How safe is Emma App?

Security is at the core of what we do 🚀

Open Banking

In the UK, we use the Open Banking system to connect to your accounts. The Open Banking was introduced by the UK government to provide a safe and secure way to connect your accounts with third-parties without having to share your log in details with us.

Learn more about the Open Banking system here.

Bank Grade Encryption

Emma uses several state-of-the-art security measures, including the same end-to-end 256-bit TLS encryption used by all major banks.

FCA Authorised and Regulated

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.

Payment and e-money services (Non MIFID related products) are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: 1 Sheldon Square, London, W2 6TT, United Kingdom. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199).

ICO Registered

We are also registered with the ICO. This is our Data Protection Registration Number: ZA241546.

World Class Team

Our team is formed by industry veterans in finance and technology who have built security systems for companies such as Google, CERN and Monzo. We know what it takes to build a solid infrastructure whose goal is to only protect our users' interests.

Updated on: 05/03/2026