iPhone Screenshots


Recommended by Forbes, Financial Times, POLITICO, The Sunday Times and CITY A.M., Emma is your personal financial advocate.

She helps you avoid overdrafts, cancel wasteful subscriptions, track debt and save money. Our data shows she can save up to £600 every year! Emma uses state of the art technology to analyse your personal finances and give you the power to make smarter decisions with your money.


● All your finances in one place.
● Avoid overdrafts fees.
● Find and cancel wasteful subscriptions.
● Set budgets and track paydays.
● Help you payoff debt.
● Save money every month.


● Emma is secured using SSL 256-bit encryption—the same security protocol that banks use - to ensure that your sensitive personal information is fully encrypted and securely stored.
● The app uses TouchID fingerprint authentication for added privacy and security.
● Emma does not store your online banking credentials.


We believe anyone deserves a financial advocate. Someone who watches our back no matter who we are and where we come from. Emma doesn’t serve the interests of anyone. We think we can provide a great experience, which relies on a basic principle, caring about our customers’ financial well being. This is who we are and what we stand for.

Emma Technologies LTD is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 for the provision of payment services. Reference no. 794952

We are also registered with the Information Commissioner's Office in compliance with the Data Protection Act 1998. Data Protection Registration Number: ZA241546.

Company Registration Number: 10578464.

What's New

Version 1.4.4

We have corrected some bugs and included a few hidden features, coming this week. ;)

Thanks for reporting wrong merchants!

Ratings and Reviews

4.6 out of 5

374 Ratings

374 Ratings

Seamless API access


Connected to my Monzo account using the recently released API feature - seamless connection WITHOUT SHARING BANKING CREDENTIALS! and updates are accurate, speedy and so far trouble free which is brill 😊

There’s a few things I’d like to see tweaked a little (e.g the Analytics seem to be presented back to front) but considering this is a very new app it is already quite polished and appears to have an eager support team to keep improving it.

The API integration alone is so simple and effortless (from an end user & developer perspective) it takes the pain and worry of sharing your credentials and also for the developers in saving & securing them (or trusting a 3rd party to do it) This alone is worth the 5 stars and allows you the user to simply focus on getting the best (or worst😲💰) out of the reports and filters to empower you to improve your own finances.

Secure app (backed by FCA , only one)


If you’re worried about your details then don’t. This is the first and only FCA approved budgeting app presently which works with the Open Banking API’s , this doesn’t send your secure details over and over again.

Yes there’s room for improvement , e.g choosing when the budgets reset and custom tags. However their support is fully aware of these requests and these are currently in progress. If you have any ideas open a support box and the main guy himself will likely chat to you! That’s how good it is!

Anyway, the interface is incredible, so smooth and slick. Considering how new this app is, it’s really good for managing your banking. Give it a try! I’ve been a holder of MoneyDashboard for ages and finally made the jump to this!

Really good app with a lot more potential


I’ve been using the app for a few days and love it. It’s definitely the best finance app out there (and I’ve tried 90% of them). Just download it. It’s worth it.

The only issue I have with it is that my credit card (which is with same bank as current account) does not show up when importing information, so I cannot see account with that.

One of the features I love is the ability to register an overdraft on the account, but the only thing is it still shows my combined balance and overdraft as one figure, so kind of defeats the purpose. If it could just show balance without overdraft that would be amazing if possible?

Apart from that the app is brilliant and I find myself checking for new features all the time as it is constantly updated. Just try it. You won’t regret it!

After writing this they reached out and fixed majority of problems so just a case of a couple of minor things they are already working on!

Brilliant app 5**

Developer Response


can you please reach out regarding the credit card? We are more than happy to figure this out. :)

If you set your overdraft in Accounts, this should be removed. The functionality is implemented, if this is not working for you, please contact us. We offer 24/7 live support via the app.


Emma Technologies LTD.
35.6 MB
Requires iOS 9.2 or later. Compatible with iPhone.
Age Rating
Rated 4+
© 2017 Emma Technologies LTD.


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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