{"id":144143,"date":"2018-10-30T16:40:58","date_gmt":"2018-10-30T16:40:58","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=144143"},"modified":"2026-02-20T06:09:58","modified_gmt":"2026-02-20T06:09:58","slug":"emma-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/budgeting\/emma-review","title":{"rendered":"Emma app review"},"content":{"rendered":"<p>We think Emma is good for connected accounts. At its heart, it\u2019s a budgeting and savings app which groups all your bank accounts in one place. It\u2019s more than this though. The app works like a personal financial adviser, letting you see how you\u2019re spending your money and flagging any wasteful payments. We\u2019ve analysed all the saving and budgeting features offered by Emma in this review.<\/p><style>\r\n.gx-badge .popover-content { line-height: 19.5px; }\r\n@media screen and (max-width: 600px) {\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n.uk-hero-rates .text-xxx-large { text-align: center; }\r\n.applylinks .luna-button--success { margin-top: 12px; }\r\n}\r\n<\/style>\r\n<article id=\"ukfeatureproduct\" class=\"luna-card luna-card--border uk-hero-rates\" style=\"max-width: 897px; margin: 0px auto 24px;\">\r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text has-padding-xsmall no-padding-bottom\">\r\n<span class=\"disclaimer_popup--text\">Promoted<\/span>\r\n<a class=\"disclaimer_popup disclaimer_title_empty\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\" aria-label=\"Learn more about what Promoted means on Finder\">\r\n<svg class=\"luna-icon luna-icon--small luna-icon--primary\">\r\n<use xlink:href=\"#info-circle\"><\/use>\r\n<\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<div class=\"luna-card__block no-padding-top\" style=\"border: 0px;\">\r\n<div class=\"u-grid u-grid--alignMiddle\">\r\n<div class=\"u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/emma-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2263065022-15e0-4e8d-96d1-8e182f3ab3e1%22%2C%22product_name%22%3A%22Emma%22%2C%22offer_id%22%3A%2224867%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFSA%22%2C%22post_id%22%3A%22144143%22%2C%22post_path%22%3A%22budgeting%252Femma-review%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5f0c388708992.png\" alt=\"Emma\" class=\"has-margin-bottom-xsmall has-padding-small no-padding-top has-margin-top-small\" style=\"width: 168px; min-width: 120px; max-height: 140px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5f0c388708992.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5f0c388708992.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5f0c388708992.png?fit=504 504w\" sizes=\"(max-width: 504px) 100vw, 504px\" loading=\"lazy\"><\/a><\/div>\r\n<div class=\"u-grid__col u-1\/2@s\" style=\"margin-top: -5px;\">\r\n<div class=\"has-margin-bottom-xsmall text-xxx-large weight-normal\">Open a <strong>free<\/strong> money management account<\/div>\r\n\r\n\r\n<ul class=\"list-1 no-margin-left\">\r\n\r\n\r\n\r\n<li>Track &amp; cancel wasteful subscriptions<\/li>\r\n\r\n<li>See all your accounts in one place<\/li>\r\n\r\n<li>Sync your budgets to payday<\/li>\r\n\r\n<li>Account Protection Secure and Encrypted<\/li>\r\n\r\n\r\n\r\n<\/ul>\r\n\r\n\r\n<\/div>\r\n<div class=\"applylinks u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/emma-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2263065022-15e0-4e8d-96d1-8e182f3ab3e1%22%2C%22product_name%22%3A%22Emma%22%2C%22offer_id%22%3A%2224867%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFSA%22%2C%22post_id%22%3A%22144143%22%2C%22post_path%22%3A%22budgeting%252Femma-review%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\" class=\"luna-button luna-button--large luna-button--success luna-button\">Go to site<\/a>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<\/article><div itemscope=\"\" itemtype=\"https:\/\/schema.org\/FAQPage\"><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\" id=\"whatis\">What is Emma?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Emma is a money management app based in London. The app uses <a href=\"https:\/\/www.finder.com\/uk\/digital-banking\/what-is-open-banking\">Open Banking<\/a> to connect to your bank accounts and credit cards. With all your financial information in one place, you can track all your transactions in real time.<\/p><p>It goes further than giving you a simplified bank statement. It helps you find wasteful subscriptions, set aside money into different pots, and gives you keen insights into your spending.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">How does Emma work?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Emma aggregates all your bank accounts and credit cards in one app. Here are the other budgeting and savings features it offers:<\/p><ul><li><strong>End to wasteful subscriptions.<\/strong> It separates repeated payments (such as subscriptions and bills) from daily spending. This lets you easily cancel subscriptions you don\u2019t use.<\/li><li><strong>Spending categories.<\/strong> It categorises your spending by categories and vendor, so you can see exactly where you\u2019re spending \u2013 and what on. If you\u2019re spending too much at Costa, or on coffees specifically, you\u2019ll know.<\/li><li><strong>Set budgets.<\/strong> Tell the app how much you want to budget by category. The app sends you notifications if you go over.<\/li><li><strong>Savings advice.<\/strong> Using smart tech, it tells you an affordable amount to put aside for saving at the end of each month.<\/li><li><strong>Emma Pots.<\/strong> You can also create different savings pots to set aside money for different goals. Choose from an easy access pot, a 45-day notice pot and an instant access pot. Interest is paid on the easy access and notice pots.<\/li><li><strong>Emma Invest.<\/strong> You can choose from various investment options too and invest from as little as \u00a31.<\/li><li><strong>Cryptocurrency integration. <\/strong>Easily track your cryptocurrency balances. Supported cryptocurrency exchanges include <a href=\"https:\/\/www.finder.com\/uk\/cryptocurrency\/exchanges\/coinbase-exchange-review\">Coinbase<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/bittrex-exchange-review\">Bittrex<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/cryptocurrency\/exchanges\/bitstamp-exchange-review\">Bitstamp<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/cryptocurrency\/exchanges\/kraken-exchange-review\">Kraken<\/a> and individual <a href=\"https:\/\/www.finder.com\/uk\/bitcoin\">Bitcoin<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/ethereum\">Ethereum<\/a> addresses.<\/li><\/ul><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">How safe is Emma?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>You might have reservations about providing a third-party app your bank credentials. However, Emma\u2019s access is read-only so it can\u2019t touch your money. In addition, it is authorised and regulated by the Financial Conduct Authority. <\/p><p>If you choose to transfer any money into your Emma Wallet, it will land here as e-money. Your Emma Wallet is operated by Emma\u2019s e-money institution provider which means it must be held in a segregated account to keep your cash safe. However, any money you hold in savings accounts or savings pots with Emma is held with a UK bank and is covered up to \u00a3120,000 per person under the Financial Services Compensation Scheme. <\/p><p>In terms of app security, Emma uses several of the same security measures, including end-to-end-256-bit TLS encryption. This is used by all major banks.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Which banks and credit cards can you link Emma to?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Emmaappimage.png\" alt=\"Emma App Feed\" class=\"alignright wp-image-144254\" width=\"236\" height=\"484\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Emmaappimage.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Emmaappimage.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Emmaappimage.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Emmaappimage.png?fit=708 708w\" sizes=\"(max-width: 708px) 100vw, 708px\" loading=\"lazy\"><\/p><ul><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\">American Express<\/a> (card)<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/aib-current-accounts-review\">Allied Irish Bank<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/aqua\">Aqua<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/bank-of-ireland-business-banking\">Bank of Ireland<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/bank-of-scotland-savings-accounts\">Bank of Scotland<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/barclays-savings-accounts\">Barclays<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/barclaycard\">Barclaycard<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/capital-one\">Capital One<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/cater-allen-private-bank-current-accounts-review\">Cater Allen<\/a> (coming soon)<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/chase-digital-bank-review\">Chase<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/coutts-and-co\">Coutts<\/a><\/li><li>Cumberland Building Society<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/danske-bank-current-accounts\">Dankse Bank<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/first-direct-savings-accounts\">First Direct<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\/newday-fluid-mastercard\">Fluid<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/hsbc-savings-accounts\">HSBC<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/halifax-savings-accounts\">Halifax<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/lloyds-savings-accounts\">Lloyds<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\">M&amp;S Bank<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/mbna\">MBNA<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/mettle-app-review\">Mettle<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\">Monzo<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/nationwide-current-accounts\">Nationwide<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/natwest-savings-accounts\">NatWest<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/paypal-credit-review\">PayPal<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\">Revolut<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/rbs-savings-accounts\">RBS<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/sainsburys-bank\">Sainsbury\u2019s Bank<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/santander-savings-accounts\">Santander<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/smile-app-review\">Smile Bank<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\">Starling Bank<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/tsb\">TSB<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/tesco-bank\">Tesco Bank<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/coop-current-accounts\">The Co-operative Bank<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/ulster-bank\">Ulster Bank<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/vanquis\">Vanquis<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/virgin-money-m-plus-current-account-review\">Virgin Money<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/wise\">Wise<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/yorkshire-building-society-savings-accounts\">Yorkshire Building Society<\/a><\/li><\/ul><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">How does Emma make money?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Emma currently makes money in two ways:<\/p><ul><li><strong>Offers premium accounts.<\/strong> Emma Plus is a premium version of the Emma app \u2013 if you prefer a more customisable experience. For a monthly fee, you can earn cashback on your purchases at selected retailers, take advantage of rent reporting, where your rent payments are reported to the credit reference agency Experian to improve your credit score, and set up fraud detection features to check whether your personal details have been part of a known data breach. Emma also offers Pro and Ultimate account plans that come gift wrapped in extra perks.<\/li><li><strong>Savings and investments.<\/strong> Emma also makes money from users who invest or save with Emma or its affiliate partners.<\/li><\/ul><\/div><\/div><\/div><\/div><h3>What does the Emma app look like?<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma.png\" alt=\"Emma app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma1.png\" alt=\"Emma app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma1.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma-3.png\" alt=\"Emma app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma-3.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma-3.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma-3.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma-3.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Emma-3.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><\/div><h3>Emma account information<\/h3><div data-category=\"\" data-niche=\"UKFSA\" data-fieldset=\"budgetingapps\" class=\"UKFSA budgetingapps \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th><\/th><td class=\"i_infobox_data product_infobox_data\"><a href=\"https:\/\/www.finder.com\/uk\/budgeting\/emma-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5f0c388728b76.png\" alt=\"Emma logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5f0c388728b76.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5f0c388728b76.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5f0c388728b76.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5f0c388728b76.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5f0c388728b76.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/td><\/tr><tr><th>Product Name<\/th><td class=\"i_infobox_data product_infobox_data\">Emma<\/td><\/tr><tr><th>Cancel subscription<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Cost<\/th><td class=\"i_infobox_data product_infobox_data\">Free (paid-for plans available)<\/td><\/tr><tr><th>Spending categorisation<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Spending analysis<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Budgeting tool<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Automatic switching service<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Savings pots<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Account types<\/th><td class=\"i_infobox_data product_infobox_data\">Current accounts, Savings accounts, Credit cards, Investments, Loans, Cryptocurrency<\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><h3>Pros and cons of Emma<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Grouping all your accounts in one easy app will make budgeting easier<\/li>\n                                    <li>Stylish app with a number of budgeting features<\/li>\n                                    <li>Monthly savings prompt could help you save an affordable amount each month<\/li>\n                                    <li>Can integrate with all the big banks and several of the rising digital banks like Monzo and Starling<\/li>\n                                    <li>Track your cryptocurrency balances alongside your more conventional bank accounts<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>No week-by-week or month-by-month comparison feature. Makes it harder to track changes to spending habits<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                                                                                        \n            <h3 id=\"awardspanel\">Emma and Finder Awards<\/h3>\n        <div class=\"u-grid u-grid--alignTop has-margin-top has-margin-bottom\">\n            <div class=\"u-grid__col u-1\/4@s u-1\/5@l\" style=\"max-width: 200px;\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png\" alt=\"Finder Awards logo\" style=\"max-width: 100%; height: auto; display: block;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n            <div class=\"u-grid__col u-3\/4@s u-4\/5@l\">\n                                    <p>Our <a href=\"https:\/\/www.finder.com\/uk\/finderawards\">Finder Awards<\/a> celebrate brands that truly stand out in their field. Emma was named our 2025 Budgeting App Provider of the Year Award winner!<\/p>\n                            <\/div>\n        <\/div>\n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Customer service information for Emma<\/h3><table class=\"i_infobox product_infobox has-margin-bottom\">\n<tbody>\n<tr>\n<th>Email support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Telephone support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>In-app or live chat<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Contact form<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Branch support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<\/tbody>\n<\/table><h3 id=\"the_verdict\">Our verdict<\/h3><p>The Emma app looks good, is slick and easy to use and offers some really helpful features \u2013 in particular, its ability to track your subscriptions and keep track of your crypto assets as well as of your regular bank accounts.<\/p><p>On the downside, it could do with some more visuals and graphs, and some of the features that allow greater flexibility are only available to premium users, which isn\u2019t ideal. Some of Emma\u2019s competitors are better from this point of view.<\/p><p>Get started by <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/emma-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22visiting%2BEmma%2527s%2Bwebsite%22%2C%22site%22%3A%22UKFSA%22%2C%22offer_id%22%3A%2224867%22%2C%22niche_code%22%3A%22UKFSA%22%2C%22product_id%22%3A%2263065022-15e0-4e8d-96d1-8e182f3ab3e1%22%2C%22product_name%22%3A%22Emma%22%2C%22provider_id%22%3A%227b3f28ce-1543-4a25-9668-81129fe39600%22%2C%22provider_name%22%3A%22Emma%22%2C%22post_id%22%3A%22144143%22%2C%22post_path%22%3A%22budgeting%252Femma-review%22%2C%22post_country%22%3A%22uk%22%7D\">visiting Emma's website<\/a> and download the app. If you have read this review and the app is not for you, you can also <a href=\"https:\/\/www.finder.com\/uk\/budgeting\/best-budgeting-app\">discover more budgeting apps<\/a>.<\/p><div class=\"importantText importantText__callout\">\n  <p>Still, Emma is a really solid budgeting app. It\u2019s a really clever tool for organising your money, allowing you to manage it more efficiently and to ultimately save more.<\/p>\n<\/div>\n<h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How does Emma make money?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Emma makes money in two main ways. Firstly, it offers premium subscription tiers, which charge a monthly fee. Secondly, Emma makes money from those who invest or save with it and its affiliate partners.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How much is Emma?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This depends on the plan you choose. There\u2019s a free plan, but Plus, Pro and Ultimate charge monthly fees.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What banks can you link your Emma app with?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Emma currently supports NatWest, Halifax, Lloyds, Nationwide, Barclays, HSBC, First Direct, Santander, TSB, RBS, the Co-operative Bank, Starling Bank, Monzo, Revolut, Chase, Metro Bank, Bank of Scotland. You can also link it with your American Express, MBNA or Barclaycard cards.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">What crypto exchanges can I link my Emma account to?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Coinbase, Bitstamp, Kraken, Binance, Bitfinex, Bittrex. <strong>Warning:<\/strong> Binance and Bitfinex both offer cryptocurrency derivatives, which the regulator <a href=\"https:\/\/www.finder.com\/uk\/news\/consumers-set-to-save-53m-after-regulator-tightens-crypto-rules\">banned from sale<\/a> to UK consumers in January 2021.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">How secure is Emma?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Very! Any information that you send to Emma is securely encrypted using the same security measures as the major banks. Emma is also only granted read-only access to your financial information, and is regulated by the FCA.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">How do I delete my Emma account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>To delete your account with Emma, go to the \u2018Feed\u2019 area in the dashboard on the app, select your profile in the top left and tap on \u2018Account\u2019. Then tap on \u2018Delete account\u2019.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Want to take better control of your finances? We explore the budgeting and saving features offered by the Emma money management app. <\/p>\n","protected":false},"author":645,"featured_media":144196,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[120727],"tags":[],"asset_tag":[],"class_list":["post-144143","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Emma app review - features, fees and benefits | Finder UK<\/title>\n<meta name=\"description\" content=\"Want to take better control of your finances? 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