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Join more than 1.6 million users across UK, US and Canada
Take back
control of your money
Download Emma to build your credit, save more and spend less with the
all-in-one financial membership.
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Track your finances & budget
Powerful tools to analyse your bank accounts and cut your spending, effortlessly.
Learn about budgeting
Investing for Everyone
Invest as little as £1 in the companies you love.
Capital at risk, other charges apply.
Explore Emma Invest
Pay anyone,
instantly
Send and request money by sending payment links or flashing QR codes.
Explore easy payments
Track your finances & budget
The easiest way to invest, pay, save and spend your money.
Learn about budgeting
Investing for Everyone
Invest as little as £1 in the companies you love.
Capital at risk, other charges apply.
Explore Emma Invest
Pay anyone, instantly
Send and request money by sending payment links or flashing QR codes.
Explore easy payments
gje2403, 28/01/2020
Great for budgeting and
now also investing
I am using the app since about 3 or 4 years and do all my costs and spent categorisation in it. Recently they added investing and I bought a few Tesla stocks and could easily do it and also immediately withdraw unused money back to my bank account. 10/10 recommend it, especially for budgeting
mccollal, 20/11/2021
Such a friend/companion
This app is amazing. I love how secure it is - the app asks you to reconfirm your bank accounts by authenticating yourself every few months or so. It brings together so many features and functionality that have assisted me in my quest to becoming financially literate and responsible. Thank you Emma for you do look out for me and mine.
Djnxhsbdhxhxbd, 02/07/2021
Life changer
Before I downloaded Emma I was regularly going overdrawn but with Emma I’ve been able to keep an eye on my finances really easily and at a glance can see when I need to tighten my belt. I particularly like the feature that tells me what I’m committed to spending that month and so I now how much money I have left to spend. It’s made a huge difference to my finances and I’m starting to save money instead of going over! 😊
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Join the millions of people on Emma and live a better financial life
Free
Connect all your accounts in one place, budget, track wasteful subscriptions and get more from your everyday bank account.
Plus
Get exclusive cashback deals, set bill reminders and always know how much money you have left at the end of the month.
Pro
Budget like a pro with custom categories and offline accounts. Set smart rules and accurately track your net worth over time.
Ultimate
Connect business accounts and use Spaces to manage your personal, business and joint accounts.
End-to-end security
Get peace of mind with our strong security systems and trusted partners
Your money is protected
Emma reads your data via Open Banking and doesn't have any permissions to move, transfer or charge your accounts.
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We never share your data with any other parties without your consent.
Tech that keeps you safe
We support face & fingerprint ID and use 256-bit TLS encryption.
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