Why do I need to connect a bank account to Emma?

Emma connects directly to your bank to import your transactions and balances automatically, keeping your budget up to date and showing recurring payments and subscriptions you might have lost track of. That's why you'll need at least one linked account to get started — it's designed to work this way, rather than through manual entry.

The connection is read-only. Emma can see your transactions and balances to show you what's happening, but it can't move your money or charge you — and that includes your Emma subscription.

Is it safe to connect my bank account to Emma?

Yes. Emma uses Open Banking, the government-backed system that lets FCA-authorised providers access UK bank data securely, without you sharing your login details. Emma Technologies Ltd is authorised and regulated by the Financial Conduct Authority.

Your connection stays under your control:

• Access is read-only, so funds can't be transferred or charged.
• Your bank login details are never shared with or stored by Emma.
• Consent lasts 90 days, after which the connection ends automatically. You can also disconnect a linked account yourself at any time.

Updated on: 01/09/2026