1. Accounts
You can connect all your bank accounts in a single place in Emma. In Emma, you can add the following accounts: cards, savings, current accounts, pensions, and even cryptocurrencies. There is no hassle in tracking your accounts since you can access these in real-time from anywhere.
Emma supports banking service providers in the United States, United Kingdom, and Canada. You do not need to have other applications since you can access all the financial details in your accounts at any time.
Banking Service Providers Supported:
- Yorkshire Bank
- Virgin Money Savings
- Virgin Money Investments
- Virgin Money Credit Cards
- Vanquis
- Ulster Bank
- TransferWise
- Tesco Bank
- TSB Bank
- Starling Bank
- Santander
- Royal Bank of Scotland
- Revolut
- PayPal
- Natwest
- Nationwide Building Society
- Monzo
- Marks & Spencer
- MBNA
- Lloyds Bank
- Halifax
- HSBC Bank
- First Direct
- Danske Bank
- Chip
- Capital One
- Barclays Bank / Barclaycard
- Bank of Scotland
- American Express
Investment Accounts Supported:
Crypto Exchanges Supported:
- Kraken
- Coinbase
- Bittrex
- Bitstamp
- Bitfinex
- Binance
You can also have an idea of how your balance will grow over time by checking your accounts’ latest transactions and creating manual accounts allotted for cash expenses or providers uncovered by Emma.
2. Subscriptions
You can find and track your paid subscriptions in Emma. You may also cancel subscriptions you think you no longer need, and decide not to push through with them. This is one way of fixing money leaks. There is an analysis for your transactions in Emma, giving you a complete list of your accounts’ recurring payments. This helps you keep track of them easily.
You need to have your bank accounts linked to receive your list of active subscriptions. Emma helps you in knowing how much you pay for each of your subscriptions. You can also check your transactions history for the providers of your subscription to identify changes in pricing. Most significantly, this will help in spotting wasteful payments, which helps in cleaning your finances.
3. Synchronization
Your expenses and cash inflows are automatically and accurately categorized and tracked by Emma in all of your accounts. Your financial behaviors will have advanced insights. You can also analyze your spending habits through individual merchants and categories to determine your progress and identify areas that need improvement.
Emma helps decipher your budget performance since it provides you smart budgeting and actionable insights. After signing up with Emma, set your budget, and it will automatically sync in your pay period. Emma instantly notifies you when you spend an item in your budget, and congratulates you each time you make a sound spending.
4. Protection, Security, and Encryption
In Emma, you can guarantee protection for all your accounts. Emma’s top priority is protecting your data. Modern security measures help in managing your information. A TLS 256-bit encryption protects the connections of banks, devices, and servers.
Statements requested from financial institutions are secured at bank level and with read-only access. There is no storing of login credentials in the servers and no access to making changes to all of your accounts.
Emma recognizes the sensitivity of your data; hence, you will have peace of mind knowing that these data are not rented or sold. Lastly, Emma is registered with the Financial Conduct Authority (FCA) registered and Information Commissioners Office (ICO).
