I prefer almost everything about Emma - range of banks, features, functionality, community. The customer service and responsiveness to suggestions is FANTASTIC - with Yolt suggestions and feedback goes into a black hole never to be seen again. I also much prefer the way Emma splits accounts into Everyday/Savings/Investments.
That said, the style of the Yolt interface (fonts, colours, general slickness) looks way more professional. It’s not about the “fun vibe” argument - I don’t mind all the gummy bears stuff - it’s more that the Emma interface as a whole is starting to look a bit… dated. It would be possible to smarten it up without losing the fun element.
Every time I go on the Yolt app it just reminds me of the British Gas website and that one time I had to sit for hoursssss sorting out one of my bills not good memories haha
No, waiting for the rollout to see what’s what. No massive desire for yet another prepaid debit card!
I can see a lockin strategy emerging from them though with autosaving, possibly cashback?, and a card that tracks your spending but only in their app… They’re probably chasing interchange too, which is not a bad idea as far as diversifying revenue streams.
Ever thought of a debit card linked to Emma cashback?! What would be sweet is a passthrough card, a bit like PayPal, where you can link any underlying funding source, so you get all your transactions in open banking, then just use the front card to track the cashback.
People are talking about the Yolt Spending graph. It helps you see how fast you’re burning through your budget on a day to day basis and compares to the previous month which displayed as dotted line on the same graph.
If Emma introduces this, then it’s game over. Emma will be undisputed champion
from me.
not good memories haha
