Accounts
Bank account transaction data not refreshing or syncing
If your account is still not refreshing after you've followed these steps, you can get to the bottom of the issue by following the steps below 🔨 UK 🇬🇧 First, check your Feed tab for any error messages, since they may offer helpful tips. If you're not seeing any error messages at all, try the following steps: On your Feed tab, tap your profile in the top left, then select Account Under Bank Logins, findFeaturedHow do joint bank accounts work in Emma?
When you connect a joint account to Emma all transactions from both of the cardholders will be included in your budgeting and analytics. Unfortunately, the joint account providers do not include any data for us to establish what transaction was made by each of the cardholders so we cannot filter the spending on the joint account. If you want to have your joint account connected in Emma, but don't want to have all the transactions impacting your budget and analytics, we suggest you use the SpFew readersWhat is a bank login?
When you add a bank account or institution in Emma a connection is created called a bank login. The number of bank logins you can have will depend on your subscription tier: Free - 2 Plus - 4 Pro - Unlimited Ultimate - Unlimited Each bank login could contain multiple accounts from the bank, for example, your current account, savings account and credit card account, but this is still considered as one bank login. To see all your bank logins in Emma, please follow these steps: TapFew readersHow do I track my Net Worth?
In Emma, you can track a range of accounts or assets to get an overview of your total Net Worth. Adding to your Net Worth To add accounts or assets to your Net Worth, please follow these steps: Go to the Feed tab and tap on Net Worth Tap Add account or the add option under each account/asset type Select Offline account if you are unable to connect the type of account/asset in Emma Select the type of accountFew readersWhat is the Emma Wallet?
When you deposit funds into Emma, they will be stored in your Emma Wallet. The funds in your Emma Wallet can be used to purchase stocks in Emma Invest or you can move the funds to a Savings Pot in Emma Save! When you sell any investments or withdraw from a Savings Pot, the funds will be sent back to your Emma Wallet.Few readersHow do I mark a bank account as closed?
If you have an account in Emma that is now closed, but you want to keep your transaction data, you can mark it as closed. The account will remain connected and you will not be asked to renew the connection when it expires. Closing an account Go to Feed tab Locate and select the account you'd like to hide in either Everyday, Savings or Investments sections at the top of the Feed tab Select the three dots in the top right-hand corner of the Account screen 4Few readersWhy are bank logins limited in Emma?
In order to maintain a single bank login, it costs us around £/$0.30 per month. This fee is fixed for each individual bank login you want to add. For this reason, in order to maintain a free version of Emma, we have reduced the number of bank logins you can link for free. The current tiers are: Free - 2 Plus - 4 Pro - Unlimited Ultimate - Unlimited Please note at Emma, we take your privacy very seriously and will never share your data with third parties to make money. InsteaFew readersWhat are inactive bank logins?
An inactive bank login doesn't sync or display any historical data in Emma. Bank logins are moved to an inactive state when you decide not to include them as part of your plan allowance. Customers on Pro and Ultimate shouldn't have any inactive bank logins since their plans support unlimted.Few readersAdding your Revolut Business account
When adding your Revolut Business account, Emma will first take you to the personal Revolut app which will then redirect you to the Revolut Business app. If you don't have a personal Revolut account, but you do have a business account, you can get stuck here. If you just have a Revolut Business account Please ensure that you don't have the Revolut personal app downloaded when trFew readersWhat happens when I get a new card?
I have a new card, replacing a lost/stolen/expired card You don't need to add a new bank login when you get a new card for an account that you already have linked in Emma. The bank account details remain the same, it is just the payment card that has changed, so you don't need to add anything new to your Emma app. I have a new card for a new account with my current bank If you open a new account with a bank you already have linked to Emma, please follow these steps to renew your aFew readersCan I add two Starling accounts to Emma?
If you have a personal Starling bank account and a joint and/ or business account, you might find that when you first connect Starling to Emma you can only select one account. This is because of how Starling has set up their app. To add another Starling account, please follow the instructions below. 👋 Before you start on Emma, please ensure that you're already viewing the Starling account you want to link on the Starling app Go to the Feed tab i.e Emma's home page Tap Add accouFew readersCan I link both UK and US banks?
Yes you can! Our support team will need to switch your app over to the different country to add the bank accounts, then switch you back again. Please reach out to us via chat and the team will get this sorted for you 🇬🇧🇺🇸Few readersWhat should I add to my Net Worth?
In Emma, you can track a range of accounts or assets to get an overview of your total Net Worth. If the accounts aren't able to be linked via Open Banking, like a savings account or a mortgage, you can add the account as an Offline Account Assets you can add: Current accounts Savings accounts/ cash ISAs Investment accounts/ stocks & shares ISAs Pensions RFew readersAdd a bank account
Adding a bank account To add an account to Emma, follow these steps: Go to the Feed tab i.e Emma's home page Tap Add account at the bottom of your account balances Select what type of account you'd like to add (Personal / Business / Offline Account) Locate your account provider and follow the onscreen instructions to connect 🚀PopularDelete/ disconnect a bank account
If you'd like to delete your bank account from Emma, follow these steps: Deleting a bank account Select your Emma Profile icon in the top left corner of the Feed tab Select Account Select Bank Logins Find the account you'd like to delete, and select DeleSome readersWhat is an on-demand sync?
Emma will regularly sync your bank accounts throughout the day, but you can sync your accounts on-demand if you want to update the information shown in Emma sooner. To perform an on-demand sync of your accounts, there are two ways to do this: Pull the page down on the Feed tab to sync your accounts, or Tap on the Sync Button below your account balances 🔄 If you sync your account and you're still missing some of your data, follow theseFew readersRename an account
If you would like to rename an account, please follow the instructions below: Renaming an account Go to Feed tab Locate and select the account you'd like to rename in either Current or Savings sections at the top of the Feed tab Select the three dots in the top right-hand corner of the Account screen Click on Rename Enter new account name and press Save If you are having problems renaming your account, feel free to contact us via our live chat aFew readersHide or unhide an account
If you have an account in Emma that you don't want to be included in your analytics, mark it as hidden. While it will remain connected, all transactions on this account will be hidden in Emma App. Hiding an account Go to Feed tab Locate and select the account you'd like to hide in either Everyday, Savings or Investments sections at the top of the Feed tab Select the three dots in the top right-hand corner of the Account screen Click HideFew readersChange an account type
If you would like to change your account type, please follow the instructions below: Changing account type Go to Feed tab Locate and select the account you'd like to change in either Current or Savings sections at the top of the Feed tab Select the three dots in the top right-hand corner of the Account screen Click on Change Type Select new account category Your account will now be moved into the correct category. If you are having problems changinFew readersTracking your overdraft
You can let Emma know if you've set up an overdraft with your bank, and to specify your overdraft amount. Once that's done, Emma will alert you if you go into your overdraft so that you can take action 💪 If you would like to set up or change your overdraft limit, please follow the instructions below: Tracking an overdraft Go to Feed tab Locate and select the account you'd like to track an overdraft for in Current or Savings sections at the top of the Feed tabFew readersI want to add my business account
To add a business account to Emma, follow these steps: Adding a business account Go to the Feed tab Underneath Net Worth, select the + Ad button Select *Business Select your banking provider Tap Continue Please click here to see the business accounts we support. If we don't support your iFew readers
Troubleshooting
Why does Barclays show a OBA19 or OBA28 error?
After registering for Barclays Mobile Banking, some features are only accessible to users who have been using the app for at least 10 days. If you try to use certain features like connecting your accounts to Emma via Open Banking within those 10 days, you'll receive an error code (OBA19 or OBA28). Additionally, if you switch to a different phone, you'll need to wait another 10 days before being able to access the Open Banking features.Some readersI can see the wrong country's banks (UK/US/Canada)
Emma is currently available in the UK, US, and Canada. This means you can connect to banks from all three of these countries 🌎 You might find that, when you first download Emma, you see banks for the wrong country. This usually happens if you have a VPN or ad blocker installed on your phone (or you're away from home ✈️). Please get in touch via chat to let our team know what country's banks you need to see, and we'll get that sorted for you!Few readersWhy can't I link my Revolut account?
Currently, Emma only supports Revolut accounts that have been opened in the UK. If your Revolut account was opened in a different country, you won't be able to link it to Emma at this time. We are continually working to expand support to accounts opened in other countries. Stay tuned for updates! If you have a UK-based Revolut account and are still facing difficulties, please contact our support team, and we'll be happy to assist you further.Few readersRenew my 90 day bank access 🇬🇧
Our connection to your bank through the Open Banking system only lasts 90 days before access must be renewed. Under Open Banking regulations, every 90 days you need to reconnect to your bank accounts to Emma. It's to make sure you're still happy to use the service. Renewing access to your account restarts the 90 day period. Your 90 day period can be restarted at any time. My 90 day access has ended Select LetFew readersMy account balance is wrong
Your account balance not looking right? Follow the steps below to solve it 👇 1. Manually sync your accounts If you're in the UK, the first step is to manually sync all your accounts. Do this by selecting the refresh icon 🔄 under your Current, Savings and Net Worth figures at the top of Feed tab If you're in the US & Canada, your accounts will sync automatically in the background, so you can skip this step! 2. ChecFew readersWhy can't I see UK banks? 🇬🇧
If you're not able to see UK banks when setting up your account, it's likely Emma thinks you're out of the UK and will automatically show you US banks. This usually happens if you have a VPN or ad blocker installed on your phone (or you're in the US 😛). To see UK banks, send us a message via the support chat and our uber friendly team can get you switched back to the UK 🇬🇧🇺🇸🐻Few readersI can't connect my bank
If you are having issues connecting to your bank, the best way to check if everything is working correctly is to try to login via your online banking (via your bank's website, not their mobile app). After you have logged in to your online banking successfully, try again to login to Emma. Do not make multiple attempts in a row otherwise your bank might block the account temporarily. If you see that after two attempts nothing works, send us a message via chat - we'll be able to diagnose the issPopularI can't find my bank
In order to use Emma, you will need to connect a current, savings or credit card account first. Unfortunately, if your bank is not supported by Emma, you will not be able to use the app 😭 If your bank is not an option to add, suggest an integration over at the Emma Community below: UK thread Canada thread US thread (https://community.emma-app.com/t/most-wanted-inPopular
Why do I need to connect a bank account to Emma?
Emma helps you with your finances by connecting directly to your bank account. It is not possible to use Emma without connecting to at least one account. Without connecting to your bank account, you'd need to do things manually which is something we wanted to avoid when we built Emma! By connecting your accounts, we can automatically import new transactions and account balances keeping your budget up-to-date. Connecting your bank account in Emma does not give us the ability to charge thatPopularHow to delete an Offline Account in Emma?
To delete an Offline Account, please follow these steps: Go to the Feed tab in the Emma app Locate the Offline Account in Everyday, Savings, Investments or Net Worth. Tap on the Offline Account that you want to delete Tap on the Three dots in the top right Select Delete this accountFew readersDoes Emma update my bank accounts in real time?
Emma does not reflect your bank account in real-time and transactions will not appear immediately in Emma. The Open Banking system limits us to a maximum of 4 automatic syncs to maintain the system's stability. Emma is designed to work alongside your banks as a financial tool to help you with budgeting and money management. It is not intended to sync in real-time and is instead best utilised to check your accounts at regular intervals. Your account will be synced on a regular basis and the frFew readersCan I add two Wise accounts to Emma
If you have a personal Wise bank account and a joint and/ or business account, you might find that when you first connect Wise to Emma you can only select one account. This is because of how Wise has set up their app. To add another Wise account, please follow the instructions below. 👋 Before you start on Emma, please ensure that you're already viewing the Wise account you want to link on the Wise app Go to the Feed tab i.e Emma's home page Tap Add account at the bottom of yoFew readers