What type of accounts are supported by Open Banking?

What type of accounts are supported by Open Banking?

Open Banking allows you to securely connect certain types of financial accounts to Emma. However, it mainly supports payment accounts, which means not all accounts can be connected.

Supported accounts

Open Banking is designed for payment accounts, which typically include:

• Current accounts

Your main bank account used for spending, transfers, and receiving income.

• Some savings accounts

Only if they are classified as payment accounts by your bank (i.e. you can send and receive payments).

• Credit cards

To track spending, balances, and repayments.

Not supported

The following accounts are generally not supported by Open Banking:

• ISAs (including Stocks & Shares ISAs and Cash ISAs)
• Investment accounts and portfolios
• Pensions (including SIPPs)
• Accounts that don’t support payments
• Accounts from providers without Open Banking APIs

Why ISAs are not included

Open Banking only applies to payment accounts, meaning accounts that allow you to make and receive payments.

Most ISAs and investment accounts are not classified as payment accounts, so banks do not make them available through Open Banking.

Are there exceptions?

In some cases, certain providers may offer limited access to additional account types, but this is not standard and depends on the provider.

Is it safe?

Yes. Open Banking is regulated by the FCA and uses secure authentication provided by your bank. Emma never has access to your login details.

Updated on: 27/03/2026