# £85000 guarantee **URL:** \ **Category:** Help\ **Created:** [July 12, 2019, 8:53pm UTC](https://community.emma-app.com/t/85000-guarantee/661 "2019-07-12T20:53:33Z")\ **Posts on this page:** 16\ **Page:** 1
**Author:** ![Recchan](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/recchan/32/444_2.png) [@Recchan](https://community.emma-app.com/u/Recchan)\ **Post date:** [July 12, 2019, 8:53pm UTC](https://community.emma-app.com/t/85000-guarantee/661/1 "2019-07-12T20:53:33Z")
Heya I’d like to know exactly what this guarantee exists for. As far as I’m aware you guys get read only access, as in you couldn’t physically take my money if you tried? Is this more in the event that our details are stolen from Emma for our online banking details? Isn’t this more linked to Plaid/TrueLayer than Emma itself Is this linked to Emma’s solvency? Should you go bankrupt am I just 85k out of pocket? ---
**Author:** ![o99](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/o99/32/2132_2.png) [@o99](https://community.emma-app.com/u/o99)\ **Post date:** [July 13, 2019, 6:45am UTC](https://community.emma-app.com/t/85000-guarantee/661/2 "2019-07-13T06:45:28Z")
Not sure what this is referring to. Where have you seen an £85k guarantee in relation to Emma? ---
**Author:** ![Recchan](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/recchan/32/444_2.png) [@Recchan](https://community.emma-app.com/u/Recchan)\ **Post date:** [July 13, 2019, 6:52am UTC](https://community.emma-app.com/t/85000-guarantee/661/3 "2019-07-13T06:52:39Z")
![image](https://canada1.discourse-cdn.com/flex030/uploads/emma_app/original/1X/a96d9d257bc5a66d540e394b1c0eb082aa68e982.jpeg) 😂 does this mean since my money dipped under 85k they’ll pay the balance? I love Emma even more now - customer for life ---
**Author:** ![o99](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/o99/32/2132_2.png) [@o99](https://community.emma-app.com/u/o99)\ **Post date:** [July 13, 2019, 7:07am UTC](https://community.emma-app.com/t/85000-guarantee/661/4 "2019-07-13T07:07:18Z")
Had never noticed that! I have no idea. Perhaps relates to insurance in the event of account credentials stored in Emma being stolen and used fraudulently??? But I thought since Emma are regulated as an AISP, banks would be expected to cover losses themselves. I can’t see any mention of a guarantee in the terms and conditions 🤷‍♂️ ---
**Author:** ![Recchan](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/recchan/32/444_2.png) [@Recchan](https://community.emma-app.com/u/Recchan)\ **Post date:** [July 13, 2019, 7:08am UTC](https://community.emma-app.com/t/85000-guarantee/661/5 "2019-07-13T07:08:29Z")
Time to sue Emma, lets go bois ---
**Author:** ![BendikHa](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/bendikha/32/283_2.png) [@BendikHa](https://community.emma-app.com/u/BendikHa)\ **Post date:** [July 13, 2019, 11:52am UTC](https://community.emma-app.com/t/85000-guarantee/661/6 "2019-07-13T11:52:28Z")
> [@Recchan](#): > > As far as I’m aware you guys get read only access As fas I know, when you connect your account Emma gets both read and write acess. In theory they can debit you account and transfer your balance somewhere else (Ex: Venmo and PayPal), if implement an option to do it in the app remains to be seen, but they can. ---
**Author:** ![Recchan](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/recchan/32/444_2.png) [@Recchan](https://community.emma-app.com/u/Recchan)\ **Post date:** [July 13, 2019, 2:13pm UTC](https://community.emma-app.com/t/85000-guarantee/661/7 "2019-07-13T14:13:35Z")
Maybe Emma should add tabs then and implement some P2P payments 😏 ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [July 13, 2019, 3:25pm UTC](https://community.emma-app.com/t/85000-guarantee/661/8 "2019-07-13T15:25:39Z")
> [@BendikHa](#): > > As fas I know, when you connect your account Emma gets both read and write acess. In theory they can debit you account and transfer your balance somewhere else (Ex: Venmo and PayPal), if implement an option to do it in the app remains to be seen, but they can. This is false. 😛 It’s read-only access, we can’t do anything. ---
**Author:** ![Recchan](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/recchan/32/444_2.png) [@Recchan](https://community.emma-app.com/u/Recchan)\ **Post date:** [July 13, 2019, 3:45pm UTC](https://community.emma-app.com/t/85000-guarantee/661/9 "2019-07-13T15:45:46Z")
> [@edoardomoreni](#): > > It’s read-only access, we can’t do anything. Could you explain the guarantee then? 👀 I gave you a follow on LinkedIn by the way 😉 ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [July 13, 2019, 3:47pm UTC](https://community.emma-app.com/t/85000-guarantee/661/10 "2019-07-13T15:47:48Z")
If there is a loss of anything, we are more than happy to cover. There is no real risk in Emma or anything we do. ---
**Author:** ![Recchan](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/recchan/32/444_2.png) [@Recchan](https://community.emma-app.com/u/Recchan)\ **Post date:** [July 13, 2019, 3:52pm UTC](https://community.emma-app.com/t/85000-guarantee/661/11 "2019-07-13T15:52:52Z")
Could you add the guarantee to your T&C? For that peace of mind 😉 ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [July 13, 2019, 3:53pm UTC](https://community.emma-app.com/t/85000-guarantee/661/12 "2019-07-13T15:53:04Z")
Yes, of course. 🙂 ps: I am closing this. ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [July 13, 2019, 3:53pm UTC](https://community.emma-app.com/t/85000-guarantee/661/13 "2019-07-13T15:53:53Z")
---
**Author:** ![BendikHa](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/bendikha/32/283_2.png) [@BendikHa](https://community.emma-app.com/u/BendikHa)\ **Post date:** [July 13, 2019, 4:10pm UTC](https://community.emma-app.com/t/85000-guarantee/661/14 "2019-07-13T16:10:01Z")
I got an email a while back said you’d be able to initiate US transfers from Emma, so I assumed you had write access ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [July 13, 2019, 5:03pm UTC](https://community.emma-app.com/t/85000-guarantee/661/15 "2019-07-13T17:03:08Z")
We are going to build this later in Q4, just for the US. It doesn’t involve credential sharing or access to “charge cards”. The US has a completely different system and we just need a routing number to do stuff. ---
**Author:** ![antonio](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/antonio/32/47_2.png) [@antonio](https://community.emma-app.com/u/antonio)\ **Post date:** [July 13, 2019, 10:06pm UTC](https://community.emma-app.com/t/85000-guarantee/661/16 "2019-07-13T22:06:46Z")