Emma Reviews 511

Really great app which is seriously helping me managing my money in retirement.

Slick UI, solid features including some auto transfer features to savings / investments. Nailed the categorisations when I first connected accounts which saved a lot of phaff.

Great App to help you track your spending.

I closed my Emma account because frankly Plum is better and although the account is deleted tha the direct debit has been cancelled with my bank £50 was still withdrawn by Emma and since I no longer have an account trying to get through to actually speak to a person about getting the money returned has been nothing short of absolute nonsense

Great app and problem I had sorted promptly

thank you for your help, quickly and efficiently

Thank you have big problems Emma I dont have options transfer investment For account

I got caught last year by their annual subscription fee after not being super impressed by the app but forgetting to cancel my free trial in time.

Emailed customer support to cancel and request a refund and stated explicitly that I didnt want to be locked into a yearly subscription for an app I wasnt planning to use. Izzie was reasonable and agreed to cancel and give a partial refund.

1 year later and I get charged ANOTHER EIGHTY QUID and when emailing Izzie back to ask wtf?, apparently the only way to actually cancel is to reinstall the app I havent used in a year, struggle my way to navigating to the right page then jump past pop up after pop up asking "Am I really really super duper sure I want to cancel?🥺" to still not be able to delete my account and only be moved to a (free *for now) "Basic plan".

Additionally, apparently because they didnt cancel the autorenewal as originally requested, it's too bad so sad I can't get a refund for the latest unconsented to charge.
Luckily my bank are aware and confused at what theyre playing at because honestly, what the heck?!

Absolutely livid.

Had issues to access an savings pot and withdraw funds and contact there customers service and they helped me out and give me some information regarding there timelines on payments and delays regarding the mass outage from the other day there. Highly recommend these guys for any financial services

I took out a free trial of the app, based upon the advertisement EXPLICITLY stating that it would send me a cancellation reminder two days before I was charged. I have complex mental health issues and would NOT have taken out the trial without that promise.
No such email arrived (I have searched my spam folder) and I have just been charged £83 for an annual subscription (I was also under the impression the subscription renewed monthly)
When I go to the help section, Emma claims it doesn’t “guarantee” a reminder email. This is fraudulent behaviour. Utterly unacceptable.

This app in an attempt to over simplify has done exactly the opposite. The interface is more like a child's saving app than a serious financial app.
After organising transactions into categories and tags within categories, I have spent the last 30 minutes trying to see spend in categories.
Time to forget about this I think.

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

Really great app also I get a top rate of interest on my money on deposit which More pays for the annual subscription

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

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

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.

They never replied on chat. Horrible customer services

Just took the money from my account

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

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.