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Compare Emma plans
Find the perfect plan for you.
Free
Plus
Pro
Ultimate
Connect your bank accounts securely to see all your finances in one place. Emma uses Open Banking to provide real-time updates, with read-only access and bank-level encryption.
Bank logins
2
4
Unlimited
Unlimited
Move money between your linked accounts in just a few taps. Emma uses Open Banking payments to let you transfer funds securely and instantly—no need to switch apps or re-enter details.
Bank transfers
Up to £500 monthly
4
Up to £3000 monthly
Unlimited
Create custom spaces to organise your money the way you want. Whether you're saving for a goal or tracking spending across accounts, Spaces help you stay in control of your finances.
Spaces
Earn money when you shop with our partner brands. Just activate an offer in the app, complete your purchase, and we’ll track the cashback automatically—no codes, no fuss.
Cashback
Set monthly budgets, track your spending by category, and spot trends over time.
Budgeting & enhanced tracking
Get faster responses and dedicated help from our support team. With priority support, your queries go straight to the top of the queue.
Priority support
Build your credit history by reporting your rent payments to major credit agencies. Simply link your rent, and Emma will handle the rest—no paperwork required.
Rent reporting
Experian
TransUnion, Experian & Equifax
TransUnion, Experian & Equifax
Stay protected with real-time alerts for unusual or suspicious activity across your accounts. Emma helps you spot potential fraud early—so you can act fast.
Fraud detection
Three times the protection of a traditional bank savings account, up to £255,000.
Super Pot
2.47% AER
2.88% AER
3.74% AER
4.01% AER
Same-day withdrawals Mon-Fri, before 10am, 1 working day after. FSCS. protected
Easy Access Pot
2.44% AER
2.85% AER
3.71% AER
3.98% AER
Earn higher interest by locking your funds for longer. FSCS protected.
45-day Notice Pot
3.30% AER
4.45% AER
4.45% AER
4.45% AER
A small fee applies when using Emma’s Autosave feature to move money into savings pots. This helps cover the cost of processing secure Open Banking payments.
Autosave fee
£0.50
£0.50
Free
Free
When you buy or sell investments in a different currency, a small foreign exchange fee applies. This covers the cost of converting your money at competitive rates.
FX fees on trades
0.99%
0.45%
0.20%
0.12%
Access the full range of U.S. stocks available in Emma. With a premium plan, explore thousands of companies and invest without limitations.
Our complete stock universe
Get a real-time view of your total financial position. Emma calculates your net worth by combining your assets and liabilities across all linked accounts.
Net worth
Access Emma from your desktop or laptop with our full-featured web app. Manage your finances, track spending, and review insights—all from a bigger screen.
Emma for Web
