Following your feedback, we’ve redesigned how you view all connected accounts - from daily spending to investments - with a cleaner look and smarter controls. Now managing money is effortless.

1. Fresh Account Views: Current & Credit Card Accounts

Track banks (like Monzo), credit cards (including Amex), PayPal and investments in one place, each with its own smart dashboard:

• Emma Pay: One-tap payments with scan-to-pay (no typing details). The Emma app facilitates payments and transfers by using the Open Banking system.
• True Balance: See actually spendable money (minus pending transactions). This feature shows you how much you'd have left over in an account after recurring/subscription payments are taken.

2. Offline Assets Made Simple

• Track property, vehicles, valuables
• Improved dashboard shows exactly how they impact your net worth

Your bank balance doesn’t tell your full financial story. That’s why Emma lets you track offline assets—physical valuables that boost your true net worth.

What Counts as an Offline Asset?

🏠 Property:

• Your home’s current market value
• Rental properties
• Vacation homes

🚗 Vehicles:

• Cars, motorbikes
• Boats, caravans

💎 Valuables:

• Jewelry, watches
• Art, antiques
• Collectibles (e.g., trading cards, luxury bags)

Why You’ll Love It

• No more overdraft surprises (True Balance shows real available cash)
• Payments in seconds (Scan bills/QR codes with Emma Pay)
• Net worth that tells the full story (Not just digital balances)

"I avoided 3 overdraft fees last month thanks to True Balance!" – Liam, Emma user