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 supports connections with Coinbase, Kraken, Binance, Bitfinex, Bitstamp, Bittrex and individual Bitcoin/Ethereum addresses.


● 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.


Upgrade to Emma Pro for premium features, including custom categories and unlimited budgeting, so you can track your finances like a ninja; Rename Transactions to edit how your transactions should look like; Exporting of Data to understand your finances on excel; Manual Accounts to manage your cash expenses and any other accounts you might have; and the Legendary Pro Icon, because you are a Pro.


If you choose to purchase Emma Pro, payment will be charged to your iTunes account, and your account will be charged for renewal within 24-hours prior to the end of the current period. Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase. Current Emma Pro subscription price starts at £4.99 GBP/month, and one-month, 6-month and 12-month packages are available. Prices are in UK sterling, may vary in countries other than the UK and are subject to change without notice.
No cancellation of the current subscription is allowed during the active subscription period. If you don’t choose to purchase Emma Pro, you can simply continue using Emma for free.

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.

Terms and Conditions: https://emma-app.com/terms
Privacy Policy: https://emma-app.com/privacy

What’s New

Version 1.6.5

This is a quick bug fix with some performance improvements. :)

Ratings and Reviews

4.6 out of 5
655 Ratings
655 Ratings
Richyread ,

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.

Cjgunn ,

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!

Mikeymikeholden ,

Absolutely superb!

This app is absolutely incredible. It’s simple to use, beautifully designed and has loads of premium features. It’s also quite incredible this app is free. I have download a whole host of financial budgeting apps from the App Store and this is by far the best. I love how simple it is to use and that you get the same premium features as you do with the subscription based apps. I also love how my monthly budgets and spending statistics are based on my pay day and not the calendar month; none of the other apps seem to do this. It’s strange this amazing app hasn’t had more exposure as it’s far superior to what else is out there!

Developer Response ,

Thank you so much, this review is great! :D


Emma Technologies LTD.
49.3 MB
Requires iOS 9.2 or later. Compatible with iPhone.
Age Rating
Rated 4+
© 2017 Emma Technologies LTD.
In-App Purchases
  1. Monthly Pro Subscription £4.99
  2. Yearly Pro Subscription £41.99
  3. Six Months Pro Subscription £23.99


  • Family Sharing

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

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