Take control of your money

Download Emma to build your credit, save more and spend less with the all-in-one financial membership.

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Emma app home screen showing credit score, savings, and spending insights
Emma budgeting dashboard displaying spend tracking per monthEmma app home screen showing round ups featureEmma app home screen showing credit score reporting
Budgeting

Track your finances & budget

Powerful tools to analyse your bank accounts and cut your spending, effortlessly.
Learn more
Emma budgeting dashboard displaying spending categories and limits
Save

Organise your money

Boost your savings and set yourself a goal to stay on track.
Learn more
Emma savings goal tracker showing progress towards a savings target
Pay

Pay anyone,
instantly

Send and request money by sending payment links or flashing QR codes.
Send and request money by sending payment links
Learn more
Emma app interface for sending payments using QR code or payment link
Invest

Investing for everyone

Invest as little as £1 in the companies you love. Capital at risk, other charges apply.
Investing as little as £1 in chosen companies
Learn more
Emma app showing investment portfolio with company shares and performance chart
Rent reporting

Turn rent into a credit boost

Report your rent payments to Equifax, Experian, and TransUnion with Emma, and improve your credit score effortlessly.
Improve your credit score
Learn more
Emma app confirming successful rent reporting to Equifax, Experian, and TransUnion
Budgeting

Track your finances & budget

Powerful tools to analyse your bank accounts and cut your spending, effortlessly.
Learn more
Save

Track your finances & budget

Powerful tools to analyse your bank accounts and cut your spending, effortlessly.
Learn more
Cash Savings in Emma App
Pay

Pay anyone,
instantly

Send and request money by sending payment links or flashing QR codes.
Learn more
Send and request money by sending payment links
Invest

Investing 
for Everyone

Invest as little as £1 in the companies you love. Capital at risk, other charges apply.
Learn more
Investment
Invest

Investing 
for Everyone

Invest as little as £1 in the companies you love. Capital at risk, other charges apply.
Learn more
Improve your credit score
Emma app security screen with FCA regulation and open banking data controls

Security & support you can trust

Download the app
Your money is protected
Emma is FCA-regulated and powered by open banking with rigorously tested security. You control data access, can revoke consent anytime, and never need to share sensitive security details.
Data privacy
Your privacy is protected by data laws, ensuring only the minimum data necessary is shared through a secure digital process. Emma will never share your information without your consent.
Tech that keeps you safe
With 256-bit TLS encryption and biometric login, your data stays secure. Authenticate easily using a password, PIN, fingerprint or face ID along with a mobile code or card reader.
Download the app
2m+
verified users
10bn+
analysed transactions
We are on a mission to empower millions of people to live a better and more fulfilling financial life.
Download the app
7-day free trial, cancel anytime
Get more from your finances with our paid plans
Emma Plus, Pro and Ultimate come with a plethora of benefits that will help you manage your finances.
Free
Connect all your accounts in one place, budget, track wasteful subscriptions and get more from your everyday bank account.
Plus
Get exclusive cashback deals, set bill reminders and always know how much money you have left at the end of the month.
Pro
Budget like a pro with custom categories and offline accounts. Set smart rules and accurately track your net worth over time.
Ultimate
Connect business accounts and use Spaces to manage your personal, business and joint accounts.
Compare plans
See what others say
I've been using Emma for years
I've been using Emma for years now and take truly transformed show I managed my money. The apps really simple to use and the recent updates have further improved the experience, offering even more features that help to organise my finances in to one place. The subscription model might not be for everyone, I find it reasonable for the xtra capabilities it unlocks. Emma continues to be a key part of my financial journey and I would recommend it to others.
Daniel Jackson
Nov 14, 2024
Quick, secure and peace of mind
I really like that I can search through all transactions across all my bank accounts and credit cards. I also get to see my overall financial position quickly and accurately. The Emma support team are not usually needed but on the occasions where either I've messed up or think I've found a bug, they are really helpful and pleasant.
Stuart
2 Aug 2024
I abouslty love the Emma app
I abouslty love the Emma app let's me keep track of my budget, reminds me days before that a upcoming subscription or a bill needs paying on that day it's a great app to use especially if you don't want to go through all the hassle to check through your online banking or app the Emma app makes it easier to find everything you need all in one place.
Lewis Richmond
Oct 7, 2024
Best of the brunch
I've used Money Hub and Money Dashboard each for over a year but recently decided to try Emma as both those platforms lacked in areas (reporting, budgeting and generally weak user experience and user interface). Wish I'd tried Emma before the previous two as it's miles ahead in terms of reporting, budgeting, UI and support (shoutout to Izzie). I'll be seeing my trial out and going for an annual pro subscription as it's clear you get what you pay for! Only suggestion for improvement would be support for St. James Place (SJP) pension and ISA integration.
Kevin
7 Nov 2024
I've been using Emma Pro for years
I’ve been an Emma Pro user for years. It’s very well built and gives me all the core functionality I need. I’d love an option in Pro to swap the Save/Invest/Borrow tabs at the bottom, with Transactions/Analytics - for those who just want a great PFM app and manage their financial instruments themselves. Other than that it’s a great app I use all the time.
William
1 Dec 2024
Got standard budgeting app
I tried so many budgeting apps before I found Emma more than 5 years ago, but I haven’t looked back since. It has integrations with almost every bank you could need, and they keep adding useful features regularly. The budgeting and analysis tools are excellent, it’s so useful to be able to analyse finances for entire years and see where your money is going. Honestly it’s made a huge difference to my financial life and I recommend it to anyone who will listen.
Beynon
Dec 1, 2024
Best family budget app
I’ve tried many different apps for family budget and Emma is clearly the most convenient to use and connect pretty much any bank on the street which was an essential requirement for me, plus you can still do offline accounts. Definitely 5 star!
Vasiliy
Dec 8, 2024
Emma does exactly what I need it to
Emma does exactly what I need it to, and it's by far the best aggregator I've used. I use it for all my finances, including budgeting on a monthly basis. It shows me all my committed spending and tracks where I am for the month in terms of discretionary spending. Premium is totally worth it, allowing me to add in accounts that don't yet have an open banking API, and custom categories. Support is fantastic, the team at Emma are friendly and proactive. Couldn't recommend it more.
Google Play user
Dec 24, 2019
I've been using Emma for years
I've been using Emma for years now and take truly transformed show I managed my money. The apps really simple to use and the recent updates have further improved the experience, offering even more features that help to organise my finances in to one place. The subscription model might not be for everyone, I find it reasonable for the xtra capabilities it unlocks. Emma continues to be a key part of my financial journey and I would recommend it to others.
Daniel Jackson
Nov 14, 2024
Quick, secure and peace of mind
I really like that I can search through all transactions across all my bank accounts and credit cards. I also get to see my overall financial position quickly and accurately. The Emma support team are not usually needed but on the occasions where either I've messed up or think I've found a bug, they are really helpful and pleasant.
Stuart
2 Aug 2024
I abouslty love the Emma app
I abouslty love the Emma app let's me keep track of my budget, reminds me days before that a upcoming subscription or a bill needs paying on that day it's a great app to use especially if you don't want to go through all the hassle to check through your online banking or app the Emma app makes it easier to find everything you need all in one place.
Lewis Richmond
Oct 7, 2024
Best of the brunch
I've used Money Hub and Money Dashboard each for over a year but recently decided to try Emma as both those platforms lacked in areas (reporting, budgeting and generally weak user experience and user interface). Wish I'd tried Emma before the previous two as it's miles ahead in terms of reporting, budgeting, UI and support (shoutout to Izzie). I'll be seeing my trial out and going for an annual pro subscription as it's clear you get what you pay for! Only suggestion for improvement would be support for St. James Place (SJP) pension and ISA integration.
Kevin
7 Nov 2024
I've been using Emma Pro for years
I’ve been an Emma Pro user for years. It’s very well built and gives me all the core functionality I need. I’d love an option in Pro to swap the Save/Invest/Borrow tabs at the bottom, with Transactions/Analytics - for those who just want a great PFM app and manage their financial instruments themselves. Other than that it’s a great app I use all the time.
William
1 Dec 2024
1 Dec 2024
Got standard budgeting app
I tried so many budgeting apps before I found Emma more than 5 years ago, but I haven’t looked back since. It has integrations with almost every bank you could need, and they keep adding useful features regularly. The budgeting and analysis tools are excellent, it’s so useful to be able to analyse finances for entire years and see where your money is going. Honestly it’s made a huge difference to my financial life and I recommend it to anyone who will listen.
Beynon
Dec 1, 2024
Best family budget app
I’ve tried many different apps for family budget and Emma is clearly the most convenient to use and connect pretty much any bank on the street which was an essential requirement for me, plus you can still do offline accounts. Definitely 5 star!
Vasiliy
Dec 8, 2024
Emma does exactly what I need it to
Emma does exactly what I need it to, and it's by far the best aggregator I've used. I use it for all my finances, including budgeting on a monthly basis. It shows me all my committed spending and tracks where I am for the month in terms of discretionary spending. Premium is totally worth it, allowing me to add in accounts that don't yet have an open banking API, and custom categories. Support is fantastic, the team at Emma are friendly and proactive. Couldn't recommend it more.
Google Play user
Dec 24, 2019
Frequently asked questions
Is Emma App free?
Yes! Emma is free to use 😁 You'll only be charged if you subscribe to Emma Ultimate, Emma Pro or Emma Plus - you are not subscribed to Emma Ultimate, Pro or Plus automatically.
How does Emma App make money?
Emma offers upgrades called Emma Ultimate, Pro or Plus, which you can purchase inside of the app. We also make money from users who Invest or Save with Emma and affiliate partners.

If you are interested in learning more about Emma Ultimate, Pro or Plus, please visit the link below:
‍
‍What is Emma Ultimate? 👑
‍What is Emma Pro? 🚀
‍What is Emma Plus? ➕
Can I still use the Emma App if I don't have a bank account?
In order to use Emma, you will need to connect a current, savings or credit card account first. If your bank is not supported by Emma, you will not be able to use the app.

If you would like to know the banks we currently support in the UK, please visit:
‍What providers does Emma App support?

You can also follow us on X, Instagram or Facebook for updates!
How is my money protected / safeguarded?
The Emma app can help across different areas of your personal finances. You can use Emma to set more money aside, budget your spending and savings or manage your investments. Each of these offerings represents different financial products, and each of them comes with specific regulations designed to help if something goes wrong.

Learn more about how safe Emma is and how your money is protected
What platforms and devices do you support?
You can use Emma on:
- Android
- iPhone
- iPad
- Web - this is currently in Beta and only available to premium customers
Learn more
Join 2 million happy customers
We are on a mission to improve everyone's financial wellbeing.
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App Store

© 2025 Emma Technologies Ltd. All Rights Reserved.

Emma is registered and incorporated in England and Wales.

Emma Technologies Ltd is an appointed representative of RiskSave Technologies Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 775330).

Payment services (Non MIFID or Deposit related products) for Emma Technologies Ltd are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). For more detail on how your money is protected please see here. You can also find Currency Cloud's Terms of Use here.

Emma Technologies is an Introducer Appointed Representative of Quint Group Limited and not a lender. Quint Group Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 669450). Monevo Limited is an Appointed Representative of TransUnion International UK Limited. TransUnion is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 737740). Emma Technologies introduces customers first to Quint Group Limited, as a licensed credit broker, who then refers on to Monevo Limited.

Emma is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 for the provision of payment services.

Financial Conduct Authority Reg Nr: 794952.
Company Registration Number: 10578464.
Data Protection Registration Number: ZA241546.

All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.

Resources: Cancel subscriptions, Cashback offers, Who charged me, Rent Reporting, Budgeting, Investment universe, Emma vs Moneyhub.

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Download Emma today and join the millions of people who live a better and more fulfilling financial life.

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