# Lloyds Mobile Banking vs Emma

The clearest difference is in-app purchases: Lloyds Mobile Banking at none against Emma's 10. Lloyds Mobile Banking also leads on ads (none vs shown) and review sentiment (61% vs 38%). Emma's advantage is update cadence (every 6 days vs fortnightly) and chart position (#196 vs unranked). On price, rating, device support and iOS requirement there is nothing between them.

Both are free to download. Emma sells 8 in-app purchases, starting at $4.99 per month. Lloyds Mobile Banking asks for nothing beyond the download.

Lloyds Mobile Banking holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: Lloyds Mobile Banking has 21K ratings behind it against 1.4K, so its average is the more settled of the two. Written reviews point the same way: 61% of Lloyds Mobile Banking's written reviews are positive against 38% of Emma's.

Lloyds Mobile Banking ships an update fortnightly, Emma every 6 days. The most recent releases landed on November 7, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | Lloyds Mobile Banking | Emma |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (21K ratings)](https://appshunter.io/ios/app/lloyds-mobile-banking/id469964520/reviews)** | [4.7 (1.4K ratings)](https://appshunter.io/ios/app/emma-budget-planner-tracker/id1270062373/reviews) |
| Number of ratings | **21K** | 1.4K |
| Positive reviews | **61.4% of reviews** | 38.3% of reviews |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Fortnightly | **Every 6 days** |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | — | **#196** |
| Size | 575 MB | 161 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Lloyds Banking Group](https://appshunter.io/developer/469964523) | [Emma Technologies LTD.](https://appshunter.io/developer/1202559061) |

## What reviewers say

### Lloyds Mobile Banking

[App page](https://appshunter.io/ios/app/lloyds-mobile-banking/id469964520)

Manage your finances with confidence, access banking services, and track spending in real-time. Apply for new accounts, block subscriptions, and get support anytime. Offers cashback and savings tools.

**Highlights:** Manage accounts and view transactions, Pay bills and transfer money, Apply for new bank accounts, Block and cancel subscriptions, Request and receive payments, Spending insights and budgeting tools, Earn cashback with Everyday Offers, Freeze and unfreeze cards

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Fast and efficient
- 🔒 Secure banking
- 💡 Convenient mobile banking
- 👍 Intuitive interface

**What reviewers complain about**

- 🐛 Crashes and stability issues
- 🔍 Cluttered and confusing interface
- 🔍 Outdated design
- 🔍 Limited functionality compared to competitors
- 🔍 Difficult to navigate

**Reported bugs**

- Authentication issues
- Inconsistent performance across devices
- Inability to update contact information
- Delayed transaction notifications

**Requested features**

- Dark mode option
- Ability to customize app layout
- Integration with password managers
- Enhanced transaction history and analytics
- Support for international accounts


### Emma

[App page](https://appshunter.io/ios/app/emma-budget-planner-tracker/id1270062373)

**Currently charting:** #196 Top Grossing · Finance (US App Store)

Consolidate all your financial accounts in one place to track spending, manage subscriptions, and set budgets. Receive weekly reports, daily balance notifications, and overdraft alerts. Offers bank-level security with SSL encryption and biometric authentication.

**Highlights:** Consolidate all accounts, Track subscriptions, Set budgets, Weekly spending reports, Overdraft alerts, Bank-level security

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases (8)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Emma Plus Monthly | $4.99 | per month |
| Emma Pro Monthly | $9.99 | per month |
| Monthly Pro Subscription | $9.99 | per month |
| Emma Pro | $9.99 | per month |
| Emma Ultimate | $14.99 | per month |
| Emma Plus Yearly | $41.99 | per year |
| Emma Pro | $83.99 | per year |
| Subscription | $83.99 | per year |

**What reviewers like**

- 👍 Helpful for budgeting and tracking spending
- 🚀 Efficient at categorizing transactions
- 💡 Useful for detecting subscriptions and recurring payments
- 👍 Intuitive and user-friendly interface
- 👍 Provides good financial insights and analytics

**What reviewers complain about**

- 🔒 Concerns about data privacy and security
- 💰 Expensive subscription model, features locked behind paywall
- 🐛 Syncing issues, transactions not always accurately categorized
- 🔍 Difficult to cancel subscription or delete account
- 📢 Aggressive upselling and notifications

**Reported bugs**

- App crashes or freezes frequently
- Transactions not syncing properly or showing incorrect balances
- Issues connecting to certain bank accounts
- Recurring payments not being tracked accurately

**Requested features**

- Add support for more banks and financial institutions
- Improve budgeting features with better categorization and goal-setting
- Provide more customization options for categories and reporting
- Integrate with investment accounts and track net worth
- Offer a more affordable pricing model or free tier with core features


## Frequently asked questions

### Is Lloyds Mobile Banking free?

Lloyds Mobile Banking is free to download, with no in-app purchases.

### Is Emma free?

Emma is free to download, with in-app purchases available.

### Which has better reviews, Lloyds Mobile Banking or Emma?

Lloyds Mobile Banking is rated higher. Lloyds Mobile Banking averages 4.9 out of 5 from 21K ratings, while Emma averages 4.7 from 1.4K ratings.

### Do Lloyds Mobile Banking or Emma have ads?

Emma shows ads; Lloyds Mobile Banking does not.

### Which is updated more often, Lloyds Mobile Banking or Emma?

Lloyds Mobile Banking ships an update fortnightly, and Emma every 6 days. Most recently, Lloyds Mobile Banking was updated on November 7, 2026 and Emma on November 6, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*