No Open Banking Required
Emma requires Open Banking access to your accounts before showing you anything. CheckSpent works from a simple statement export — upload your file and we detect everything. No banking credentials needed.
Emma requires connecting your bank via Open Banking before you can see anything. CheckSpent finds your hidden subscriptions from a simple file upload — no bank access, no account, one payment.
No account needed · No bank login · Results in minutes
Emma requires Open Banking access to your accounts before showing you anything. CheckSpent works from a simple statement export — upload your file and we detect everything. No banking credentials needed.
Emma's free tier only connects two bank accounts. CheckSpent analyses your full statement with no account limits — upload files from multiple banks and we combine everything into one report.
Emma's full features require a paid subscription. CheckSpent is a single one-time payment. You pay once, get your complete subscription report, and you're done.
Every claim below is sourced directly from Emma's official website.
| Feature | CheckSpent ✅ | Emma |
|---|---|---|
| Requires bank login | ✅ No — file upload only | ❌ Yes — Open Banking required |
| Requires account creation | ✅ No account needed | ❌ Account required |
| Free tier bank account limit | ✅ No limits | ❌ Max 2 accounts on free tier |
| Pricing model | ✅ One-time $7.95 AUD | ❌ Subscription required for full access |
| Data retained after analysis | ✅ No data stored | ❌ Transaction history stored |
| Works worldwide | ✅ Any country | ⚠️ Primarily UK and US |
| Cancellation guides included | ✅ Yes, step-by-step | ⚠️ Basic subscription tracking only |
| 1:1 savings session available | ✅ Yes ($395 AUD) | ❌ Not available |
Emma pricing and features verified from emma-app.com as of April 2026. Features may change — check their site for the latest.
Export your transactions as PDF, CSV, or screenshot from your bank's app. Any bank, any country.
Our AI scans your statement and identifies every recurring charge, including ones you've forgotten about.
Get a full report with cancellation guides, negotiation templates, and savings estimates. Keep what you want, cut the rest.
Emma is a solid app — but it needs access to your bank to work. If you'd rather not connect your accounts to a third-party service, CheckSpent gives you the same results from a simple file upload. No bank access. No ongoing connection. Ever.
Start Your Free Check📋 About the accuracy of this comparison
This page is provided for general informational purposes only. All information regarding third-party products and services, including Emma, is based on publicly available sources at the time of writing. We make no representations as to the accuracy, completeness, or currency of this information. Product features, pricing, and availability may change at any time without notice.
We are not affiliated with, endorsed by, or sponsored by Emma. All third-party trademarks and brand names are the property of their respective owners and are used here solely for identification and comparison purposes.
Before making any financial or purchasing decision, we strongly recommend that you visit the relevant provider's website directly to verify current terms, pricing, features, and availability in your jurisdiction.
No account. No Open Banking. Works with any UK bank. Results in minutes.
Upload your bank statement and get a detailed AI-powered report of every recurring charge you pay.
Most people find subscriptions they forgot about.
Get my subscription report →One-time payment · No subscription
For informational purposes only. Not financial advice.
18 proven email templates to cancel any subscription, negotiate lower rates, and get refunds — without calling anyone.
One email paid for itself. The other 17 are profit.
Get the templates →One-time payment · No subscription
For informational purposes only. Not financial advice.
One-time payment · No subscription · No login required
File never stored · No names or IDs retained · No deposits tracked