How to Cancel Emma Premium
Emma is a financial management app that helps you track spending, manage budgets, and monitor bills through open banking connections. You must cancel through your app store (Apple or Google) rather than within the Emma app itself. Your premium access continues until the end of your current billing cycle.
Steps verified
Quick Facts
| Emma FreeBasic budgeting | £0.00/mo |
| Emma PlusAdvanced analytics | £4.99/mo |
| Emma ProFull features | £9.99/mo |
| Emma UltimateEverything including crypto tracking | £14.99/mo |
- Cancel online?
- Yes
- Pause option?
- No
- Refund policy
- Refunds depend on your app store's policy. Apple typically offers refunds within 14 days if the app doesn't work as described, whilst Google Play allows refunds within 48 hours for most subscriptions.
- After cancellation
- Your Emma account, connected bank accounts, and transaction history remain accessible on the free tier indefinitely. Premium features like advanced analytics and bill forecasting become unavailable, but all your data is preserved.
Cancellation Steps
Go directly to Emma Premium cancellation pageOpen your app store account settings
On iPhone, open the Apple App Store and tap the profile icon in the top-right corner. On Android, open Google Play Store and tap your profile picture, then select 'Manage your Google Account'.
Navigate to your subscriptions
On Apple App Store, tap 'Subscriptions'. On Google Play Store, tap 'Payments and subscriptions' then 'Subscriptions'.
Select Emma from your subscriptions list
Find 'Emma' or 'Emma Premium' in your active subscriptions and tap to open the subscription details.
Tap Cancel Subscription and confirm
Select 'Cancel Subscription' or 'Cancel', review any retention offers, and confirm the cancellation.
Check your confirmation email
Look for a cancellation confirmation from Apple or Google to verify the cancellation was processed.
Tips & Things to Know
- Cancel at least 24 hours before your next billing date to avoid being charged for the next cycle; check your renewal date in the app store before cancelling.
- Do not attempt to cancel within the Emma app itself; the app will direct you to the app store, so go directly to your subscription settings.
- Your free Emma account continues indefinitely with basic budgeting features; your transaction history and connected bank accounts remain accessible, but premium analytics will become unavailable.
Your Consumer Rights
- UK users: The Consumer Rights Act 2015 requires subscription services to make cancellation as easy as subscription and prohibits unfair contract terms.
- US users: The FTC's Negative Option Rule requires explicit informed consent before charging, easy cancellation options, and prompt cancellation processing.
Frequently Asked Questions
- Can I cancel Emma Premium at any time?
- Yes, you can cancel at any time through your app store subscription settings. Your premium access continues until the end of your current billing cycle, though cancellations made within 24 hours of your renewal date may still process the next charge depending on your app store's processing time.
- Will I lose my bank data and transaction history if I cancel?
- No, your Emma account, connected bank accounts, and all transaction history remain accessible on the free tier. You'll lose access to premium features like advanced analytics and bill tracking, but can restore them by resubscribing without losing your data.
- Can I get a refund for Emma Premium?
- Refunds depend on your app store. Apple offers refunds within 14 days if the app doesn't work as described, whilst Google Play offers refunds within 48 hours for subscriptions. Mid-cycle cancellations typically do not receive refunds for unused time.
- Why must I cancel through the app store instead of within the Emma app?
- Emma uses your app store's subscription system to manage billing and cancellations for security and compliance reasons. The Emma app cannot process cancellations directly; always cancel through your phone's app store settings.
- Can I downgrade to a lower Emma tier instead of cancelling completely?
- Yes, depending on your app store, you may be able to change your subscription plan within your subscription settings. This preserves your premium access without interruption.