The short version
Moneyhub goes deeper on pensions, investments and data sharing; Emma is friendlier and cheaper for everyday spending. Moneyhub's consumer app has always played second fiddle to its B2B business, which shows in the experience.
Why people compare them
Both are UK account aggregators, but one is consumer-first and one is closer to an adviser-grade platform.
Price and fit, side by side
| Feature | Emma | Moneyhub |
|---|---|---|
| Cheapest paid plan | EmmaFree tier, then £4.99 per month | MoneyhubNot published |
| Free tier | EmmaYes | MoneyhubNo |
| Billed in pounds | EmmaYes | MoneyhubYes |
| Best for | EmmaPeople who want to see where their money went and cancel forgotten subscriptions | MoneyhubBusinesses buying Open Banking data infrastructure, rather than individuals looking for an app to use |
Where Emma wins
- A real free tier that covers the basics
- Built for the UK, with UK bank connections through Open Banking
- Good at surfacing wasted subscriptions and recurring charges
Where Moneyhub wins
- Serious Open Banking engineering, with categorisation and enrichment used by banks, lenders and pension providers
- One of the earliest UK apps to aggregate current accounts, pensions, investments and property in one view
- Rather than simply shutting users out, Moneyhub arranged for WPS Advisory to take over, and migrating users kept their remaining subscription term
Where both fall short
- Both are built US-first, so UK users pay in dollars and work around US assumptions.
If neither is quite right
If what you actually want is the retirement answer rather than a better dashboard, that is the gap Delphina was built for: UK pensions, ISAs and tax, projected to the age you want to stop. It does not do the job Emma does for people who want to see where their money went and cancel forgotten subscriptions, so if that is the real problem, Emma is still the better buy. Free plan is £0, no card.
Emma vs Moneyhub: common questions
You can, and some people do, because they solve different halves of the problem. It does mean paying for both, so add the two annual figures together before deciding.
Judge it on billing currency, Open Banking coverage and whether ISAs and pensions are handled. Check each one against those three points, because a tool that scores well elsewhere can still be a poor fit in the UK.
Emma suits people who want to see where their money went and cancel forgotten subscriptions. Moneyhub suits businesses buying open banking data infrastructure, rather than individuals looking for an app to use. The one that matches how you already think about money will take less setting up.
Delphina covers the gap both leave, which is UK pensions, ISAs and tax projected forward to retirement. The trade-off is that it does not do the job Emma does for people who want to see where their money went and cancel forgotten subscriptions, so if that is the real need, pick one of these two.