United Kingdom · Payments & e-money
Emma Technologies LTD.
Trading asEmma
Emma Technologies Ltd is a private limited company incorporated in England and Wales in 2017, with its head office in London. The FCA registers it as an account information service provider (FRN 794952) and authorises it for investment services and consumer credit activities (FRN 1042167). Companies House records no person with significant control over the firm. Its Emma app offers account aggregation, budgeting, savings and investing to consumers, with e-money wallet services provided by The Currency Cloud Limited.
Licences and registrations
Held by Emma Technologies LTD. (LEI 984500C2AFC706755D90). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| FCA Financial Services Register - Payment Institutions & RAISPsFCA | Registered Account Information Service ProviderAccount Information Service Provider | 794952 | United Kingdom | Active | 2018-01-13 | — |
|
Search the register ↗ |
Trading names on the register: Emma (FCA-PSD)
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Venture-backed
Firm type
Open banking
Trades as Emma
- Ownership
- Companies House records no person with significant control, and the firm names Kima Ventures, Aglaé Ventures, Connect Ventures and more than 5,000 crowdfunding investors as its investors.
- Head office
- Verse Building, 1st Floor, 18 Brunswick Place, N1 6DZ London, United Kingdom
- Company register
- Companies House 10578464
- Incorporated
- 23 Jan 2017
- Founders
- Edoardo Moreni · Antonio Marino
- Former name
- KIRIA LABS LTD.
Online
- Websites & references
- emma-app.com ↗
help.emma-app.com ↗ help centre
web.emma-app.com ↗ web app sign-in
community.emma-app.com ↗ user community forum - Official social accounts
- X ↗ · Facebook ↗ · Instagram ↗ · TikTok ↗
Sources · 13 pages consulted
- find-and-update.company-information.service.gov.uk/company/10578464
- find-and-update.company-information.service.gov.uk/company/10578464/officers
- find-and-update.company-information.service.gov.uk/company/10578464/persons-with-significant-control
- emma-app.com
- emma-app.com/about-us
- help.emma-app.com/en/article/how-is-my-money-protected-safeguarded-1och16s/
- help.emma-app.com/en/article/safeguarding-funds-ob77yc/
- help.emma-app.com/en/article/which-countries-is-emma-available-in-1x4q2og/
- storage.googleapis.com/emma-app.com/legal/Emma%20Invest%20Terms.pdf
- emma-app.com/features/invest
- emma-app.com/features/invest-crypto
- emma-app.com/blog/emma-receives-fca-approval
- fintechgrowthinsider.com/p/edoardo-moreni-emma
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Several models
- Licensed firm it operates under
- The Currency Cloud Limited, United Kingdom Provides the payment and e-money services (non-MiFID products) offered in the Emma app, including the Emma Wallet
The FCA registers the firm as an account information service provider under the Payment Services Regulations 2017. The FCA also authorises it for investment services and consumer credit activities, including credit broking and credit information services. Its e-money wallet is provided by The Currency Cloud Limited, which the FCA authorises as an electronic money institution (FRN 900199).
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority (FCA) United Kingdom | Registered Account Information Service Provider (Payment Services Regulations 2017) | 794952 | In its own name | Active | — |
| Financial Conduct Authority (FCA) United Kingdom | Authorised firm: investment services and consumer credit activities, including credit broking and credit information services | 1042167 | In its own name | Active | — |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe firm states that money in the Emma Wallet is e-money held by its electronic money institution provider in a segregated safeguarding bank account, while money in Easy Access and 45 Day Notice Pots is held with a UK bank and covered by the FSCS.
- Safeguarding bank · Partner
- The Currency Cloud Limited United Kingdom
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
The Emma app aggregates bank, card, investment and crypto-asset accounts through open banking for budgeting and tracking. In the UK it also offers an e-money wallet, savings Pots, execution-only investing and credit broking.
According to its help centre, the app is live in the UK, the US and Canada; its wallet, savings and investment products are described for UK customers.
- Sells to
- Consumers
- Serves customers in 3 countries
- United Kingdom · United States · Canada
- Latest funding round
- crowdfunding · GBP 3.1m
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Edoardo Moreni Co-founder and CEO; Director
- Founder
- Antonio Marino Co-founder and CTO; Director
Recent events
Researched 29 Sep 2026 · Sources
The research found no fines, investigations, security incidents, licence changes or corporate events from the last three years.
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
- Licence no. · FCA-PSD
- 794952
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate on the UK company number the register gives
- Elucidate firm ID
- 8acd633b7749
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Small-firm registrationRegistered under a lighter regime for small or exempt firms, e.g. a small payment institution or an account-information service provider.
- Main licence class
- Account Information Service Provider
- Activities
- Account information
- Licensed in
- United Kingdom · Europe & Central Asia
- First registered
- 2018-01-13
- Website
- emma-app.com ↗
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Address on the register
- 1st Floor, Verse Building, 18 Brunswick Place, London, N1 6DZ
- Country
- United Kingdom
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in two address lines
<FinInstnId>
<LEI>984500C2AFC706755D90</LEI>
<Nm>EMMA TECHNOLOGIES LTD.</Nm>
<PstlAdr>
<PstCd>N1 6DZ</PstCd>
<TwnNm>London</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>1st Floor, Verse Building</AdrLine>
<AdrLine>18 Brunswick Place</AdrLine>
</PstlAdr>
</FinInstnId>CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Register for this page
- FCA Financial Services Register - Payment Institutions & RAISPs—Financial Conduct Authority (FCA) · source ↗ as at 25 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
Assess the financial crime risk behind a licence
A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
Book a demo