How are my investments protected?

Emma Invest is only available to UK-based customers.

Who holds my investments?

Your investments are held with Seccl Custody Ltd, our UK-based custodian. This allows you to buy and sell investments directly from the Emma app.
Seccl securely holds your investments and cash in segregated accounts, separate from Emma’s own funds.

How are UK investment firms regulated?

Seccl Custody Ltd is authorised and regulated by the Financial Conduct Authority (FCA).

The FCA is the UK’s financial regulator and ensures firms operate fairly, protect customer assets, and follow strict rules around safeguarding investments and client money.
As a regulated custodian, Seccl is responsible for holding your assets securely and processing investment transactions on your behalf.

What if something happens to Emma?

Your investments are held in custody by Seccl, not by Emma. They're kept in segregated accounts with Seccl, separate from Emma's own money.

What if something happens to Seccl?

Your investments are protected under strict UK custody and safeguarding rules.

In the unlikely event that Seccl were to fail, eligible customers may be protected by the Financial Services Compensation Scheme (FSCS).

The FSCS can compensate eligible investment claims up to £85,000 per person, per firm, subject to FSCS rules.

Remember, when investing, your capital is at risk. The value of your investments can go down as well as up.

Updated on: 27/10/2026

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