What is the Unsettled Cash balance in Emma?
The unsettled cash balance represents money transferred from Easy Access Pots that hasn’t settled yet. It takes 1 working day for Easy Access Pots and 2 for sell orders. You can re-invest this money before settlement or withdraw once it settles. Why is the money not settled right away? Easy Access Pots are not Instant Accounts and require one working day to withdraw funds if the instruction is sent past 10.30am. 45 Day Notice Pot withdrawals will take at least 45 days for the cash to settlPopularHow do I find my National Insurance Number (NIN)?
The easiest way to find your National Insurance Number is to first check your payslip or your P60 from your employer. If you don't have an employer or can't locate these documents, refer to documentation you've received from HM Revenue and Customs (HMRC) or by logging into your online personal tax account. Access your online personal tax account here. If you're still not able toPopularEmma KYC process
As a financial services provider, we are required to verify the identity of all of our customers. This process is known as Know Your Customer Checks. As part of this process, we may ask you for additional documents before you can start investing, or open Pots with Emma. We may ask you to provide us with two types of documents: a proof of your identity and a proof of your current address.Some readersIs there a fee to invest with Emma?
Emma Invest is free to access for all Free, Plus, Pro and Ultimate users 💪 The product uses a simple, tiered assets-under-management (AUM) fee, based on your plan: AUM fees Free – 0.60% Plus – 0.45% Pro – 0.20% Ultimate – 0.10% There are £0 trading fees on ETF and fund buys and sells. Any fund provider charges (TER) are built into the price of each ETF or fund.Few readersHow long does it take for my orders to settle?
Settlement times depend on the type of investment you trade. ETFs typically settle on the next working day at around 3pm. Funds can take between 1–3 working days to settle, depending on the fund provider.Few readersWhy has my application for Emma Save or Invest failed?
If your application has failed, this means there is an issue with the ID or proof of address document you’ve provided. Please first check your email inbox for an email from our KYC team with the subject starting “Action Required”. The team will contact you to explain why the document was rejected and what is required to resolve this. The most common reasons a document could be rejected inFew readersWe’re Moving Investments to Seccl – What’s Changing and Why
We’re transitioning our General investment account provider from Alpaca to Seccl, an FCA-authorised provider. Moving your account gives you: Stronger protection: Your assets are held with an FCA-regulated custodian under CASS safeguarding rules. Cash may be protected by the FSCS up to £120,000 if Seccl were to fail. A new investment universe: We’re updating what you can invest in. As part of this move, we’re transitioning from individual stocks to ETFs and investment funds, which offerFew readersWhat are fractional shares?
A share is a unit of a company stock. A fractional share is a smaller piece of one whole share of a company stock. Purchasing a fractional share means that instead of owning one full share of a company stock, you own a fraction of one 🥧 Purchasing fractional shares allows you to invest in companies, whose shares may otherwise be unobtainable due to high full share prices.Few readersHow do I sell shares?
To sell shares through Emma Invest, please follow these steps Go to the Invest tab Select the account you want to sell shares from Scroll down to your Investments Select the investment and tap on Sell The default sell option will be a market order Enter an amount then tap Review Order Review the order details and if everything is correct, tap on ConfirmFew readersWhat is the minimum investment buy or sell order amount?
The minimum buy order amount with Emma Invest is £1. There is no minimum amount when selling investments. You can sell any value of your holdings, up to the total amount you own. Orders are executed based on the market value of the investments at the time the order is placed.Few readersIs Emma Invest safe?
When you open an Emma Invest account, your investments are held with Seccl Custody Ltd, a trusted third-party custodian authorised and regulated by the Financial Conduct Authority (FCA). Seccl securely holds your investments and cash in segregated client accounts, which means they are kept separate from Emma’s own funds. This structure ensures that your assets remain protected and are not used for Emma’s business activities. In the unlikely event that Seccl were to fail, eligibleFew readersHow do I buy shares?
In order to buy shares through Emma Invest, you must first deposit funds into your account. Once you got funds in your account, please follow these steps: Go to the Invest tab Tap on the account you'd like to invest in Tap on the magnifying glass icon in the bottom right Search for the fund you want to buy shares in Tap on the fund and then Buy Enter an amount then tap Review Order Review the order details and if everything is correct, tap on ConfirmFew readersWhat are market orders?
A market order is an order to buy or sell a stock at the market's current best available price, but it does not guarantee a specified price.Few readersWhere can I get Emma Invest Statements?
To generate an investment statement, please follow these steps: Open the Emma app Select the "invest" Tab Tap on the account you want the statements for Tap the "Settings" icon in the top right corner Tap on "Valuation statement"Few readersHow are my investments protected?
What broker does Emma use? Your investments are held with Seccl Custody Ltd, our UK-based custodian. This allows you to buy and sell investments directly from the Emma app. Seccl securely holds your investments and cash in segregated accounts, separate from Emma’s own funds. How are UK investment firms regulated? Seccl Custody Ltd is authorised and regulated by the Financial Conduct Authority (FCA). The FCA is the UK’s financial regulator and ensures firms operate fairly, prFew readersCan I use Emma Invest as a US citizen?
If you are a US citizen or have dual citizenship with the US, it is not possible to open an Emma Invest account. This is due to the different tax rules and regulations imposed by the US government on its citizens. FACTA regulation requires companies to report information on when any sums are paid to or for a US person, regardless of where in the world that payment is made. We're unable to provide these reports or the tax information needed. Given the restrictions imposed by the US government,Few readersHow to deposit money into Emma Invest
Depositing money into Emma Invest is quick and simple. You can add funds in two ways, depending on what works best for you. Option 1: Open Banking top up (recommended) This is the fastest and easiest way to add money to Emma Invest. Choose Open Banking top up Select your bank and approve the payment Your money is added almost instantly We recommend this option if you want to start investing straight away. Option 2: Transfer from your Emma Wallet You can also moveFew readersHow to withdraw money from Emma Invest
Withdrawing money from Emma Invest is straightforward. How withdrawals work You can withdraw available funds from your investment account Once requested, withdrawals can take up to 3 working days to reach your bank Processing times may vary depending on banks and settlement periods If you have investments that are still being sold or settled, those funds will become available once the process is complete.Few readersStock and Share ISA
What is a Stocks and Shares ISA? A Stocks and Shares ISA (Individual Savings Account) is a tax-efficient wrapper that allows UK residents to invest in a range of assets — such as shares, bonds, and funds — without paying income tax on dividends, interest, or capital gains tax on any profits made within the account. Tax treatment depends on your individual circumstances and may change in future. Who is eligible to open a Stocks and Shares ISA? To open a Stocks and Shares ISA youFew readersSeccl Migration Guide
Follow this guide to move smoothly from Alpaca to Seccl.  1. Sell Your US Positions Open Emma → Invest → Your US portfolio. Tap a holding → Sell → select amount → Confirm. All FX fees will be waived between 26th of January and 27th of February Sale proceeds will appear in your Emma wallet after settlement (T+2 market days). If you don’t sell by 27th of February 2026, we’ll do this automatically and return the cash to you.Few readers