2,000,000+

Happy customers in UK, USA & Canada.

20k+
Reviews
Trusted by thousands, rated by real users.
20k+
Reviews
4M+
Downloads
Join millions already managing their money with Emma.
4M+
Downloads
4.7/5
Stars on App Store
Highly rated, loved by users.
4.7/5
Stars on App Store
10,000+
Banks supported
If it’s yours, Emma can track it.
10,000+
Banks supported
3.98%
AER on your savings
Competitive returns, FSCS-protected.
3.98%
AER on your savings
2,000+
International stocks
Invest globally, trade with confidence.
2,000+
International stocks
20k+
Reviews
Trusted by thousands, rated by real users.
4M+
Downloads
Join millions already managing their money with Emma.
4.7/5
Stars on App Store
Highly rated, loved by users.
10,000+
Bak supported
If it’s yours, Emma can track it.
3.98%
AER on your savings
Competitive returns, FSCS-protected.
2,00+
International stocks
Invest globally, trade with confidence.
20k+
Reviews
Trusted by thousands, rated by real users.
4M+
Downloads
Join millions already managing their money with Emma.
4.7/5
Stars on App Store
Highly rated, loved by users.
10,000+
Bak supported
If it’s yours, Emma can track it.
3.98%
AER on your savings
Competitive returns, FSCS-protected.
2,00+
International stocks
Invest globally, trade with confidence.
Awarded as:
Trusted by Industry Leaders, Loved by Users. Recognised as one of the best budgeting apps on iOS and Google Play.
“It’s a really clever tool for organizing your money, allowing you to manage it more efficiently and to ultimately save more.”
Charlie Barton
Global Growth Manager
Customer success stories
Emma helped me save up for my first solo trip
I managed to travel to Spain, to Andalusia, and that’s where my life changed. I fell in love with travelling. This trip definitely made me realize I didn’t want to live in Scotland any more, I wanted to travel. I’m currently using Emma to help me save up for a big trip around Asia.
Emily, 24 years old
Customer success stories
Emma has been amazing for helping me save
Saving for a house deposit is not easy. One of the hardest parts of saving money has definitely been how daunting the overall deposit amount can seem. The temptation to use the money elsewhere is strong too.
Archie, 32 years old

Security & support you can trust

Sign up
Your money is protected
Emma is FCA-regulated and powered by open banking with rigorously tested security. You control data access, can revoke consent anytime, and never need to share sensitive security details.
Data privacy
Your privacy is protected by data laws, ensuring only the minimum data necessary is shared through a secure digital process. Emma will never share your information without your consent.
Tech that keeps you safe
With 256-bit TLS encryption and biometric login, your data stays secure. Authenticate easily using a password, PIN, fingerprint or face ID along with a mobile code or card reader.
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See what others say
Frequently asked questions
Is Emma App free?
Yes! Emma is free to use 😁 You'll only be charged if you subscribe to Emma Ultimate, Emma Pro or Emma Plus - you are not subscribed to Emma Ultimate, Pro or Plus automatically.
How does Emma App make money?
Emma offers upgrades called Emma Ultimate, Pro or Plus, which you can purchase inside of the app. We also make money from users who Invest or Save with Emma and affiliate partners.

If you are interested in learning more about Emma Ultimate, Pro or Plus, please visit the link below:

What is Emma Ultimate? 👑
What is Emma Pro? 🚀
What is Emma Plus?
Can I still use the Emma App if I don't have a bank account?
In order to use Emma, you will need to connect a current, savings or credit card account first. If your bank is not supported by Emma, you will not be able to use the app.

If you would like to know the banks we currently support in the UK, please visit:
What providers does Emma App support?

You can also follow us on X, Instagram or Facebook for updates!
How is my money protected / safeguarded?
The Emma app can help across different areas of your personal finances. You can use Emma to set more money aside, budget your spending and savings or manage your investments. Each of these offerings represents different financial products, and each of them comes with specific regulations designed to help if something goes wrong.

Learn more about how safe Emma is and how your money is protected
What platforms and devices do you support?
You can use Emma on:
- Android
- iPhone
- iPad
- Web - this is currently in Beta and only available to premium customers
Learn more
Join 2,000,000+
Happy customers in UK, USA & Canada.
Join 2 million happy customers
We are on a mission to improve everyone's financial wellbeing.