If you open a Super Pot, you will earn interest on your money, and this will vary depending on your Emma Subscription Plan.

• Basic Plan - 1.7% AER

• Emma Plus - 2.11% AER

• Emma Pro - 2.97% AER

• Emma Ultimate - 3.24% AER

If you open an Easy Access Pot, you will earn interest on your money, and this will vary depending on your Emma Subscription Plan.

• Basic Plan - 1.67% AER

• Emma Plus - 2.08% AER

• Emma Pro - 2.93% AER

• Emma Ultimate - 3.2% AER

If you open a 45 Day Notice Pot, you will also earn interest on your money, and this will vary depending on your Emma Subscription Plan.

• Basic Plan - 2.53% AER

• Emma Plus - 3.67% AER

• Emma Pro - 3.67% AER

• Emma Ultimate - 3.67% AER

When will I start earning interest?

You’ll start earning interest no later than the first business day after the bank receives your money.

For example:

If you send money on Monday but the bank receives it on Wednesday, you’ll begin earning interest no later than Thursday.

If you send money on a day when the bank is closed, it will be received on the next working day — and interest will start from there.

When is interest paid?

Interest is paid daily from Tuesday to Saturday.

Your Tuesday payment will be slightly higher, as it includes interest earned on Sunday and Monday.

What happens if I withdraw from a 45 Day Notice Pot?

If you request a withdrawal from a 45 Day Notice Pot, you’ll continue to earn interest on the amount during the notice period — right up until the day the money becomes available to withdraw.

Interest is paid daily from Tuesday till Saturday; your Tuesday payment will be slightly higher and take into account Sunday and Monday.

When you withdraw from a 45 Day Notice Pot, you will still earn interest on the withdrawal amount until you are able to withdraw the cash.

An Instant Access Pot will not generate any interest, but you will get instant access to your savings!

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Updated on: 26/02/2026