Accounts
Bank account transaction data not refreshing or syncing
If your accounts still aren't updating after you've tried an on-demand sync, the bank connection usually needs to be renewed. Check your Feed first If a bank connection needs attention, you'll see an Action required card on your Feed (main dashboard). Tap it and follow the on-screen prompts to renew the connection. How do I renew a bank connection? If there's no card on your Feed, you can renew thFeaturedHow do joint bank accounts work in Emma?
When you connect a joint account to Emma, all transactions made by both account holders will be included in your budgeting and analytics. Joint account providers do not share information about which cardholder made each transaction. This means we’re unable to filter or separate spending between account holders. What if I don’t want joint spending to affect my main budget? If you’d like to connect a joint account but keep it separate from your main budgeting and analytics, you can use the [Some readersWhat is my Argos Username?
To connect your Argos Credit Card to Emma, you’ll need your Argos username. This is the login ID you created when registering your card online through the Argos Card Services portal, which is run by NewDay. I’ve forgotten my username To recover it: Visit the Argos Card Services website Select Forgotten username Follow the steps to recover your details using your card and personal information Once you recover your username, return toFew readersHow do I track my Net Worth?
This is an Emma Pro and Emma Ultimate feature 🐻 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?
Emma Wallet was only available to UK-based customers. Emma Wallet was a feature that let customers add money before depositing it into Emma Pots or Investment accounts. It closed on 30 September 2026 and is no longer available. What happened to my Emma Wallet balance? Any balance left in your Emma Wallet when it closed was returned automatically to your funding account, also known as your withdrawal account. Balances in Instant Access Pots were returned in the same way. You didn't neFew readersWhat is a bank connection?
A bank connection (previously called a bank login) is created when you connect a bank or provider to Emma. One connection can include several accounts from the same bank, such as your current account, savings account and credit card, and it still counts as one connection. The number of bank connections you can have depends on your plan. See How many bank connections can I have on my plan? How do I see mFew readersAdding your Revolut Business account
This is an Emma Ultimate feature 🚀 When adding your Revolut Business account, Emma may first redirect you to the personal Revolut app, which will then redirect you to the Revolut Business app. If you do not have a personal Revolut account and only use Revolut Business, this can cause the connection process to get stuck. If you only have a Revolut Business account Please make sure the personal Revolut app is not instaFew 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 cog in the top right-hand corner of the Account screen Tap *Few readersCan I add multiple Starling accounts to Emma?
Adding multiple Starling accounts to Emma If you have more than one Starling account, such as a Personal, Joint, or Business account, you may only see one Starling account when you first connect Starling to Emma. This happens because of how Starling handles account connections inside the Starling app. To add another Starling account to Emma, you need to create a separate Starling connection for each account. Before you start, open the Starling app and make sure you aFew 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: Basic - 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. Instead,Few readersCSV Imports
This Feature is only available to Emma Pro and Emma Ultimate Users What is this feature? CSV Imports let you create or update an offline account by uploading a CSV file. It’s useful if: Your bank isn’t currently supported You want to track cash transactions You’d like to import historical data from an old account What does my CSV file need toFew readersCan I link both UK and US banks?
Yes, you can! To do this, our Support Team will temporarily switch your app to the relevant country so you can add the bank accounts. Once this is done, we’ll switch you back again. Please reach out to us via chat in the app, and we’ll get this sorted for you. 🇬🇧🇺🇸Few readersWhat should I add to my Net Worth?
This is an Emma Pro and Emma Ultimate feature 🐻 In Emma, you can track a range of accounts or assets to get an overview of your total Net Worth. If the accounts can't 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 Real estateFew readersWhat are inactive bank logins?
An inactive bank login is a connected bank that no longer syncs or displays historical data in Emma. Bank logins become inactive when you choose not to include them within your plan’s account allowance. If you’re on Emma Pro or Emma Ultimate, you should not see inactive bank logins, as these plans support unlimited bank connections.Few readersWhat happens when I get a new card?
It depends on the type of new card you’ve received. I’ve replaced a lost, stolen, or expired card You do not need to add a new bank login. Your bank account details remain the same; only the physical card has changed. There’s nothing you need to update in Emma. I’ve opened a new account with a bank I already use If you’ve opened a new account with a bank that is already linked to Emma, you’ll need to renew your bank connection. Click [here](https://help.emma-app.com/en/article/renewFew readersCan I add my PayPal pay in 3 or PayPal credit account to Emma?
You can currently only link your PayPal account with Emma. We are unable to connect a PayPal credit or PayPal-pay-in-3 account.Few readersAdd a bank account
To add a new account to Emma, follow these steps: Open the app and go to the Feed (main dashboard). Tap + Add at the bottom of your account balances Select what type of account you'd like to add (Personal / Business / Offline Account / Property) Locate your account provider and follow the onscreen instructions to connect 🚀 Useful Guides: 💡 If you are connecting a bank account in the UK, find the [list of banks we support here](/en/article/what-banks-do-you-PopularDelete/disconnect a bank account
If you want to delete only one account but have other accounts with the same bank you still want to see, hide the account instead. If you'd like to delete your bank account from the app, follow these steps: Deleting a bank account Go to the Feed (main dashboard). Select your profile in the top left corner. Tap the settings icon (cog wheel) in the top right corner. Tap on Account. SelSome readersWhat is an on-demand sync?
This is an Emma Pro and Ultimate feature 🐻 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: Go to Feed tab Locate and select the account you'd like to rename in either the Everyday or Savings sections Select the cog in the top right-hand corner of the Account screen Select Rename Enter a new account name and press Save If you are having problems renaming your account, feel free to contact us via our live chat, and a member of the team will be happy to help you out! 🐻Few 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 cog in the top right-hand corner of the Account screen Click Hide UnhidingFew readersChange an account type
Change an account type To change the category of one of your accounts: Go to the Feed tab Select the account you want to update from the Everyday or Savings section at the top Tap the cog in the top right corner Select Change account type Choose the new account category Your account will then move to the selected category.Few 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 tab Select thFew readersI want to add my business account
This is an Emma Ultimate feature 🚀 To add a business account to Emma, follow these steps: Adding a business account Go to the Feed tab Underneath Net Worth, select the + Add button Select* *Business Select your banking provider Tap Continue Please click here to see the business accounts we support. If we don't support yoFew readers
Troubleshooting
Why does Barclays show a OBA19 or OBA28 error?
After registering for Barclays Mobile Banking, some features are only available once you’ve been using the app for at least 10 days. If you try to connect your accounts to Emma using Open Banking within those 10 days, you may see an OBA19 or OBA28 error code. If you switch to a new phone, the 10-day waiting period will apply again before you can use Open Banking features.Some readersTroubleshooting Bank Connection Issues in Open Banking
Some Halifax customers have had their accounts moved to Lloyds. If you are experiencing issues, please see My Halifax account has moved to Lloyds. Some banks, such as Chase UK, can only be connected via app-to-app authentication and will not connect through their website. If you’re having trouble connecting to your bank, try the steps below. Open Banking connections can be affected by browser settings,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 countries 🌎 When you first download Emma, you might 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 which country's banks you need to see, and we'll get that sorted for you! Please note that we’re unable to sFew 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
Renewing bank access every 90 days only applies to UK bank connections. Under Open Banking rules, you need to confirm every 90 days that you're happy for Emma to keep accessing your bank data. Each time you renew, the 90-day period restarts. How do I renew before my access ends? About 10 days before your access ends, the app shows a Keep sharing your data screen listing your banks and how many days each has left. Review the banks listed. Tap Confirm. You don't need toFew readersMy account balance is wrong
If your balance doesn’t look right, follow the steps below 👇 1. Manually sync your accounts (UK only) This is an Emma Pro and Ultimate feature 🐻 If you're in the UK, start by manually syncing your accounts. Tap the refresh icon under your Current, Savings, or Net Worth figures at the top of the Feed tab. If you're in the US or Canada, your accounts sync automatically in the background, so you can skip this step. 2. Check your bank connection If syncing doesn’t update your balancFew 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’re having trouble connecting your bank in the app, first check that your online banking is working correctly. Try logging in through your bank’s website (not the mobile app). If you can log in successfully there, return to Emma and try connecting again. Avoid making multiple attempts in a row, as this may cause your bank to temporarily block access. If it still doesn’t work after two attempts, please wait a short while before trying again.Some readersI can't find my bank
To use Emma, you’ll need to connect a current, savings or credit card account first. If your bank isn’t supported yet, you won’t be able to connect it to the app. 😭 If you can’t see your bank listed, you can request it in the Emma Community: UK thread Canada thread US thread Our team regularly rSome readers
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 includPopularGive 30 days trial, get £15/£30/£50 Referral Program T&Cs
You and the person you have referred must be residents in UK For your referral to be valid and to show on your account, the following conditions must be met a. Your referral must have downloaded Emma using your unique Emma referral link on mobile b. Your referral must have connected a checking/current account or credit card (PayPal or other digital wallets are not valid) c. Your referral must have started a free trial on any of our premium plans to receive the benefit of an extended tPopularHow many bank connections can I have on my plan?
The number of bank connections (previously called bank logins) that can sync in Emma depends on your plan: Basic: 2 Plus: 4 Pro: unlimited Ultimate: unlimited What happens if I have more connections than my plan allows? If you have more bank connections than your plan allows, for example after a downgrade, the app asks you to select the ones you want to keep syncing. The rest move to Inactive. Inactive connections stop syncing, and their transactions and balSome readersHow to delete an Offline Account in Emma?
To delete an Offline Account, follow these steps: Go to the Feed (main dashboard). Locate the Offline Account under Everyday, Savings, Investments or Net Worth. Tap on the Offline Account you want to delete. Tap the settings icon (cog wheel) in the top right corner. Select Delete this account. This will permanently delete the account and all its related transactions, and it can't be recovered.Few 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 readersExclude Categories
What is Category Exclusion? This new feature allows you to exclude an entire category (like "Transfers," "Investments," or "Savings") from your budgeting and analytical tools. Previously, you had to manually exclude transactions one by one. Now, by excluding the whole category, you can ensure that large groups of transactions that aren't true spending are automatically removed from your budget calculations, giving you a much clearer picture of your actual monthly expenditure. Why wFew readersCurrent Account Switch
Why should I switch my current account? Earn better interest rates on your balance Reduce monthly fees and overdraft charges Access improved digital banking features Get cashback, rewards, or switching bonuses Enjoy better customer service How does Emma help me find a better account? Emma presents offers from different banks for you to choose from. You can find current account switching offers: Go to the Save tab Select Opportunities What should I consider whenFew readersWhy does my business account show 'Upgrade'?
Business Account connection is available on Emma Ultimate 🐻 If you're seeing an 'Upgrade' prompt on your custom categories, this is likely because you've downgraded your plan intentionally or unintentionally. Connecting business accounts is only available on Emma Ultimate. To regain access, you'll just need to upgrade back to Ultimate.Few readersHow do I add another account from a bank I've already linked?
To add another account from a bank you've already linked, renew that bank's existing connection and select every account you want when your bank redirects you. Follow these steps in the app: Open the app and go to the Feed (main dashboard). Tap the settings icon (cog wheel) next to the + Add button to open Manage connections. Tap the bank you want to add more accounts from. Tap Renew connection. Tap Continue. You'll be redirected to your bank's appFew readers