--- title: "Emma Technologies LTD. · Registered Account Information Service Provider (FCA) · United Kingdom | Elucidate" description: "Emma Technologies LTD. is registered with FCA as a registered account information service provider in the United Kingdom. Licence 794952. LEI 984500C2AFC706755D90. Register status, licences, activities and ownership." url: https://elucidate.co/directory/emma-technologies-ltd-8acd633b7749 --- 1. [Directory](https://elucidate.co/directory) 2. [United Kingdom](https://elucidate.co/directory/country/gb) 3. Emma Technologies LTD. United Kingdom · Payments & e-money # Emma Technologies LTD. Trading as Emma 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. Register status Registered in the United Kingdom (small-firm regime) Registered Account Information Service Provider · FCA Small-firm registration [1 licence or registration ↓](https://elucidate.co/directory/emma-technologies-ltd-8acd633b7749#licences) BIC **No BIC** LEI **[984500C2AFC706755D90](https://search.gleif.org/#/record/984500C2AFC706755D90)** [Licence no. **794952**](https://elucidate.co/directory/emma-technologies-ltd-8acd633b7749#licences) ## 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 & RAISPs](https://elucidate.co/directory/register/fca-psd) FCA | Registered Account Information Service ProviderAccount Information Service Provider | 794952 | [United Kingdom](https://elucidate.co/directory/country/gb) | Active | 2018-01-13 | — | - Account information | [Search the register ↗](https://register.fca.org.uk/s/) | 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](https://elucidate.co/directory/emma-technologies-ltd-8acd633b7749#overview-sources) Customers 3,000,000 customers · This entity · 29 Sep 2026 · [company statement ↗](https://emma-app.com/) 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 ↗](https://emma-app.com/) [help.emma-app.com ↗](https://help.emma-app.com/en/) help centre [web.emma-app.com ↗](https://web.emma-app.com/) web app sign-in [community.emma-app.com ↗](https://community.emma-app.com/) user community forum - **Official social accounts:** [X ↗](https://x.com/emma_finance) · [Facebook ↗](https://www.facebook.com/emmafinance) · [Instagram ↗](https://www.instagram.com/emma_finance/) · [TikTok ↗](https://www.tiktok.com/@emma_finance) - **App:** [onelink.emma-app.com ↗](https://onelink.emma-app.com/41mW/web) Sources · 13 pages consulted 1. [find-and-update.company-information.service.gov.uk/company/10578464](https://find-and-update.company-information.service.gov.uk/company/10578464) 2. [find-and-update.company-information.service.gov.uk/company/10578464/officers](https://find-and-update.company-information.service.gov.uk/company/10578464/officers) 3. [find-and-update.company-information.service.gov.uk/company/10578464/persons-with-significant-control](https://find-and-update.company-information.service.gov.uk/company/10578464/persons-with-significant-control) 4. [emma-app.com](https://emma-app.com/) 5. [emma-app.com/about-us](https://emma-app.com/about-us) 6. [help.emma-app.com/en/article/how-is-my-money-protected-safeguarded-1och16s/](https://help.emma-app.com/en/article/how-is-my-money-protected-safeguarded-1och16s/) 7. [help.emma-app.com/en/article/safeguarding-funds-ob77yc/](https://help.emma-app.com/en/article/safeguarding-funds-ob77yc/) 8. [help.emma-app.com/en/article/which-countries-is-emma-available-in-1x4q2og/](https://help.emma-app.com/en/article/which-countries-is-emma-available-in-1x4q2og/) 9. [storage.googleapis.com/emma-app.com/legal/Emma%20Invest%20Terms.pdf](https://storage.googleapis.com/emma-app.com/legal/Emma%20Invest%20Terms.pdf) 10. [emma-app.com/features/invest](https://emma-app.com/features/invest) 11. [emma-app.com/features/invest-crypto](https://emma-app.com/features/invest-crypto) 12. [emma-app.com/blog/emma-receives-fca-approval](https://emma-app.com/blog/emma-receives-fca-approval) 13. [fintechgrowthinsider.com/p/edoardo-moreni-emma](https://www.fintechgrowthinsider.com/p/edoardo-moreni-emma) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/emma-technologies-ltd-8acd633b7749#overview-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](https://elucidate.co/directory/emma-technologies-ltd-8acd633b7749#overview-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. [help.emma-app.com ↗](https://help.emma-app.com/en/article/how-is-my-money-protected-safeguarded-1och16s/) - **Safeguarding bank · Partner:** The Currency Cloud Limited United Kingdom [help.emma-app.com ↗](https://help.emma-app.com/en/article/how-is-my-money-protected-safeguarded-1och16s/) 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](https://elucidate.co/directory/emma-technologies-ltd-8acd633b7749#overview-sources) - Account information (open banking) - E-money wallet - Domestic payments 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[emma-app.com ↗](https://emma-app.com/about-us) ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/emma-technologies-ltd-8acd633b7749#overview-sources) - **Chief executive:** Edoardo Moreni Co-founder and CEO; Director Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/10578464/officers) - **Founder:** Antonio Marino Co-founder and CTO; Director Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/10578464/officers) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/emma-technologies-ltd-8acd633b7749#overview-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 - **LEI:** [984500C2AFC706755D90 ↗](https://search.gleif.org/#/record/984500C2AFC706755D90) - **How the LEI was matched:** Matched by Elucidate on the UK company number the register gives - **Elucidate firm ID:** 8acd633b7749 ## Profile - **Type:** Payments & e-money - **Regulation:** Small-firm registration - **Main licence class:** Account Information Service Provider - **Activities:** - Account information - **Licensed in:** [United Kingdom](https://elucidate.co/directory/country/gb) · Europe & Central Asia - **First registered:** 2018-01-13 - **Website:** [emma-app.com ↗](https://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 ```xml 984500C2AFC706755D90 EMMA TECHNOLOGIES LTD. N1 6DZ London GB 1st Floor, Verse Building 18 Brunswick Place ``` 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. ## Related institutions ### Other payments & e-money institutions in the United Kingdom - [Stonex Financial LTD BIC IGLUGB2L Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 446717 (FCA-PSD) · also on FINTRAC-MSB · LEI 549300AWF3TOHRYL7754](https://elucidate.co/directory/stonex-financial-ltd-iglugb2l) - [Dex International Limited · trading as DEXREMIT No BIC Payments & e-money Crypto Money service business Prudential licence United Kingdom · Licensed by FCA · 503929 (FCA-PSD) · also on HMRC-MLR, FINTRAC-MSB · LEI 9845003995D06S994R04](https://elucidate.co/directory/dex-international-limited-ff2b0c01c725) - [Euronet Payment Services Ltd · trading as Ria Money Transfer, Ria No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 504630 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/euronet-payment-services-ltd-6f4dec33a392) - [Instinet Europe Limited BIC ISNTGB2L Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 140822 (FCA-PSD) · LEI 213800MXAKR2LA1VBM44](https://elucidate.co/directory/instinet-europe-limited-isntgb2l) - [Isx Financial UK LTD BIC ISFIGB22 Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 901034 (FCA-EMI) · LEI 2138007BDV9IRS8AYD07](https://elucidate.co/directory/isx-financial-uk-ltd-isfigb22) - [Western Union Payment Services GB Limited · trading as Manning House, WU No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 816890 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/western-union-payment-services-gb-limited-0741de977896) - [A to Z 4U Ltd · trading as SAAK REMIT, Saakpay No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 570837 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/a-to-z-4u-ltd-25c2ca0fa3b5) - [Allied Wallet Limited No BIC Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 900124 (FCA-EMI) · also on FCA-PSD · LEI 213800HO66BDXP716G24](https://elucidate.co/directory/allied-wallet-limited-8983cc2e32eb) [See all →](https://elucidate.co/directory/search?type=payments&cc=GB) [Other entries on FCA-PSD →](https://elucidate.co/directory/register/fca-psd) 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 →](https://elucidate.co/directory/methodology) Register for this page - **FCA Financial Services Register - Payment Institutions & RAISPs**—Financial Conduct Authority (FCA) · [source ↗](https://register.fca.org.uk/s/) 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)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.