Emma Ultimate is here!

We’re thrilled to announce this new subscription plan :tada:

Made with businesses, families, and the self-employed in mind, Ultimate introduces powerful new features like Spaces, Unlimited Bank Transfers and Business Accounts to help you take your finances to the next level :rocket:


The new Spaces feature allows you to group accounts together and independently set budgets and see analytics for them. It also allows you to share a Space with another Emma user, even if they don’t have Emma Ultimate :partying_face:

You can use Spaces to create a separate budget for a joint account, separate your business accounts from your personal accounts, manage family budgets in one place, and much more.

Business Accounts

Ultimate introduces support for UK Business accounts in Emma, including popular business accounts from Tide, HSBC, Barclays and more.

You can solely track business accounts or connect your business accounts alongside your personal accounts already connected in Emma.

Unlimited Bank Transfers

You can now make unlimited bank transfers between your accounts via the Emma app using Emma Ultimate. Particularly useful if you need to transfer large amounts to or from business accounts :magic_wand:

Try Emma Ultimate by going to the Upgrade tab in your Emma app. If you’re not currently subscribed to Emma Plus or Emma Pro, try Ultimate for 7-days free!

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Though ultimate is per month what I’m paying up get pro per year, which I just can’t justify…

Will the downgrade happen automatically at the end of the trial back eg to pro, or does the subscription start and then you have to cancel completely?

I am not sure what you mean? Ultimate is yearly or monthly.

Congrats on shipping the new plan.

What are your thoughts on providing an embedded insurance product into a subscription plan? You previously mentioned a desire to offer accounts and cards for payments… I belive if this is the future plan for Emma then an imbedded insurance product should be a real value add within your subscriptions.

Yes, we are looking into this as well as providing a higher interest on savings accounts via the subscription.

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I love the introduction of Spaces, but that’s the only Ultimate feature that would be relevant for me: purely to see my joint account analysis separate from the rest of my (solo) accounts. So I won’t personally be upgrading, because I get essentially the same effect from using a different budgeting app solely for the joint account stuff. But I’m looking forward to living vicariously through seeing how others use Spaces! This is an exciting time to be an Emma user!

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Spaces would be useful but as mentioned by Gaolet - Ultimate is 12x what I pay for my pro sub at the moment. There is almost no feature set that would justify that!


The Compare section only shows the monthly fees. Should it show both?

I’m paying £14.99 a year for Pro.

Upgrading to Ultimate would be £14.99 a month or (currently with offer) £124.99 a year - normally £179.88.

I don’t see how you’ll convert many pro users on such low subscriptions to ultimate with such a big hike. Particularly if they then can’t downgrade to the previous pricing later on.

My question about the 7-day trial is whether you stay on the same subscription and price if you cancel the trial. Otherwise, it’s not even worth a trial.

It does feel like the pricing is a bit broken.


Do you have a roadmap for when additional banks and business accounts will be added. My business account is with Starling which isn’t on the list of banks in Ultimate. I wanting to compare functionality with Coconut

You can connect under Personal accounts. I seem to remember having to open the Starling app and the business account screen first, but it was ages ago, so maybe that’s changed.

Starling should really be on the list of business accounts…

Yes, we are checking this.