Everything disappears automagically.
And add custom emoji/icon.
1 Like
And then reappears automagically if you become Pro again as Iāve found out.
Yes, thatās the case.
My wishlist 
Manual accounts would be way more useful with some configurable automation.
Say I have a custom account that is a cash ISA that pays 1.2% interest, and I pay in Ā£200 per month on 22nd of each month. If I could set a regular contribution amount and a known interest rate, that account would effectively keep pace with reality.
Also, it would be great to be able to do the same with negative amounts, for example loans.
Say I have an unsecured personal loan of Ā£2000 repayable over two years, that charges 9.9% APR. If I could set this up as a manual account, along with the repayment period and APR amount, Emma would effectively be able to show me how much I have outstanding, and what my next payment will be.
In fact, personal loans is one area Emma doesnāt really address; we know what out current accounts, savings accounts, credit cards and investments look like, but not any outstanding loan amounts. Could this be added, perhaps as a new section; āEverydayā, āSavingsā, āInvestmentsā and āDebtsā?
Also, and I asked this before on social media, integrating with utility bill aggregators (Onedox is the one I use, and they have an open API) would be great. Emma does a good job of handling subscriptions/ recurring payments, but deep integration with Onedox (Starling Bank does this) would mean we could not only see the amount due, but, for example, jump into the Onedox app and actually view the bill, or see Onedox āto doā items (such as ārenew car insuranceā) within Emma.
Also, any chance of an IFTTT channel? It would be great to be able to use IFTTT to, say, āadd a line to a Google spreadsheet every time I go over my groceries budgetā, or even āTurn my Nest thermostat down every time I exceed my bills budgetā.
3 Likes
This is mental. I like it. 
1 Like
Yeah, there was a reason I left that one til last!
The Pro lets you add credit cards, so in theory this could be done, but it will skew the number at the top. We are open for extra sections, considering that loans/mortgages will take a while before being included.
It would be great if you could open an Odedox Discussion & Feedback thread in Fintech Chat with some screenshots, so we can all have a look.
1 Like
Done. Posted here.
Iāve marked my credit cards as hidden as like you mentioned itās skews the numbers. +1 for a separate section for debt or alike as mentioned.
2 Likes
Iāve got another suggestion (and itās not IFTTT this time).
Looking at my categories, Iāve done a really bad job of categorising my business expenses. This is because I travel for work, and when I buy lunch, petrol, hotels rooms etc. I often forget to manually categorise them as business expenses. I canāt ask Emma to auto categorise them either, because I often buy these same things as personal expenses.
Would it be possible, using notification channels combined with actionable notifications, to have Emma notify the user every time a new transaction is detected, and have an option within the notification to categorise the transaction as ābusinessā or āpersonalā?
Obviously the analytic categorisation would remain the same, so a restaurant bill would always show under āEating Outā in analytics.
For example;
If I stop for lunch at Frankie & Bennieās on a Tuesday lunchtime whilst Iām working, when this transaction is detected I receive a notification saying, for example āĀ£12.50 spent at Frankie & Bennieāsā with options in the notification to mark it as either āBusinessā or āPersonalā. I then press the āBusinessā button in the notification, and Emma categorises this as an āEating Outā expense, and also a āBusinessā expense.
The following day, I go to the cinema with my girlfriend, and, being a crazy cat, grab a bite to eat beforehand, again at Frankie & Bennieās. As before, Emma notifies me when the transaction is detected, and this time I press the āPersonalā button in the notification. Again it is recognised as an āEating Outā expense, but this time not categorised as a business expense. Same merchant, only filed differently.
I know this can be done already without notifications, but receiving a prompt when a new transaction is detected would make it easier to stay on top of similar transactions that need to be categorised differently, as the user would be more inclined to deal with them there and then. Having an actionable notification would mean that the user wouldnāt even have to open the Emma app, and users who had no use for such notifications could simply not enable them.
Is such an idea feasible?
2 Likes
Sorry for missing this!
I think this is doable and not even hard. The main issue is that itās a small use case, so not sure how we can fit this feature for everyone else.
What we had planned was a feature for uncategorised transactions that acts in this way. āYou get a prompt whenever there is new uncategorised stuffā. 
Sorry but another vote here for it being overpriced but thatās mainly because the only two features that are Pro only that I care about are manual accounts and custom categories, although for the latter I donāt really want these as I would rather have just one or two extras added to the main list. I also use Moneyhub and that costs Ā£10 a year.
What do they offer for Ā£10 a year?
Basically use of the service. I did leave it a while after my trial ended before signing up and I think everything was made read only and none of the existing accounts would update but canāt be sure. I definitely couldnāt add any new accounts at least.
1 Like
What would be a fair price for Emma Pro? 
I feel that this would help break a psychological barrier in users:
Monthly - Ā£2.99
Six Months - Ā£14.99
Yearly - Ā£23.99
Also, as you know, Iām all for improving the corporate expenses handling. I think actionable notifications as mentioned in this thread would be great. Perhaps it could be an option for people to turn on - if you are someone who uses personal accountability for business expenses etc.
5 Likes
We might as well build Emma for Biz. ehehe
I think the most Iād be willing to pay is Ā£24 a year but Iād like to see more added to Pro first of allā¦ but as to what that would be Iām not sure! Iād definitely like more in the way of analysis/graphs.
One other idea (and Iām not suggesting you reduce the functionality of the free version but) if there was say, a limit of 5 accounts for free vs unlimited for Pro that would be something that would get me to upgrade.
1 Like