At this point in time, Emma either uses TrueLayer or Saltedge to help you to securely connect your bank account. We also use some APIs that have been directly provided to us by banks.

Although we are registered with Open Banking and are in their directory:, we haven't currently adopted it.

We think this is a great initiative, but at this point in time, we don't see the value for our users. The protocol is still in its early days and adopting it now would cause issues and problems, which we are not able to manage.

Does this mean Emma is not safe?

No, the systems we currently use haven't had a single incident since they were born more than 15 years ago. We are all world class developers and security is our first priority. The adoption of Open Banking doesn't increase or decrease the level of security we currently have.

Does this mean you violate my bank's terms and conditions?

No, this industry has been regulated and anyone who wants to access your bank account and display banking information needs to be registered with the Financial Conduct Authority. This means, for the first time, the consumer is fully protected. In other words, the law is stating that sharing banking credentials is totally fine and we can all do it.

For more, check out the official page of the FCA and our entry in the register.

FCA page: (
FCA register: (
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