Smart Rules

Smart Rules keep your offline accounts up to date automatically. When a payment from one of your connected accounts matches a rule, Emma adds it to the offline account you've chosen and updates that account's balance.

For example, if you transfer £20 every month from your current account to a savings account that isn't connected to Emma, a Smart Rule can add each £20 transfer to the offline savings account for you.

How do I set up a Smart Rule?

1. Go to the Feed (main dashboard).
2. Select your profile in the top left corner.
3. Tap the settings icon (cog wheel) in the top right corner.
4. Tap Account.
5. Tap Smart Rules.
6. Tap Set a new rule.
7. Name the rule.
8. Select the connected account the payment comes from.
9. Enter the payment's reference, then pick the payment from the matching transactions.
10. Check the filters under the reference. You can leave them as they are or change them:
11. • Transaction type: set to two-way transactions by default.
    • Period: set to any day of the month by default.
    • Minimum value and maximum value: optional.
11. Choose the offline account the payment should be added to.
12. Review the rule and tap Save.

To find a payment's reference, open a recent payment from your Feed and scroll to the bottom of the transaction screen. This is the name your bank sends to Emma.

How do I edit, pause or delete a Smart Rule?

1. Open Smart Rules and tap See details on the rule.
2. Tap the three dots in the top right corner.
3. Choose an option:
4. • Edit rule to make changes.
   • Deactivate rule to pause it. You can reactivate it at any time.
   • Delete rule to remove it. This can't be undone, but transactions the rule has already added will stay in your offline account.

Do Smart Rules apply to past transactions?

No. Smart Rules only apply to new transactions after the rule is set up.

Updated on: 27/10/2026