £83 out of your bank. Be very careful people.
Surprise surprise they don’t do the subscription through Apple because the have all your bank details and can take whatever whenever.basically the app that supposed to save your money takes your money.
Surprise surprise they don’t do the subscription through Apple because the have all your bank details and can take whatever whenever.basically the app that supposed to save your money takes your money.
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Best app ever
I loved the automatic connection that this app does, it’s so simple to organize my finances
Customer Service is atrocious
After finding out I had been charged after already closing my subscription and deleting the app, I tried to contact customer service for help in getting the refund. However, instead of receiving any help, I was given an automated response offering a partial refund or to just keep the subscription. Considering the amount I was charged, the fact I didn’t even get a response within the first few hours was ridiculous to me. I tried to reach out multiple times with being told the assistant was online, however I received no response at all. Not only is this app overpriced and unhelpful, the customer support was absolutely dire. Do not get the subscription, it will cause a lot more trouble than you would imagine.
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Stick at it
I come and go from this app. If you’re having financial difficulties, it can be hard to face when it’s glaring at you from an app, but use the app to get things in order. Hide what you don’t need to see while you’re working on it, focus on the improvements and let the app do its work and ditch subscriptions you don’t need. You will feel better :)
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Terrible app which forced me to pay a subscription
I forgot to turn off the annual subscription and asked to cancel the subscription on the day I got charged but they leave me no option to get a refund. This avoidance of subscription is entirely what they are advertising but the app defeated its purposes. I am quite disappointing and didn’t enjoy the app’s slow delivery of fund as well as bad investment management. They forced me to quit my investment account by changing their policy. This entire app is a pretty awful experience.
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Beware!
Almost impossible to cancel your membership!
Not as advertised
Does nothing that they say it does.
Avoid!
Took out a free trial after seeing an advert, the app did not do what I wanted it to do and I forgot about the free trial, next thing I know I’m being charged £83.99! Went on the chat to try and help resolve this but had to speak to a bot as it was a Saturday, didn’t hear anything back from a real person until Tuesday who offered to either give me a discount or refund me the £83.99 and switch me to a monthly plan, I took the latter and was told the refund will be back with me within 5-10 working days!! And just to add insult to injury they then tried to charge me £9.99 immediately after! Absolutely scandalous, do not use unless you want to be handing over as much cash as they seem fit!
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⭐️ **1 star – Totally useless for what I actually need**
I have a Lloyds account and normally use the Lloyds app, which I find quite good. I decided to give Emma another try, hoping it might be useful for getting a better overview of my finances.
Unfortunately, it is still disappointing.
For me, the **most important feature is being able to clearly see my expenses and regular payments**. Emma simply doesn't do this properly. The filters are poor, and even though I only have **three regular loan payments**, they are not displayed or categorised properly.
There is another serious problem with the way it handles money transfers. For example, I paid £440 cash into my main account after transferring money to my savings account, but Emma somehow shows **£880 coming into the account**. That makes the figures and spending overview completely unreliable.
And then comes the worst part: **trying to cancel the subscription**.
It was unnecessarily difficult and I had to go through a ridiculous number of questions before I could finally cancel it. For an app that is supposed to help people manage their finances and subscriptions, making the cancellation process so complicated is particularly ironic.
I had a look at the recent reviews on Trustpilot and I'm certainly not the only person who has had problems with subscriptions and cancellation. There are multiple recent 1-star reviews describing very similar experiences.
At this point, I seriously wonder whether this subscription/cancellation process deserves to be looked at by the appropriate regulatory authority.
**For me, Emma is simply not reliable enough to manage my finances. I'll stick with Lloyds.**
**1/5 — Would not recommend.**
Unfortunately, it is still disappointing.
For me, the **most important feature is being able to clearly see my expenses and regular payments**. Emma simply doesn't do this properly. The filters are poor, and even though I only have **three regular loan payments**, they are not displayed or categorised properly.
There is another serious problem with the way it handles money transfers. For example, I paid £440 cash into my main account after transferring money to my savings account, but Emma somehow shows **£880 coming into the account**. That makes the figures and spending overview completely unreliable.
And then comes the worst part: **trying to cancel the subscription**.
It was unnecessarily difficult and I had to go through a ridiculous number of questions before I could finally cancel it. For an app that is supposed to help people manage their finances and subscriptions, making the cancellation process so complicated is particularly ironic.
I had a look at the recent reviews on Trustpilot and I'm certainly not the only person who has had problems with subscriptions and cancellation. There are multiple recent 1-star reviews describing very similar experiences.
At this point, I seriously wonder whether this subscription/cancellation process deserves to be looked at by the appropriate regulatory authority.
**For me, Emma is simply not reliable enough to manage my finances. I'll stick with Lloyds.**
**1/5 — Would not recommend.**
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Did you take money from me after leaving the app
Sad that a company exist solely to exploit people like me who needed help . I got the app to help but it charged me money for basically having access to all my data and continued to charge my small family despite having left . I can’t get help without re installing the app
Great✨✨🤩
Great managing app
Good app for tracking your spending
I’ve tried several budgeting platforms, and Emma is definitely one of the best I’ve used.
One improvement I’d really like to see is more visual reporting around monthly spending trends. For example, it would be useful to have graphs that compare my spending in the current month against previous months, both for overall spending and individual budget categories.
Monzo’s budget tracker does this particularly well, as it makes it easy to see how your current spending compares with previous months at a glance.
Adding similar month-to-month spending comparisons would make it much easier to identify changes in spending habits and see whether you’re improving against your budget over time.
One improvement I’d really like to see is more visual reporting around monthly spending trends. For example, it would be useful to have graphs that compare my spending in the current month against previous months, both for overall spending and individual budget categories.
Monzo’s budget tracker does this particularly well, as it makes it easy to see how your current spending compares with previous months at a glance.
Adding similar month-to-month spending comparisons would make it much easier to identify changes in spending habits and see whether you’re improving against your budget over time.
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Awful
Will not let me cancel charging my each month
Didn’t offer what I thought
The app unfortunately didn’t offer what I was expecting. And felt basic. I ended my free subscription and still have been charged £80 odd pound….
Pointless if you're on a budget
I can't afford any more subscriptions, and to be able to fully understand my finances and get help I have to pay... hmm seems like a GREAT app.....
Great app
Great way to track your budgets for every different part of your life, also amazing at catching useless subscriptions!!
CHARGED FOR YEARLY SUBSCRIBTION £83!
I was charged for a yearly subscription after forgetting to cancel the trial. And I can’t seem to get in touch with an actual person to get this issue resolved.
Scammers
Took money for a free trail
Easy to use
Convenient to help report rent and build up credit score.
Great for spending tracking
Very good app I used to sync my cards and track spending!
