The holders opened the scoring around the half-hour mark at a wet Wembley with a header from Australian striker Kerr after a deep cross from Millie Bright. But, they were pegged back by a beautiful finish from City forward Hemp shortly before half-time.
Chelsea midfielder Cuthbert thundered a long-range effort in off the crossbar around the hour mark to retake the lead. However, in the 89th minute a long ball was taken down well by Australian Raso who fired in the equaliser to take the game to extra time.
City pressed for a winner but were undone nine minutes into the first period when Kerr picked up the ball in her own half and ran at goal before seeing her shot take a big deflection and trickle in.
Emma Hayes’s side then kept City at bay to win a second successive FA Cup in front of 49,094 fans, a record attendance for the final beating the previous mark of 45,423 set in 2018. (Reuters)