Emma App
Emma is a financial app that connects all your bank accounts, credit cards, and investments in one place using open banking. It gives you a clear view of your money across everything, so you’re not logging into multiple apps to understand where you stand.
As well as tracking spending and setting budgets, you can earn cashback when shopping, access savings pots paying up to 3.72% AER, and invest in US stocks commission-free — all from one app.
It’s particularly useful if you want a clearer picture of your overall finances without spreadsheets or switching between multiple banking apps.
Best for: Sole traders who want to track spending, grow savings, and earn cashback — all in one place.
The deal: Free to download — earn cashback on everyday shopping and access savings pots from day one.
Savings rates may vary. Capital at risk on investments. FSCS protected on eligible deposits.