Investing with Emma

Grow your money with Emma Invest. Open an investment account, fund your account in seconds, and build your portfolio with expertly managed funds and themed investment options.

Start small, stay flexible, and manage everything in one app.

Capital at risk.

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Why invest?
The key difference between saving and investing is time and growth potential.
While keeping your money in a savings account offers stability, investing gives your money more opportunity to grow, even accounting for market ups and downs.
The cash line reflects the return of a cash ISA earning interest in line with the Bank of England Base Rate, with interest credited monthly.
The cash line reflects the return of a cash ISA earning interest in line with the Bank of England Base Rate, with interest credited monthly.
The investment line shows the performance of an investment ISA holding the Vanguard S&P 500 UCITS ETF (VUAG), an accumulating fund that tracks the S&P 500 index, with the ETF’s ongoing charges deducted from returns.
The comparison is presented in pounds sterling and reflects the historical performance of each option over this period.
Data sources: Vanguard and the Bank of England.
Past performance is not a reliable guide to future returns. The value of your investments can go down as well as up, and you may get back less than you put in.
Performance of £10,000 invested on 1 November 2020
Returns are shown in pounds sterling (GBP). Because VUAG invests in US equities, changes in exchange rates may affect the value of your investment. Tax treatment depends on your personal circumstances and may change in future. This information is for illustrative and educational purposes only and does not constitute personal investment advice or a recommendation to buy or sell any investment. If you are unsure, seek regulated financial advice.

Emma investing accounts

Open an investment account in minutes and get started with just £1. Capital at risk.
General investment account
Invest flexibly in a wide range of ETFs with no contribution limits. Add or withdraw money whenever you like.
COMING SOON
Stocks & shares ISA
Make the most of your £20,000 annual ISA allowance. Invest tax-efficiently and keep more of your potential returns.
COMING SOON
Personal pension
Bring your old pensions together and earn tax relief on contributions. Invest for the long term and take control of your retirement savings.
Explore funds and ETFs across global markets
Choose from ready-made portfolios created by investment professionals, explore themed funds, or diversify with ETFs covering the UK, US, Europe and emerging markets.
We offer a curated selection from leading providers including Fidelity, HSBC, Vanguard, Legal & General, VanEck, BlackRock and iShares.
Capital at risk.
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FSCS protection
The total amount of all of your investment accounts are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000.
FSCS protection doesn’t cover losses incurred through investment performance or if you get back less than you originally invested.
SECCL custody
Emma works with SECCL to safeguard your investments.
Seccl Custody Limited is authorised and regulated by the Financial Conduct Authority and is wholly owned by Octopus Group.

Investing with tracker funds

Tracker funds, also known as index or passive funds, follow the performance of a market index, such as the FTSE 100.They offer a simple way to gain exposure to a wide range of global markets and companies at a lower cost than investing in individual shares.With tracker funds, you can follow the performance of global and emerging markets, or invest in line with your values through ESG-focused funds.

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Investing with tracker funds

Tracker funds, also known as index or passive funds, follow the performance of a market index, such as the FTSE 100.

They offer a simple way to gain exposure to a wide range of global markets and companies at a lower cost than investing in individual shares.

With tracker funds, you can follow the performance of global and emerging markets, or invest in line with your values through ESG-focused funds.

Get started
Get started

Explore themed funds

Choose from a range of themed funds that track specific sectors or investment themes — such as technology, healthcare, sustainability, commodities and more.Each fund focuses on a particular area of the market, allowing you to invest in sectors that interest you or align with your preferences.Themed funds can be more concentrated and may be more volatile than broader market funds. Make sure you understand the risks before investing.

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Explore themed funds

Choose from a range of themed funds that track specific sectors or investment themes — such as technology, healthcare, sustainability, commodities and more.

Each fund focuses on a particular area of the market, allowing you to invest in sectors that interest you or align with your preferences.

Themed funds can be more concentrated and may be more volatile than broader market funds. Make sure you understand the risks before investing.

Get started
Get started

Diversify with geographic funds

Invest in funds that focus on different parts of the world to spread risk and capture global opportunities.Choose from a range of geographic funds that cover regions such as the UK, US, Europe, Asia, and emerging markets.By investing across countries and regions, you can build a balanced portfolio that’s not tied to one economy.

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Diversify with geographic funds

Invest in funds that focus on different parts of the world to spread risk and capture global opportunities.

Choose from a range of geographic funds that cover regions such as the UK, US, Europe, Asia, and emerging markets.

By investing across countries and regions, you can build a balanced portfolio that’s not tied to one economy.

Get started
Get started

Earn 3.00% interest on your cash

Make every penny work harder. With Emma, your uninvested cash doesn’t just sit idle, it earns 3.00% AER while you decide where to invest.

You can withdraw anytime, or move your money into funds whenever you’re ready.

Start earning interest
General investment account fees
Our fees are simple and transparent. Your plan determines your annual AUM fee – everything else is free.
Plan
Emma Ultimate
Emma Pro
Emma Plus
Emma Basic
AUM fee
0.10%
0.20%
0.45%
0.60%
£0 trading charges (no fees on ETFs or fund buys/sells), fund provider charges (TER) are included in each ETF/fund’s price.
No hidden fees. Capital at risk.
Join thousands of people investing with Emma
Frequently asked questions
What can I invest in with Emma?
A curated range of 25+ globally diversified ETFs and funds designed for long-term investing.
Who holds my investments and money?
Your investments and client money are held by Seccl Technology, an FCA-regulated custodian, and are kept separate from Emma’s own funds.
Are my investments protected?
Investments can go down as well as up. If Seccl were to fail, eligible customers may be protected by the FSCS up to £120,000. Capital at risk.
Does Emma give financial advice?
No. This is an execution-only service. Emma does not provide personal investment advice or recommendations.
What fees do I pay?
Your annual platform fee depends on your Emma plan:

Emma Ultimate: 0.10% AUM
Emma Pro: 0.20% AUM
Emma Plus: 0.45% AUM
Emma Basic: 0.60% AUM

There are £0 trading charges on ETF or fund buys and sells.
Each ETF or fund also has its own ongoing fund charge (TER), which is included in the fund’s price.
Capital at risk.
How do I start investing?
Open an investment account, add money to your Emma Wallet, then transfer funds into your investment account.
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