{
  "data": {
    "a": {
      "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"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "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
      },
      "letme": {
        "capability": "https://letme.dev/finance.subscriptions",
        "tool": "https://letme.dev/emma"
      },
      "area": "domain-data",
      "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
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/emma.json"
    },
    "answer": "Emma scores 17.4 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 4 of 7 scored categories. ScribeUp leads on security \u0026 auth.",
    "b": {
      "slug": "scribeup",
      "name": "ScribeUp",
      "vendor": "ScribeUp Technologies, Inc.",
      "vendorUrl": "https://scribeup.io",
      "kind": "http-api",
      "category": "personal-finance",
      "summary": "ScribeUp is an embedded subscription and recurring-bill management service that banks, credit unions and fintechs put inside their own apps. It finds subscriptions and cancels them or updates the card on file, by SDK, iFrame or API.",
      "url": "https://www.anchorterminal.com/tools/scribeup",
      "markdownUrl": "https://www.anchorterminal.com/tools/scribeup.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/scribeup.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/scribeup.json",
      "license": "Closed service under the ScribeUp Terms of Service (ScribeUp Technologies, Inc.).",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "Partners initialise the SDK with client credentials, per scribeup.io/developer, but the developer docs are locked and access starts with a demo request. End users reach ScribeUp only inside a partner's app, and it temporarily stores merchant logins and session tokens, encrypted, for automated tasks (https://scribeup.io/privacy).",
      "pricing": "paid",
      "pricingNotes": "No public prices. Access for banks, credit unions and fintechs starts with a demo request on scribeup.io, checked 14 October 2026. No free tier or sandbox was found.",
      "priceSummary": "Paid",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 found on scribeup.io or its terms, checked 14 October 2026.",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "capabilities": [
        "finance.subscriptions",
        "finance.cancellation",
        "finance.bills"
      ],
      "tags": [
        "hosted",
        "official",
        "closed-source",
        "paid",
        "enterprise",
        "not-for-agents",
        "sales-led"
      ],
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 7.9,
        "grade": "F",
        "agentReady": false,
        "rank": 1071,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 10,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 2,
          "payments": 0,
          "reliability": 15,
          "schema": 0,
          "security": 6,
          "transparency": 42
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "ScribeUp sells subscription detection, one-click cancellation and card updating to banks and fintechs, embedded by SDK, iFrame or API, and claims SOC 2 Type II and PCI DSS compliance. There is no public API or MCP server an outside agent can call today. Developer docs are locked and access starts with a demo request.",
        "bestFor": "Banks and fintechs that want subscription management inside their app.",
        "strengths": [
          "Embeds by SDK, iFrame or API, with webhooks and events, per its developer page.",
          "Claims SOC 2 Type II and PCI DSS compliance, with a trust centre run on Vanta.",
          "Terms and privacy policy dated 1 October 2026, explaining how merchant credentials are stored."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call.",
          "The Developer docs link on scribeup.io is locked, and access starts with a demo request.",
          "No public prices, free tier or sandbox.",
          "No changelog, release notes or status page found."
        ],
        "agentNotes": [
          "Don't plan to call ScribeUp from another agent. Send a person to their bank's app if it embeds ScribeUp, or a business to ScribeUp's demo request.",
          "Expect data a partner bank collects to fall under that bank's privacy policy, not ScribeUp's."
        ],
        "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": 7.9
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 2,
          "payments": 0,
          "reliability": 15,
          "schema": 0,
          "security": 6,
          "transparency": 31
        },
        "provenanceScore": 53
      },
      "letme": {
        "capability": "https://letme.dev/finance.subscriptions",
        "tool": "https://letme.dev/scribeup"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "ScribeUp Technologies, Inc.",
        "domain": "scribeup.io",
        "domainRegistered": "2020-10-23",
        "endpointOnVendorDomain": null,
        "terms": "https://scribeup.io/terms-of-service",
        "privacy": "https://scribeup.io/privacy",
        "statusPage": "",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-10-14",
        "notes": [
          "The terms and privacy policy are effective 1 October 2026.",
          "scribeup.io/.well-known/security.txt returns the site's HTML page, not a security.txt. status.scribeup.io has no DNS record.",
          "The site's inquiry form posts to production.api.scribeup.co.",
          "RDAP gives a registration date of 2020-10-23 for scribeup.io."
        ],
        "score": 53
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/scribeup.json"
    },
    "facts": [
      {
        "a": "Platform",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "Emma Technologies Ltd",
        "b": "ScribeUp Technologies, Inc.",
        "name": "Vendor"
      },
      {
        "a": "no (local only)",
        "b": "no (local only)",
        "name": "Hosted endpoint"
      },
      {
        "a": "",
        "b": "",
        "name": "Transports"
      },
      {
        "a": "OAuth or key",
        "b": "OAuth or key",
        "name": "Auth"
      },
      {
        "a": "Freemium",
        "b": "Paid",
        "name": "Pricing"
      },
      {
        "a": "no",
        "b": "no",
        "name": "x402"
      },
      {
        "a": "Closed service under Emma's terms and conditions (Emma Technologies Ltd)",
        "b": "Closed service under the ScribeUp Terms of Service (ScribeUp Technologies, Inc.).",
        "name": "Licence"
      },
      {
        "a": "no",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-12",
        "b": "none",
        "name": "Last release"
      },
      {
        "a": "no date given",
        "b": "couldn't be read",
        "name": "Terms last updated"
      },
      {
        "a": "no date given",
        "b": "couldn't be read",
        "name": "Privacy policy last updated"
      },
      {
        "a": "not found in the text",
        "b": "couldn't be read",
        "name": "Customer content may train models"
      },
      {
        "a": "yes",
        "b": "couldn't be read",
        "name": "Terms restrict automated access"
      },
      {
        "a": "not found in the text",
        "b": "couldn't be read",
        "name": "Terms restrict benchmarking"
      },
      {
        "a": "not found in the text",
        "b": "couldn't be read",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "not found in the text",
        "b": "couldn't be read",
        "name": "Arbitration or class-action waiver"
      }
    ],
    "faq": [
      {
        "answer": "Emma scores 17.4 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 4 of 7 scored categories. ScribeUp leads on security \u0026 auth.",
        "question": "Which is better for AI agents, Emma or ScribeUp?"
      },
      {
        "answer": "No hosted endpoint is listed for Emma. No hosted endpoint is listed for ScribeUp.",
        "question": "Can an agent call Emma and ScribeUp without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Schema \u0026 documentation, 10 against 0",
          "Payments \u0026 pricing, 30 against 0",
          "Maintenance \u0026 community, 54 against 2",
          "Transparency \u0026 trust, 49 against 42"
        ],
        "also": null,
        "goodFor": "UK users who want subscriptions, bills and budgets in one app, with savings and investing.",
        "slug": "emma",
        "watchFor": "No public API or MCP server an outside agent can call."
      },
      {
        "aheadOn": [
          "Security \u0026 auth, 6 against 0"
        ],
        "also": null,
        "goodFor": "Banks and fintechs that want subscription management inside their app.",
        "slug": "scribeup",
        "watchFor": "No public API or MCP server an outside agent can call."
      }
    ],
    "job": {
      "capability": "finance.subscriptions",
      "name": "Subscription tracking"
    },
    "others": [
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.json",
        "title": "Copilot Money vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-hiatus.json",
        "title": "Emma vs Hiatus",
        "url": "https://www.anchorterminal.com/compare/emma-vs-hiatus"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-pocketguard.json",
        "title": "Emma vs PocketGuard",
        "url": "https://www.anchorterminal.com/compare/emma-vs-pocketguard"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.json",
        "title": "Emma vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-rocket-money.json",
        "title": "Emma vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/emma-vs-rocket-money"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-snoop.json",
        "title": "Emma vs Snoop",
        "url": "https://www.anchorterminal.com/compare/emma-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/hiatus-vs-scribeup.json",
        "title": "Hiatus vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.json",
        "title": "PocketGuard vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.json",
        "title": "Quicken Simplifi vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/rocket-money-vs-scribeup.json",
        "title": "Rocket Money vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/rocket-money-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/scribeup-vs-snoop.json",
        "title": "ScribeUp vs Snoop",
        "url": "https://www.anchorterminal.com/compare/scribeup-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-emma.json",
        "title": "Copilot Money vs Emma",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-emma"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-ynab.json",
        "title": "Emma vs YNAB",
        "url": "https://www.anchorterminal.com/compare/emma-vs-ynab"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-plum.json",
        "title": "Emma vs Plum",
        "url": "https://www.anchorterminal.com/compare/emma-vs-plum"
      }
    ],
    "scores": [
      {
        "by": 0,
        "edge": "",
        "emma": 15,
        "key": "reliability",
        "name": "Reliability",
        "scribeup": 15,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 10,
        "edge": "emma",
        "emma": 10,
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "scribeup": 0,
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "emma": 0,
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "scribeup": 0,
        "weight": 13
      },
      {
        "by": 6,
        "edge": "scribeup",
        "emma": 0,
        "key": "security",
        "name": "Security \u0026 auth",
        "scribeup": 6,
        "weight": 14
      },
      {
        "by": 30,
        "edge": "emma",
        "emma": 30,
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "scribeup": 0,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 52,
        "edge": "emma",
        "emma": 54,
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "scribeup": 2,
        "weight": 7
      },
      {
        "by": 7,
        "edge": "emma",
        "emma": 49,
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "scribeup": 42,
        "weight": 7
      }
    ],
    "summary": "Emma scores 17.4 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 4 of 7 scored categories. ScribeUp leads on security \u0026 auth. Both do subscription tracking.",
    "verdicts": {
      "emma": "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.",
      "scribeup": "ScribeUp sells subscription detection, one-click cancellation and card updating to banks and fintechs, embedded by SDK, iFrame or API, and claims SOC 2 Type II and PCI DSS compliance. There is no public API or MCP server an outside agent can call today. Developer docs are locked and access starts with a demo request."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/emma-vs-scribeup",
    "json": "https://www.anchorterminal.com/compare/emma-vs-scribeup.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/emma-vs-scribeup.md",
    "slim": "https://www.anchorterminal.com/compare/emma-vs-scribeup.min.md"
  },
  "markdown": "Emma scores 17.4 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 4 of 7 scored categories. ScribeUp leads on security \u0026 auth. Both do subscription tracking.\n\n- Emma: grade F, 17.4/100, rank #1044 of 1076. Markdown https://www.anchorterminal.com/tools/emma.md · JSON https://www.anchorterminal.com/api/v1/tools/emma.json\n- ScribeUp: grade F, 7.9/100, rank #1071 of 1076. Markdown https://www.anchorterminal.com/tools/scribeup.md · JSON https://www.anchorterminal.com/api/v1/tools/scribeup.json\n- Best subscription, bill and budgeting tools for AI agents: https://www.anchorterminal.com/best/personal-finance/index.md\n- All 43 personal finance comparisons: https://www.anchorterminal.com/compare/personal-finance/index.md\n\n## Which one, for what\n\n### Emma (F)\n\nGood for: UK users who want subscriptions, bills and budgets in one app, with savings and investing.\n\nAhead on:\n- Schema \u0026 documentation, 10 against 0\n- Payments \u0026 pricing, 30 against 0\n- Maintenance \u0026 community, 54 against 2\n- Transparency \u0026 trust, 49 against 42\n\nWatch for: No public API or MCP server an outside agent can call.\n\n### ScribeUp (F)\n\nGood for: Banks and fintechs that want subscription management inside their app.\n\nAhead on:\n- Security \u0026 auth, 6 against 0\n\nWatch for: No public API or MCP server an outside agent can call.\n\n\n## Score by category\n\n| Category | Weight | Emma | ScribeUp | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 15 | 15 | even |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 10 | 0 | Emma +10 |\n| Agent ergonomics | 13% (16.2 this run) | 0 | 0 | even |\n| Security \u0026 auth | 14% (17.5 this run) | 0 | 6 | ScribeUp +6 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 30 | 0 | Emma +30 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 54 | 2 | Emma +52 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 49 | 42 | Emma +7 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **17.4 · F** | **7.9 · F** | |\n\n## Facts side by side\n\n| Fact | Emma | ScribeUp |\n| --- | --- | --- |\n| Kind | Platform | HTTP API |\n| Vendor | Emma Technologies Ltd | ScribeUp Technologies, Inc. |\n| Hosted endpoint | no (local only) | no (local only) |\n| Transports |  |  |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Freemium | Paid |\n| x402 | no | no |\n| Licence | Closed service under Emma's terms and conditions (Emma Technologies Ltd) | Closed service under the ScribeUp Terms of Service (ScribeUp Technologies, Inc.). |\n| Read-only variant documented | no | no |\n| llms.txt | yes | no |\n| Last release | 2026-10-12 | none |\n| Terms last updated | no date given | couldn't be read |\n| Privacy policy last updated | no date given | couldn't be read |\n| Customer content may train models | not found in the text | couldn't be read |\n| Terms restrict automated access | yes | couldn't be read |\n| Terms restrict benchmarking | not found in the text | couldn't be read |\n| Terms or service can change without notice | not found in the text | couldn't be read |\n| Arbitration or class-action waiver | not found in the text | couldn't be read |\n\n## Verdicts\n\n**Emma.** 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.\n\n**ScribeUp.** ScribeUp sells subscription detection, one-click cancellation and card updating to banks and fintechs, embedded by SDK, iFrame or API, and claims SOC 2 Type II and PCI DSS compliance. There is no public API or MCP server an outside agent can call today. Developer docs are locked and access starts with a demo request.\n\n## Before you call either\n\n### Emma\n\n1. Don't plan to call Emma from another agent. Hand the task to the person in the Emma app or web app.\n2. For a one-off cancellation question, the public pages at emma-app.com/how-to-cancel can be read like any web page.\n\n### ScribeUp\n\n1. Don't plan to call ScribeUp from another agent. Send a person to their bank's app if it embeds ScribeUp, or a business to ScribeUp's demo request.\n2. Expect data a partner bank collects to fall under that bank's privacy policy, not ScribeUp's.\n\n## Questions\n\n### Which is better for AI agents, Emma or ScribeUp?\n\nEmma scores 17.4 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 4 of 7 scored categories. ScribeUp leads on security \u0026 auth.\n\n### Can an agent call Emma and ScribeUp without installing anything?\n\nNo hosted endpoint is listed for Emma. No hosted endpoint is listed for ScribeUp.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/emma-vs-scribeup.json, and with the fewest tokens: https://www.anchorterminal.com/compare/emma-vs-scribeup.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"emma\", \"b\": \"scribeup\"}`. From a terminal: `anchor compare emma scribeup`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/emma.json and https://www.anchorterminal.com/api/v1/tools/scribeup.json\n\n## Other comparisons with Emma or ScribeUp\n\n- [Copilot Money vs ScribeUp](https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.md)\n- [Emma vs Hiatus](https://www.anchorterminal.com/compare/emma-vs-hiatus.md)\n- [Emma vs PocketGuard](https://www.anchorterminal.com/compare/emma-vs-pocketguard.md)\n- [Emma vs Quicken Simplifi](https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.md)\n- [Emma vs Rocket Money](https://www.anchorterminal.com/compare/emma-vs-rocket-money.md)\n- [Emma vs Snoop](https://www.anchorterminal.com/compare/emma-vs-snoop.md)\n- [Hiatus vs ScribeUp](https://www.anchorterminal.com/compare/hiatus-vs-scribeup.md)\n- [PocketGuard vs ScribeUp](https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.md)\n- [Quicken Simplifi vs ScribeUp](https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.md)\n- [Rocket Money vs ScribeUp](https://www.anchorterminal.com/compare/rocket-money-vs-scribeup.md)\n- [ScribeUp vs Snoop](https://www.anchorterminal.com/compare/scribeup-vs-snoop.md)\n- [Copilot Money vs Emma](https://www.anchorterminal.com/compare/copilot-money-vs-emma.md)\n- [Emma vs YNAB](https://www.anchorterminal.com/compare/emma-vs-ynab.md)\n- [Emma vs Plum](https://www.anchorterminal.com/compare/emma-vs-plum.md)\n",
  "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"
  },
  "page": {
    "breadcrumbs": [
      {
        "name": "Home",
        "url": "https://www.anchorterminal.com/"
      },
      {
        "name": "Compare",
        "url": "https://www.anchorterminal.com/compare/"
      },
      {
        "name": "Emma vs ScribeUp",
        "url": ""
      }
    ],
    "description": "Emma scores 17.4 (F) to ScribeUp's 7.9 (F) for subscription tracking. Prices, MCP, x402, uptime and agent notes side by side.",
    "facts": [
      "Emma F 17.4",
      "ScribeUp F 7.9",
      "scores"
    ],
    "h1": "Emma vs ScribeUp",
    "image": "https://www.anchorterminal.com/assets/og/compare-emma-vs-scribeup.png",
    "path": "/compare/emma-vs-scribeup",
    "published": "2026-10-01",
    "section": "tools",
    "title": "Emma vs ScribeUp for AI agents in 2026: scores and prices",
    "toc": null,
    "updated": "2026-10-14",
    "url": "https://www.anchorterminal.com/compare/emma-vs-scribeup"
  },
  "tokens": {
    "markdown": 1800,
    "slim": 630
  },
  "version": 1
}