# Emma vs Plum (slim)

> Plum scores 27.4 (F) to Emma's 17.4 (F) for personal transactions. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/emma-vs-plum.md (~1,700 tokens) · this version ~480 tokens · JSON https://www.anchorterminal.com/compare/emma-vs-plum.json · canonical https://www.anchorterminal.com/compare/emma-vs-plum
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-14

Plum scores 27.4 (F) on agent readiness against Emma's 17.4 (F), and leads in 3 of 7 scored categories. Both do personal transactions.

- Emma: F 17.4, rank #1044 of 1076 · https://www.anchorterminal.com/tools/emma.min.md
- Plum: F 27.4, rank #1026 of 1076 · https://www.anchorterminal.com/tools/plum.min.md
- Emma, good for UK users who want subscriptions, bills and budgets in one app, with savings and investing.
- Plum, good for UK and European users who want saving and investing automated from their spending. Ahead on Reliability, 60 against 15; Transparency & trust, 58 against 49.

| Category | Emma | Plum |
| --- | --- | --- |
| Reliability (16%) | 15 | 60 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 10 | 10 |
| Agent ergonomics (13%) | 0 | 0 |
| Security & auth (14%) | 0 | 0 |
| Payments & pricing (10%) | 30 | 30 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 54 | 56 |
| Transparency & trust (7%) | 49 | 58 |

| Fact (where they differ) | Emma | Plum |
| --- | --- | --- |
| Vendor | Emma Technologies Ltd | Plum Fintech Limited |
| Licence | Closed service under Emma's terms and conditions (Emma Technologies Ltd) | Closed service under Plum's terms (Plum Fintech Limited and Saveable Limited) |
| Terms last updated | no date given | 2026-07-15 |
| Terms restrict automated access | yes | not found in the text |
| Terms or service can change without notice | not found in the text | yes |