The short version
Snoop is better at surfacing bill savings and switching prompts; Emma is better at categorisation, subscriptions and net worth. Both are spend-side tools that stop well short of pensions and long-term planning.
Why people compare them
The two most-downloaded UK Open Banking money apps, both free at entry level.
Price and fit, side by side
| Feature | Emma | Snoop |
|---|---|---|
| Cheapest paid plan | EmmaFree tier, then £4.99 per month | SnoopFree tier, then £5.99 per month |
| Free tier | EmmaYes | SnoopYes |
| Billed in pounds | EmmaYes | SnoopYes |
| Best for | EmmaPeople who want to see where their money went and cancel forgotten subscriptions | SnoopPeople who want their bills and subscriptions watched for them without paying anything |
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 Snoop wins
- A genuinely useful free tier: account linking, spending tracking, budgets, credit score and bill switching
- The savings suggestions are the point of the product, not an upsell, and they are specific to your actual spending
- Built for the UK on Open Banking, so it never asks for your bank login credentials
Where both fall short
- Neither models UK pensions or answers the retirement question directly.
- Neither handles ISA allowances or the tax wrapper decisions around them.
- 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 Snoop: common questions
Emma is £4.99 per month and Snoop is £5.99 per month. Compare the billing period before the number: an annual price and a monthly price are not the same thing.
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. Snoop suits people who want their bills and subscriptions watched for them without paying anything. The one that matches how you already think about money will take less setting up.
Emma scores 3.5/5 on Trustpilot from 543 reviews. Snoop scores 4.6/5 on Apple App Store (GB) from 7,111 ratings. Weigh the volume as well as the score.
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.