• What is the Unsettled Cash balance in Emma?

  | Emma Save and Invest is only available to UK-based customers. 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 NoticePopular

• How 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 tPopular

• Emma KYC process

  | Emma Save and Invest is only available to UK-based customers. 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 (KYC) 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: proof of your identity and proof of your current address. ||| To avoid delays in prSome readers

• Is there a fee to invest with Emma?

  | Emma Invest is only available to UK-based customers. 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. ||| Don't forget that when invFew readers

• We’re Moving Investments to Seccl – What’s Changing and Why

  | Emma Invest is only available to UK-based customers. 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 indiFew readers

• How long does it take for my orders to settle?

  | Emma Invest is only available to UK-based customers. 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 readers

• Why has my application for Emma Save or Invest failed?

  || Please check your emails including junk or spam folders for an email from kyc-operations@emma-app.com | Emma Save and Invest is only available to UK-based customers. If your application has failed, this is usually due to an issue with the ID or proof of address document you provided. Please check your email inbox, including your junk or spam folder, for a message from our KYC team with the subject line starting "Action Required". The team will explain why your document was rejected and whaFew readers

• What are fractional shares?

  | Emma Invest is only available to UK-based customers. 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. || As with any investment, please be aware that your capital is atFew readers

• How do I sell shares?

  | Emma Invest is only available to UK-based customers. 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 coFew readers

• What is the minimum investment buy or sell order amount?

  | Emma Invest is only available to UK-based customers. 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 readers

• Is Emma Invest safe?

  | Emma Invest is only available to UK-based customers. 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.Few readers

• How do I buy shares?

  | Emma Invest is only available to UK-based customers. 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 deFew readers

• What are market orders?

  | Emma Invest is only available to UK-based customers. 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. ||| Please always keep in mind with investments, your capital is at risk.Few readers

• Where can I get Emma Invest Statements?

  | Emma Invest is only available to UK-based customers. 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 readers

• How are my investments protected?

  | Emma Invest is only available to UK-based customers. 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 fFew readers

• Can I use Emma Invest as a US citizen?

  | Emma Invest is only available to UK-based customers. 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 needeFew readers

• Stocks and Shares ISA

  | Emma Invest is only available to UK-based customers. 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 the future. Who is eligible to open aFew readers

• How to withdraw money from Emma Invest

  | Emma Invest is only available to UK-based customers. 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 readers

• How to deposit money into Emma Invest

  | Emma Invest is only available to UK-based customers. Depositing money into Emma Invest is quick and simple. You can add funds with a one-off Open Banking transfer, or automate your deposits with Autoinvest. Open Banking Transfer This is the fastest and easiest way to add money to Emma Invest. Open the app. Tap the Invest tab. Tap the account you'd like to deposit into — your Stocks and Shares ISA or GIA. Tap Deposit. Select Open Banking transfer frFew readers

• Seccl Migration Guide

  | Emma Invest is only available to UK-based customers. 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 toFew readers

• How do I transfer my investment account to another provider?

  | Emma Invest is only available to UK-based customers. If you’d like to transfer your General Investment Account (GIA) or Stocks & Shares ISA to another provider, you’ll need to contact your new provider to start the transfer process. When requesting the transfer, please ask your new provider to transfer your account from Seccl, which is Emma’s investment partner - not from Emma directly. To request a transfer, you’ll need to provide your new provider with your GIA or ISA account number,Few readers

• Junior Stocks and Shares ISA (JISA)

  | Emma Invest is only available to UK-based customers. Junior Stocks and Shares ISA What is a Junior Stocks and Shares ISA? A Junior Stocks and Shares ISA (JISA) is a tax-free investment account that a parent or legal guardian can open on behalf of a child under 18 in the UK. It lets you invest in a range of funds, shares, and bonds, with returns — including capital gains and dividends — free from UK tax. Who can open a Junior Stocks and Shares ISA? Only a parFew readers

• Transfer a Stocks and Shares ISA

  | Emma Invest is only available to UK-based customers. You can now transfer an existing Stocks & Shares ISA directly into Emma — keeping everything in one place so you can see your full financial picture at a glance. How do I transfer my Stocks and Shares ISA to Emma? To transfer an existing Stocks and Shares ISA to Emma: Open the Emma app Go to the Invest section via the bottom navigation bar Select Stocks & Shares ISA Tap Transfer an ISA Follow the on-screen sFew readers

• What is Emma Autoinvest?

  | Emma Invest is only available to UK-based customers. Emma's Autoinvest feature lets you automate deposits into your chosen funds each month. You set the amount to be collected monthly and decide how it's allocated across your chosen funds. Autoinvest is set up per investment account, so you can have a separate Autoinvest for your Stocks and Shares ISA and your GIA. Each one works independently — they have their own amount and fund allocation. These deposits are processed via Direct Debit usFew readers

• Which investment accounts can I transfer into Emma Invest?

  | Emma Invest is only available to UK-based customers. What investment accounts can I transfer into Emma? You can transfer: Stocks and Shares ISA Junior Stocks and Shares ISA (JISA) Unfortunately, we do not support transfers in from: General Investment Account (GIA) Self-Invested Personal Pension (SIPP) Cash ISA Lifetime ISA (LISA) ||| If we add support for further account types in the future, we'll let you know. What if I have an account that can't be transferreFew readers