How do I settle payments in a Group?

When everyone has added their payments to a Group, Emma works out the simplest way to pay each other back, using as few payments as possible.

How do I settle up?

1. Go to the Feed (main dashboard), scroll to Groups and select your Group.
2. Tap Settle up.
3. Emma shows who owes whom, and how much.
4. Choose how to settle:
5. • Pay debt: pay what you owe from the app by Open Banking. Follow the on-screen prompts to complete the payment.
   • Send reminder: remind the person who owes you.
   • Choose from your transactions: pick a payment you've already made from your connected account to mark the debt as settled.
   • Record offline transaction: record a payment made outside Emma, such as cash.

How does Emma work out who pays whom?

Emma matches the person who owes the most with the person who's owed the most, settles as much as possible between them, and repeats until everyone is even.

Updated on: 27/10/2026