Emma App
Emma is a London-based budgeting and money management app. It links current accounts, cards and investment holdings in a single dashboard, then helps you see where your money goes. Bill and subscription tracking is a central feature, along with investing tools. It suits people who juggle several accounts, or anyone who suspects forgotten subscriptions are quietly draining their balance each month.
About Emma App
What the app does
Once accounts are linked, Emma tracks everyday spending and sorts transactions into categories. You can set budgets and savings goals, keep an eye on recurring payments and spot subscriptions you no longer use. Analytics show spending patterns over time, and a net worth view adds up everything you hold. A rent reporting feature can help build your credit file.
Investing and plans
For longer-term money, Emma offers a general investment account, an ISA, funds and crypto. The app comes in three tiers. Basic covers linking accounts, budgeting and subscription tracking. Plus adds bill reminders, a view of money left to spend and cashback from partner brands. Pro brings custom categories, offline accounts and more advanced budgeting tools.
Regulation and payment
Emma Technologies Ltd works under RiskSave Technologies Ltd as its appointed representative, and RiskSave is authorised and regulated by the FCA. Payment services come from The Currency Cloud Limited, also FCA authorised. Paid plans can be settled by Visa, Mastercard or Direct Debit. The app is downloaded from the main app stores, so there is nothing to deliver.
Emma App quick facts
| Delivery | As an online course provider, Lead Academy offers instant digital access to course materials upon successful enrolment and payment. There are no physical deliveries involved. |
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| Returns | For digital products like online courses, returns and refunds are typically subject to specific terms and conditions outlined at the point of purchase or enrolment. Please refer to Lead Academy's official website for their detailed refund policy. |
| Payment methods | Visa, Mastercard, Direct Debit |
| Loyalty scheme | Emma App Cashback Deals |
| Headquarters | London, UK |
| Stores | 0 |
Emma App contact
- Website
- emma-app.com
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Emma App FAQs
Is the Emma app regulated?
Yes. The Financial Conduct Authority oversees RiskSave Technologies Ltd, and Emma Technologies Ltd operates as its appointed representative. Payments run through The Currency Cloud Limited.
What is the difference between Emma Plus and Emma Pro?
Plus adds bill reminders, cashback from partner brands and a money-left view. Pro goes further with custom categories, offline accounts and advanced budgeting.
Can I invest through Emma?
Yes. Emma supports a general investment account, an ISA, funds and crypto, so savings and spending can sit side by side in one app.
How do I pay for an Emma subscription?
Paid plans can be paid for by Visa or Mastercard, or set up by Direct Debit. The Basic tier covers the core budgeting tools.