Emma App Free Trial: 30 Days of Any Premium Plan

Last updated: 6 October 2026

This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them. This page is information, not financial advice.

Get the 30-day Emma free trial

How to get the 30-day Emma app free trial

1. Open our invite link on your phone and download Emma from there. The longer trial only applies to a download through an invite link on mobile.
2. Create your account and connect a current account or credit card. PayPal and other digital wallets do not count.
3. Start a free trial on Plus, Pro or Ultimate. It runs for 30 days instead of 7.

You need to be a UK resident and new to Emma. A bank account that has already been connected to Emma, by you or anyone else, makes you ineligible. These conditions come from Emma's referral programme terms, last updated on 17 December 2025.

What the Emma app does

Emma connects to your bank accounts and credit cards with read-only Open Banking access. It sorts your transactions into categories, tracks your spending against budgets, and lists your recurring payments so you can spot subscriptions you forgot about. You can also set your budget month to run from payday rather than from the 1st.

The paid plans add cashback offers from partner brands, credit monitoring, rent reporting and transfers between your linked accounts. Emma says it has 3 million customers.

Emma plans and prices

• Basic: free, two bank logins, up to £500 of transfers a month
• Plus: £4.99 a month or £41.99 a year, four bank logins, up to £1,500 of transfers a month
• Pro: £9.99 a month or £83.99 a year, unlimited bank logins, up to £3,000 of transfers a month
• Ultimate: £14.99 a month or £124.99 a year, unlimited bank logins and transfers, and up to four extra members at £5.99 a month each

Paying yearly saves 30% against twelve monthly payments. Rent reporting sends your rent payments to TransUnion, Experian and Equifax, which can help build a credit file if you rent.

When the trial ends, Emma charges for the plan you chose unless you cancel first. So set a reminder for day 28 if you are only trying it out.

Try Emma premium free for 30 days

Is Emma safe?

Emma Technologies Ltd is registered with the FCA under the Payment Services Regulations 2017, FRN 794952. It is separately authorised under FRN 1042167 for investment services and consumer credit activities, including credit broking. As a credit broker, Emma does not lend money itself and may receive commission from lenders it introduces you to.

The bank connection is read-only, so Emma can see your transactions but cannot move money unless you make an Open Banking payment yourself. Emma also offers savings pots and investing. With investing, capital is at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results.

Who the Emma app suits

Emma suits people with accounts at more than one bank who want one view of their spending and bills. If you bank with one provider, its own app may already do most of this for free. Our Emma app review covers how the paid tiers compare in daily use, and the best free budgeting apps roundup lists the alternatives.

Frequently Asked Questions

How long is the Emma app free trial?

7 days as standard. Through an invite link, new UK users get 30 days on Plus, Pro or Ultimate.

Is the Emma app free?

Yes, the Basic plan is free and connects two bank logins. Cashback, credit monitoring and more bank connections need a paid plan.

How much does Emma Premium cost?

Plus is £4.99 a month, Pro £9.99 and Ultimate £14.99. Yearly plans cost £41.99, £83.99 and £124.99.

What happens when the Emma trial ends?

Emma charges for the plan you picked unless you cancel before the trial ends. You can move back to the free Basic plan.

Can I get the 30-day trial if I used Emma before?

No. The extended trial is for new users, and a bank account already connected to Emma makes you ineligible.

Is Emma regulated?

Yes. Emma Technologies Ltd is registered with the FCA for Open Banking (FRN 794952) and authorised for investment and consumer credit activities (FRN 1042167).

Official sources

• Compare Emma plans
• Emma referral programme terms
• Emma Technologies Ltd on the FCA Register

This page is information only and is not financial advice. CoolCuration is not a financial adviser and is not authorised by the FCA. Plans, prices and trial terms can change, so check emma-app.com before you sign up, and consider speaking to a qualified financial adviser about investing. This page contains referral links, which are paid links; if you sign up through one, I earn a referral bonus at no extra cost to you.

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