{ "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-14", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "tool": { "slug": "emma", "name": "Emma", "vendor": "Emma Technologies Ltd", "vendorUrl": "https://emma-app.com", "kind": "platform", "category": "personal-finance", "summary": "Emma is a budgeting app for iOS, Android and the web, mainly for UK users. It connects bank accounts through Open Banking to track subscriptions, bills and spending and set budgets, with savings, investing and credit scores.", "url": "https://www.anchorterminal.com/tools/emma", "markdownUrl": "https://www.anchorterminal.com/tools/emma.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/emma.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/emma.json", "license": "Closed service under Emma's terms and conditions (Emma Technologies Ltd)", "transports": [], "packages": [], "auth": "mixed", "authNotes": "An Emma account in the app or web app. UK bank accounts connect through Open Banking with read-only access; North American accounts through Emma's \"Trusted Partners\" (https://emma-app.com/terms).", "pricing": "freemium", "pricingNotes": "Basic is free. Plus £4.99 a month or £41.99 a year, Pro £9.99 a month or £83.99 a year, Ultimate £14.99 a month or £124.99 a year, with a 7-day free trial (https://emma-app.com/plans/compare-emma-plans). Plans differ in bank logins (2 on Basic, 4 on Plus, unlimited above), transfer limits and credit-report detail.", "priceSummary": "Freemium", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 on emma-app.com, its plans page, terms or llms.txt (checked 2026-10-14).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "llmsTxt": "https://emma-app.com/llms.txt", "capabilities": [ "finance.subscriptions", "finance.budgets", "finance.bills", "finance.transactions" ], "tags": [ "not-for-agents", "hosted", "official", "closed-source", "freemium", "free-tier", "ios", "android", "uk", "llms-txt" ], "lastRelease": "2026-10-12", "graded": true, "anchor": { "graded": true, "score": 17.4, "grade": "F", "agentReady": false, "rank": 1044, "ranked": true, "rankOf": 1076, "categoryRank": 5, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 54, "payments": 30, "reliability": 15, "schema": 10, "security": 0, "transparency": 49 }, "pending": [ "performance", "tasks" ], "breakdown": [ { "key": "reliability", "name": "Reliability", "weight": 16, "effectiveWeight": 20, "score": 15, "points": 3, "reason": "Read with the hosted lines. No status page found, and status.emma-app.com has no DNS record (0). No readable incident history (5). No limits published and no interface for an outside agent (0). No overload or retry guidance (0). No SLA (0). On the App Store since 2017 and not labelled beta (10)." }, { "key": "performance", "name": "Performance", "weight": 10, "effectiveWeight": 0, "pending": true, "points": 0, "reason": "Pending. Latency is measured per call by our probes, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until the first probe window closes." }, { "key": "schema", "name": "Schema \u0026 documentation", "weight": 13, "effectiveWeight": 16.25, "score": 10, "points": 1.63, "reason": "Graded on the interface an outside agent can use. Emma has no API, MCP server or A2A endpoint for an outside agent, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). That is a statement about agent access, not about the app for people. emma-app.com/llms.txt describes the app, its cancellation directory and merchant lookup (10). With no agent interface there is nothing to version (0 of 15)." }, { "key": "ergonomics", "name": "Agent ergonomics", "weight": 13, "effectiveWeight": 16.25, "score": 0, "points": 0, "reason": "Graded on the interface an outside agent can use. Emma has none, so context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). This says nothing about the app for people." }, { "key": "security", "name": "Security \u0026 auth", "weight": 14, "effectiveWeight": 17.5, "score": 0, "points": 0, "reason": "Graded on the interface an outside agent can use. With none for Emma, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15), whatever the app does for its owner. The security programme line doesn't need an interface and is scored. For the record, bank access is read-only through Open Banking. emma-app.com/.well-known/security.txt returns 404, and no disclosure policy, bug bounty or certification was found; FCA and ICO registration are regulatory, not a security programme (0 of 20)." }, { "key": "payments", "name": "Payments \u0026 pricing", "weight": 10, "effectiveWeight": 12.5, "score": 30, "points": 3.75, "reason": "Read with the hosted rule. No x402, MPP or L402 (0). Public plan prices for Plus, Pro and Ultimate on the plans page (10). Basic is free, with no card needed for a free app (20). A person signs up in the app (0)." }, { "key": "tasks", "name": "Task success", "weight": 10, "effectiveWeight": 0, "pending": true, "points": 0, "reason": "Pending. Task success needs the category task suites run through each tool, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until then. A data provider's data-quality score is published on its listing now and becomes half of this category when it's scored." }, { "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7, "effectiveWeight": 8.75, "score": 54, "points": 4.72, "reason": "Read for a closed service. iOS 6.3.4 on 12 October 2026 (30). 13 iOS versions from 22 July to 12 October (20). Release notes are all \"Bug fixes \u0026 performance improvements\", and the help centre has chat and email, which we didn't test (4 of 15). No MCP server or SDK (0). No package or CI to judge (0)." }, { "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7, "effectiveWeight": 8.75, "score": 49, "points": 4.29, "note": "editorial 45, provenance 53", "reason": "Closed service under terms naming Emma Technologies Ltd, undated (15). The privacy policy, also undated, says data may be kept up to seven years after the relationship ends and names the legal bases and key processors (18 of 30). No deprecation policy or dated notices found (2 of 20). AWS, Experian, ComplyAdvantage, TransUnion and iovation are named, with the US transfer through iovation stated; other processors by category (10 of 20)." } ], "assessment": { "date": "2026-10-14", "basis": "public evidence", "confidence": "medium", "notes": { "ergonomics": "Graded on the interface an outside agent can use. Emma has none, so context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). This says nothing about the app for people.", "maintenance": "Read for a closed service. iOS 6.3.4 on 12 October 2026 (30). 13 iOS versions from 22 July to 12 October (20). Release notes are all \"Bug fixes \u0026 performance improvements\", and the help centre has chat and email, which we didn't test (4 of 15). No MCP server or SDK (0). No package or CI to judge (0).", "payments": "Read with the hosted rule. No x402, MPP or L402 (0). Public plan prices for Plus, Pro and Ultimate on the plans page (10). Basic is free, with no card needed for a free app (20). A person signs up in the app (0).", "reliability": "Read with the hosted lines. No status page found, and status.emma-app.com has no DNS record (0). No readable incident history (5). No limits published and no interface for an outside agent (0). No overload or retry guidance (0). No SLA (0). On the App Store since 2017 and not labelled beta (10).", "schema": "Graded on the interface an outside agent can use. Emma has no API, MCP server or A2A endpoint for an outside agent, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). That is a statement about agent access, not about the app for people. emma-app.com/llms.txt describes the app, its cancellation directory and merchant lookup (10). With no agent interface there is nothing to version (0 of 15).", "security": "Graded on the interface an outside agent can use. With none for Emma, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15), whatever the app does for its owner. The security programme line doesn't need an interface and is scored. For the record, bank access is read-only through Open Banking. emma-app.com/.well-known/security.txt returns 404, and no disclosure policy, bug bounty or certification was found; FCA and ICO registration are regulatory, not a security programme (0 of 20).", "transparency": "Closed service under terms naming Emma Technologies Ltd, undated (15). The privacy policy, also undated, says data may be kept up to seven years after the relationship ends and names the legal bases and key processors (18 of 30). No deprecation policy or dated notices found (2 of 20). AWS, Experian, ComplyAdvantage, TransUnion and iovation are named, with the US transfer through iovation stated; other processors by category (10 of 20)." }, "sources": [ { "what": "home page", "url": "https://emma-app.com/", "seen": "2026-10-14" }, { "what": "plans and prices", "url": "https://emma-app.com/plans/compare-emma-plans", "seen": "2026-10-14" }, { "what": "terms", "url": "https://emma-app.com/terms", "seen": "2026-10-14" }, { "what": "privacy policy", "url": "https://emma-app.com/privacy", "seen": "2026-10-14" }, { "what": "llms.txt", "url": "https://emma-app.com/llms.txt", "seen": "2026-10-14" }, { "what": "help centre security article", "url": "https://help.emma-app.com/en/article/how-safe-is-emma-app-kfmgsi/", "seen": "2026-10-14" }, { "what": "App Store listing and version history", "url": "https://apps.apple.com/gb/app/id1270062373", "seen": "2026-10-14" }, { "what": "status subdomain DNS lookup", "url": "https://dns.google/resolve?name=status.emma-app.com\u0026type=A", "seen": "2026-10-14" } ], "openQuestions": [ "Which aggregator Emma uses for UK Open Banking; the terms name Yapily Connect, but the privacy policy says only \"Banking Partners\".", "Dates of the terms and privacy policy, and which registered office is current." ] }, "negative": 0, "verdict": "Emma tracks subscriptions, bills and budgets for UK users through Open Banking, with a free plan and public prices for paid tiers, and iOS releases about every week. There is no public API or MCP server an outside agent can call. No status page or security contact was found, and the terms forbid bots and scrapers.", "bestFor": "UK users who want subscriptions, bills and budgets in one app, with savings and investing.", "strengths": [ "Free Basic plan, with paid tiers priced on the plans page.", "13 iOS releases between 22 July and 12 October 2026.", "FCA registration numbers and an ICO registration published on the site." ], "weaknesses": [ "No public API or MCP server an outside agent can call.", "The terms forbid access by bots, scripts, crawlers or scrapers.", "No status page, security.txt or disclosure policy found.", "Terms and privacy policy carry no dates, and give two different registered offices." ], "agentNotes": [ "Don't plan to call Emma from another agent. Hand the task to the person in the Emma app or web app.", "For a one-off cancellation question, the public pages at emma-app.com/how-to-cancel can be read like any web page." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "F", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 17.4 } ], "editorialScores": { "ergonomics": 0, "maintenance": 54, "payments": 30, "reliability": 15, "schema": 10, "security": 0, "transparency": 45 }, "provenanceScore": 53 }, "connect": {}, "letme": { "capability": "https://letme.dev/finance.subscriptions", "tool": "https://letme.dev/emma" }, "notable": [ "emma-app.com/llms.txt describes the app, a subscription cancellation directory, a merchant lookup and cashback deals, and names no API (https://emma-app.com/llms.txt)", "The terms forbid accessing the service by means not authorised by Emma, including automated devices, scripts, bots, spiders, crawlers or scrapers (https://emma-app.com/terms)", "Emma Technologies Ltd is registered with the FCA under the Payment Services Regulations 2017 (FRN 794952) and authorised for investment services and consumer credit (FRN 1042167), per the footer and help centre (https://help.emma-app.com/en/article/how-safe-is-emma-app-kfmgsi/)", "The privacy policy names AWS for storage, Experian for KYC, ComplyAdvantage for screening, and TransUnion and iovation for credit scores, with transfers to the US through iovation (https://emma-app.com/privacy)", "A community MCP server reads Emma transaction exports from Google Sheets; it isn't Emma's and doesn't call Emma (https://glama.ai/mcp/servers/accesstechnology-mike/emma-transactions-mcp)", "iOS 6.3.4 on 12 October 2026, with 13 versions from 22 July, each noted as bug fixes and performance improvements (https://apps.apple.com/gb/app/id1270062373)" ], "area": "domain-data", "details": [ { "label": "Surface listed", "value": "The Emma app and web app, read from emma-app.com (home page, plans, terms, privacy policy, llms.txt), the help centre and the UK App Store listing on 14 October 2026. No account was created." }, { "label": "Outside agent access", "value": "None. No public API or MCP server was found on emma-app.com or in its llms.txt." }, { "label": "What it tracks", "value": "Subscriptions, bills, bank fees, budgets payday to payday, categories, net worth, credit score, plus savings pots, investing and cashback (https://emma-app.com)" }, { "label": "Regulation", "value": "FCA FRN 794952 (payment services) and FRN 1042167 (investment services and consumer credit); ICO registration ZA241546" }, { "label": "Company", "value": "Emma Technologies Ltd, company number 10578464. The terms give 49-51 Central Street, London EC1V 8AB, and the footer Verse Building, 18 Brunswick Place, London N1 6DZ." } ], "provenance": { "legalEntity": "Emma Technologies Ltd", "domain": "emma-app.com", "domainRegistered": "2017-06-30", "endpointOnVendorDomain": null, "terms": "https://emma-app.com/terms", "privacy": "https://emma-app.com/privacy", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-10-14", "notes": [ "The terms name Emma Technologies LTD, registered in England and Wales, number 10578464, governed by English law. No date was found on the terms or the privacy policy.", "emma-app.com/.well-known/security.txt returns 404, and status.emma-app.com has no DNS record.", "The registered office differs between the terms (49-51 Central Street, EC1V 8AB) and the site footer (18 Brunswick Place, N1 6DZ).", "RDAP gives a registration date of 2017-06-30 for emma-app.com." ], "score": 53, "checks": [ { "check": "Legal entity named", "value": "Emma Technologies Ltd", "points": 20, "max": 20, "state": "ok" }, { "check": "Domain age", "value": "emma-app.com, registered 2017-06-30 (9 years)", "points": 11, "max": 15, "state": "part" }, { "check": "Endpoint on the vendor's domain", "value": "no hosted endpoint", "points": 0, "max": 0, "state": "na" }, { "check": "Terms of service", "value": "read, states 4 of the 7 things a reader expects, and has 1 clause that costs points", "points": 5.4, "max": 10, "state": "part" }, { "check": "Privacy policy", "value": "read, states 6 of the 8 things a reader expects", "points": 8.5, "max": 10, "state": "part" }, { "check": "Status page", "value": "not found", "points": 0, "max": 10, "state": "no" }, { "check": "Changelog", "value": "not found", "points": 0, "max": 10, "state": "no" }, { "check": "security.txt", "value": "not found", "points": 0, "max": 10, "state": "no" } ], "policies": [ { "kind": "terms", "url": "https://emma-app.com/terms", "state": "read", "readAt": "2026-10-14", "words": 4819, "points": 5.4, "max": 10, "expected": [ { "key": "terms.date", "label": "Gives the date it was last updated", "found": false }, { "key": "terms.law", "label": "Names the governing law or courts", "found": true, "quote": "Yapily Connect UAB is a private limited liability company organised and existing under the laws of the Republic of Lithuania, registration number 305602679, authorised and regulated by Bank of Lithuania as Authorised Payment Institution.", "says": "The law of the Republic of Lithuania" }, { "key": "terms.liability", "label": "States a limit on its liability", "found": true, "quote": "…from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable solicitors’ fees) caused by or arising from your use of the Service, your violation of these Terms or your infringement, or infringement by any other user of your account, of any intellectual property…" }, { "key": "terms.termination", "label": "Says how the agreement or account can be ended", "found": false }, { "key": "terms.changes", "label": "Says how changes to the terms are announced", "found": true, "quote": "Unless we make a change for legal or administrative reasons, we will provide reasonable advance notice before the Amended Terms take effect.", "says": "Says it gives notice of a change" }, { "key": "terms.use", "label": "Lists what users may not do", "found": true, "quote": "If you do not agree to these Terms of Use, you must not use the Service." }, { "key": "terms.sla", "label": "Refers to a service level or uptime commitment", "found": false } ], "toKnow": [ { "key": "terms.automated", "label": "Restricts automated access", "found": true, "quote": "6.3 You must not access the Service via a means not authorised by Emma, including, but not limited to, automated devices, scripts, bots, spiders, crawlers or scrapers (except for standard search engine technologies which are used by a search engine with Emma’s express written consent).", "costsPoints": true } ], "notes": [ { "date": "2026-10-14", "text": "Users must not allow anyone else to access the Service on their behalf.", "quote": "3. 2 You must not allow anyone to access the Service on your behalf." }, { "date": "2026-10-14", "text": "The Service is for domestic and private use only, and users agree not to use it for commercial, business or resale purposes.", "quote": "You agree not to use the product for any commercial, business or resale purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity." }, { "date": "2026-10-14", "text": "Emma and its Trusted Partners may sell and license aggregate, non-personally identifiable information derived from use of the Service.", "quote": "Our Trusted Partners and us may also use, sell, license, reproduce, distribute and disclose aggregate, non-personally identifiable information that is derived through your use of the Service." } ] }, { "kind": "privacy", "url": "https://emma-app.com/privacy", "state": "read", "readAt": "2026-10-14", "words": 3988, "points": 8.5, "max": 10, "expected": [ { "key": "privacy.date", "label": "Gives the date it was last updated", "found": false }, { "key": "privacy.collected", "label": "Says what personal data is collected", "found": true, "quote": "We are the data controller for the purposes of the personal data we collect via our website and for the performance of the services listed under the usages of your personal data, below (together, the “Services”)." }, { "key": "privacy.retention", "label": "Says how long data is kept", "found": true, "quote": "Your data will be deleted within 30 days of your request.", "says": "Names a period of 30 days" }, { "key": "privacy.processors", "label": "Says who else receives the data", "found": true, "quote": "‍When you use our Services we will have access to the personal data that you submit to us and personal data held by Account Servicing Payment Service Providers (i.e." }, { "key": "privacy.sale", "label": "Says whether personal data is sold or shared for advertising", "found": false }, { "key": "privacy.rights", "label": "Says what rights people have over their data", "found": true, "quote": "Your Rights: If any automated decision significantly affects you, you have the right to request human intervention, express your viewpoint, and contest the decision by contacting support@emma-app.com." }, { "key": "privacy.contact", "label": "Gives a privacy contact", "found": true, "quote": "Should You wish to do so, please email us at privacy@emma-app.com to make a subject access request detailing:", "says": "privacy@emma-app.com" }, { "key": "privacy.transfers", "label": "Says where data is transferred or stored", "found": true, "quote": "Such transfers are made subject to appropriate safeguards, including standard contractual clauses approved under UK GDPR, to ensure your data receives an equivalent level of protection.", "says": "Relies on standard contractual clauses" } ], "notes": [ { "date": "2026-10-14", "text": "Automated identity, fraud and financial crime checks can lead to account restrictions, transaction blocks or service denial.", "quote": "These automated decisions can result in account restrictions, transaction blocks, service denial, or additional verification requirements." } ] } ] }, "pageJsonUrl": "https://www.anchorterminal.com/tools/emma.json" } }