Emma Pots

Emma Pots are only available to UK-based customers.

Emma Pots are savings Pots where you can set money aside for a goal, such as a holiday or an emergency fund. You can create as many Pots as you need.

What are the different types of Emma Pots?

Easy Access Pots are a high-interest savings feature that lets you earn interest on your cash while protecting up to a total of £360,000 under the FSCS. When you put money in an Easy Access Pot, it is sent to a trustee, who deposits it with a partner bank on your behalf.

45 Day Notice Pots let you earn higher interest by locking your funds for longer. When you put money in a 45 Day Notice Pot, it is sent to a trustee, who deposits it with a partner bank on your behalf. You need to wait 45 days to access your money when you withdraw.

Do Emma Pots generate interest?

Yes, Easy Access and 45 Day Notice all generate interest. The rate depends on your Emma subscription plan:

Easy Access Pots: up to 3.44% AER
45 Day Notice Pots: up to 3.67% AER

Rates are subject to change. Check the app for your current rate. See Do the Emma Pots generate interest? for the rate on each plan.

How do I add money to a Pot?

You can add money to a Pot by Open Banking transfer, which is usually instant, or by Direct Debit, which may take up to 5 working days from collection. Autosave payments are collected by Direct Debit, so they follow the Direct Debit timing. See Add money to a Pot for the steps.

How do I get started with Emma Pots?

For the Emma Pots terms, see emma-app.com/pots-terms.

Eligible deposits are covered by the Financial Services Compensation Scheme (FSCS) up to £360,000.

Updated on: 13/10/2026

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