Basic
£0.00
/ mois
Connect 2 accounts, in-app payments, commission-free investing access, Autosave (£0.50 per autosave), round-ups
Connect 2 accounts
in-app payments
commission-free investing access
Autosave (£0.50 per autosave)
Billoff unlimited subscription: £0.79 promo for 48h, then £43.12 per month with no commitment
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We generate and send your cancellation letter to Emma by registered mail
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Preview of your letter
PreviewSender
Recipient
Emma
Crown Way
CF14 3UZ Cardiff United Kingdom
Digital registered letter with receipt of acceptance
Subject : Cancellation of Emma agreement
Dear Sir or Madam,
This letter constitutes formal notice that I wish to terminate the agreement relating to the Emma service.
This notice expresses a firm, clear, and unequivocal intention to cancel the agreement, effective at the earliest permissible date or in accordance with any applicable contractual notice period.
Please take all appropriate measures to:
– cease any billing from the effective cancellation date;
– confirm in writing that this request has been processed;
– and, where applicable, provide a final statement or confirmation of balance.
This cancellation is sent by certified electronic mail. Sending, timestamping, and content integrity are recorded, producing reliable electronic evidence. You therefore have everything needed to process this cancellation in line with rules on written notice and contractual freedom.
Under applicable personal data protection rules, I also request that you:
– delete any data not required for legal or accounting obligations;
– close any associated personal account;
– and confirm effective erasure where privacy rules apply.I retain a full copy of this notice along with proof of mailing.
Sincerely,
This letter constitutes formal notice that I wish to terminate the agreement relating to the Emma service.
This notice expresses a firm, clear, and unequivocal intention to cancel the agreement, effective at the earliest permissible date or in accordance with any applicable contractual notice period.
Please take all appropriate measures to:
– cease any billing from the effective cancellation date;
– confirm in writing that this request has been processed;
– and, where applicable, provide a final statement or confirmation of balance.
This cancellation is sent by certified electronic mail. Sending, timestamping, and content integrity are recorded, producing reliable electronic evidence. You therefore have everything needed to process this cancellation in line with rules on written notice and contractual freedom.
Under applicable personal data protection rules, I also request that you:
– delete any data not required for legal or accounting obligations;
– close any associated personal account;
– and confirm effective erasure where privacy rules apply.I retain a full copy of this notice along with proof of mailing.
Sincerely,
Signature
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Emma
Step-by-step 2026 UK guide to cancel Emma, request refunds, and protect your rights. Clear steps, timings and alternatives.
https://emma-app.com
Cardiff, United Kingdom
Professional Services
Cancellation at a glance
| Item | Value |
|---|---|
| Fastest method (name it + why) | In-app plan change - change to Basic in the Emma app because the app shows the plan management flow and switches your plan immediately in your account |
| Effective delay | Cancellation is effective at the end of your current billing period; if you cancel during a free trial you keep access until the trial ends |
| Notice period | No advance notice required - cancellation takes effect at the end of the active billing period |
| Cancellation fee (amount or 0) | £0 |
| Minimum commitment | No minimum commitment |
| Phone + hours | Not published by Emma |
| Postal address for registered letter | Emma, Crown Way, CF14 3UZ Cardiff, United Kingdom |
What is Emma
Overview
Emma is a personal finance app offering account aggregation, budgeting tools, automated saving, and subscription tracking plus paid subscription tiers called Emma Plus, Emma Pro and Emma Ultimate.
Core services
Emma provides account connections, in-app payments, Autosave, commission-free investing features and cashback deals. Emma offers a free Basic plan and three paid tiers: Plus, Pro and Ultimate.
Company facts
| Founders | Manuel Mueller, Dennis Schmoltzi |
| Founded | 2013 |
| Headquarters | Frankfurt am Main, Germany |
| Employees | ~1211 |
| CEO | Manuel Mueller |
| Parent company | Franz Haniel & Cie |
| Support email | [email protected] |
How to cancel Emma
| Method | Steps summary | Estimated time | Proof obtained | Difficulty |
|---|---|---|---|---|
| Web / In-app (iOS / Android) | Open app - Profile - Plan tile - Manage - Change Plan to Basic | 5 minutes | On-screen confirmation and email receipt if provided | Easy |
| Email [email protected] with your primary account email requesting account cancellation | 24-72 hours response | Email reply from support | Medium | |
| Post (registered letter) | Send registered letter to Emma, Crown Way, CF14 3UZ Cardiff, United Kingdom stating cancellation decision | Service + postal delivery time (up to 7 days) | Proof of posting and signed receipt | Hard |
| Phone | Not publicly published - use email or in-app instead | Not published by Emma | Not published by Emma | Hard |
Web / In-app cancellation
- Open the Emma app and go to the Feed (main dashboard).
- Select your profile in the top left corner.
- Tap the plan tile (for example, "Emma Pro").
- Tap Manage, then Change Plan, and select the Basic plan.
- Confirm the change. The app will show whether you are eligible for a refund as you cancel.
iOS / Android specifics
- If you subscribed via Apple App Store, cancel via your Apple subscriptions if required; Emma's in-app flow covers plan change but App Store subscriptions may require cancellation from Apple settings.
- If you subscribed via Google Play, cancel via Google Play subscriptions if applicable.
Email cancellation
- Send an email from the primary address on your Emma account to [email protected] with the subject "Cancel account".
- Include your full name, account email and a clear statement that you wish to cancel your subscription or delete your account.
- Keep the support reply as proof.
Post / Registered letter
- Write a clear cancellation statement with your account email, full name and request for confirmation.
- Send by registered post to Emma, Crown Way, CF14 3UZ Cardiff, United Kingdom.
- Keep proof of posting and the signed delivery receipt.
Phone method
- Emma does not publish a customer service phone number for general cancellations; the published channels are in-app and email.
- If you cannot use the app or email, use a registered letter to the Cardiff address above.
Cancel by reason
Moving abroad
If you are moving and need to cancel because a paid feature is no longer usable, send proof of relocation such as a utility bill or tenancy agreement showing the new address and your request to [email protected]. Applicable law: Consumer Contracts Regulations 2013 cooling-off rights for online contracts.
Price increase
If Emma raises the price of a paid subscription and you do not accept the new price you may terminate the contract. Provide the notice of objection in writing to [email protected]. Applicable law: Consumer Rights Act 2015 on unfair contract terms and the Digital Markets, Competition and Consumers Act 2024 guidance on changes to recurring payments - see legislation.gov.uk.
Death of the subscriber
To close an account after the subscriber dies, send a death certificate and proof of authority (executor or next of kin) by email to [email protected] or by post to Crown Way address. Applicable law: usual probate and account closure procedures; contact Emma with documents.
Legitimate ground (service fault)
If Emma fails to provide services with reasonable care and skill, state the faults and attach logs or screenshots. Required proof: screenshots, dates and transaction samples. Applicable law: Consumer Rights Act 2015.
End of commitment
When a paid billing period ends you may cancel at any time; the subscription will remain active until the end of the current billing period. Required proof: your account confirmation; no extra document required. Applicable law: contract terms and the Consumer Contracts Regulations 2013.
Cooling-off (14 day refund)
If you cancel within 14 days of a subscription payment you may request a refund. To request a refund send a cancellation and refund request to [email protected] within 14 days of the most recent payment. Required proof: payment date and account email. Applicable law: Consumer Contracts Regulations 2013 and Emma's refund page - see refund policy.
Negotiate or save
Before you cancel: negotiate
Emma's public materials do not list retention discounts or targeted downgrades. No retention offers are reported in the official support pages. To request a retention offer, contact [email protected] and ask whether a discount, a free month or an extended trial is available; include your account email and explain the reason to keep the service.
What cancelling saves you - yearly math
Calculate annual savings by cancelling a paid plan and moving to Basic.
Emma Plus: £4.99 x 12 = £59.88 per year.
Emma Pro: £9.99 x 12 = £119.88 per year.
Emma Ultimate: £14.99 x 12 = £179.88 per year.
Organisation starting price: £83.99 per user per year for Emma Ultimate for organisations.
Cheapest competitor (price comparison)
Competitor YourPCM costs £9.99 per month or £119.88 per year, which is more than Emma Plus (£59.88/year) but about equal to Emma Pro (£119.88/year). If your primary goal is to save money, cancelling Emma Pro saves £119.88 per year; cancelling Emma Plus saves £59.88 per year. Competitor prices used: YourPCM £9.99/month (£119.88/year), Omni CRM £99/month (£1188/year), sendee £80/month (£960/year).
Legal protections and escalation
Relevant UK law and regulators
Key laws: Consumer Contracts Regulations 2013 (14-day cooling-off and refunds), Consumer Rights Act 2015 (services performed with reasonable care and skill), and the Digital Markets, Competition and Consumers Act 2024 (see Section 264 for subscription protections). Regulators: Competition and Markets Authority (CMA) on auto-renewal fairness and the Financial Conduct Authority (FCA) for payment services.
Cooling-off and refunds
The Consumer Contracts Regulations 2013 give a 14-day cooling-off period for most online contracts with refund rights. Emma also states you can request a refund within 14 days of your most recent subscription payment - see Emma's refund page for process details.
Escalation steps
1) Complain to Emma via [email protected] or registered post to Crown Way, CF14 3UZ Cardiff. 2) If unresolved for a financial service complaint, escalate to the Financial Ombudsman Service. 3) Seek guidance from Citizens Advice. 4) For card payments, consider Section 75 or a bank chargeback for qualifying transactions.
Regulatory status
Emma Technologies LTD is registered with the FCA under the Payment Services Regulations 2017 and authorised for some investment and consumer credit activities as noted on official materials.
What to do after cancelling Emma
Access and features
After your subscription ends you lose premium features. Transactions assigned to custom categories revert to default categories, and Offline Accounts and their related transactions are removed if you were on Pro or Ultimate. Emma Save Pots switch to the Basic interest rate and Emma Invest switches to Basic plan rates and fees.
Data export and account deletion
To keep records, export your transaction history before cancellation by using in-app export tools or request data by emailing [email protected]. To request full account deletion, email [email protected] with "Delete my account" and the account email.
Final billing and refunds
If you request a refund within 14 days, refunds are sent to your original payment method and typically arrive within a few days but may take up to 10 working days depending on your bank. The app shows whether your purchase qualifies for a refund during cancellation - see Emma refund page.
How to reactivate
To resubscribe, open the Emma app, go to your profile and select a paid plan. Your account will be reactivated immediately on payment and the billing cycle restarts.
Next steps and practical checklist
Follow this checklist to cancel cleanly and protect your rights.
- Open the Emma app and change your plan to Basic to stop auto-renewal.
- If eligible, request a refund within 14 days of the last payment by emailing [email protected].
- Export transaction history and save receipts before cancelling.
- If you prefer paper, send a registered letter to Emma, Crown Way, CF14 3UZ Cardiff, United Kingdom and keep the receipt.
- Keep the support email confirmation as proof of cancellation.
- Check linked bank/credit card to confirm no further charges after the billing period ends.
- If a refund is refused and you believe the law supports you, contact the Financial Ombudsman Service or Citizens Advice.
Plans
Plus
£4.99
/ mois
Connect 4 accounts, monthly budgets, cashback, turbo updates, priority support, Experian rent reporting, bill reminders
Connect 4 accounts
monthly budgets
cashback
turbo updates
Pro
£9.99
/ mois
Unlimited accounts, custom categories, offline accounts, smart rules, Experian/Equifax/Transunion rent reporting
Unlimited accounts
custom categories
offline accounts
smart rules
Ultimate
£14.99
/ mois
All Pro features plus advanced priority support and full credit report integrations
All Pro features plus advanced priority support and full credit report integrations
No commitment. Billoff helps you cancel or adjust your Emma subscription without hunting down every detail alone.
Pros & cons
Pros
Free Basic plan with core features at £0.00
Clear in-app flow to change plan and stop auto-renewal
Refund window of 14 days for most recent subscription payment
Cons
No publicly published phone number for direct cancellations
Targeted retention discounts are not published on official pages
Certain features and offline accounts are removed on downgrade from paid plans
Competitors & alternatives
Below are common alternatives people compare for this type of subscription.
YourPCM
£9.99
/ mois
CRM focused on contact management and lead discovery for UK small businesses
Omni CRM
£99
/ mois
All-in-one marketing, sales, invoicing and booking platform
sendee
£80
/ mois
Sales-led email platform with integrated CRM
Countries where Emma is available
Emma is available in many countries. Here are several frequently cited markets:
United Kingdom
Subscription & cancellation
What you should know about Emma subscription and cancellation terms:
Subscription type
Automatic monthly or yearly renewal. Billing is handled by the primary account or the signup platform.
Renewal
Renewal runs automatically at the end of each billing period while the subscription stays active.
Cancellation
Cancel from account settings or the app store used at signup. Access usually continues until the paid period ends.
Refunds
Refunds depend on billing date, country, and payment channel.
Family plan
The family plan admin can add or remove members per the service’s household and age rules.
Commitment
Plan changes and cancellations follow the provider’s terms and local law.
Billoff simplifies cancellation: we handle the cancellation process for your Emma subscription, whichever payment method you use.
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