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ULTIMATE

The plan for entrepreneurs, families and those who want to take it to the next level.

Get started

Spaces

Separate your business or joint account spending from your personal one in two taps and give access to whoever you want.

Add a space
Current space
Accounts in the space

Business accounts

All your business accounts finally in one place.

Business accounts in the Emma app

Unlimited bank transfers

Move money across multiple banks without any limits.

Transfer
From Starling
To Lloyds

Lower AUM fee when investing

Invest as little as £1 in the ETFs and funds you love. Capital at risk.

Emma Basic fee
Emma Plus fee
Emma Pro fee
Emma Ultimate fee

Earn 3.70% AER on your savings

Interest paid monthly. FSCS protection up to £360,000 across three banks (up to £120,000 per bank).

House savings pot
Rainy day savings pot

Share Emma Ultimate

Add up to 4 extra people to your Ultimate plan for £5.99/months each, giving them full access to all features.

Ultimate plan members

NordVPN, included

Protect your data and browse securely at no extra cost.

NordVPN
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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.