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Mobile banking app screen showing current account balance of £2,192.50, search bar, contacts with photos labeled Invite, Charlotte, Harry, and options to make a bank transfer or scan QR code. Below, a list titled Friends you owe shows Thomas owing £300, Charlotte £32, and Jack £32, with small profile pictures and brief descriptions.

Faster payments

Quickly move money between multiple banks, split purchases or top up your investment account in seconds.

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Faster payments

Quickly move money between multiple banks, split purchases or top up your investment account in seconds.

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Get started

Send payment reminders

Chat, send, and receive money in one place. Easily remind friends to pay their bills or share of the rent with one simple tap.

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Send payment reminders

Chat, send, and receive money in one place. Easily remind friends to pay their bills or share of the rent with one simple tap.

Get started
Get started

Track shared spending with Emma groups

Split payments for everything from your rent to meals out and track your balances between your housemates, friends and family.

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Track shared spending with Emma groups

Split payments for everything from your rent to meals out and track your balances between your housemates, friends and family.

Learn more
Learn more
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© 2026 Emma Technologies Ltd. All Rights Reserved.

Emma is registered and incorporated in England and Wales.

Emma Technologies Ltd (Company Registration Number 10578464). Registered office: Verse Building, 1st Floor, 18 Brunswick Place, London, N1 6DZ, United Kingdom.

Emma Technologies Ltd is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 (FRN 794952). Emma Technologies Ltd is authorised and regulated by the Financial Conduct Authority (FRN 1042167) for investment services and consumer credit activities, including credit broking and credit information services. Emma Technologies Ltd acts as a credit broker, not a lender, and may receive a commission from lenders for introducing you to them.

Data Protection Registration Number: ZA241546.

All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.

Resources: Cancel subscriptions, Cashback offers, Who charged me, Rent Reporting, Budgeting, Emma vs Moneyhub.

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