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# 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.