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 let you earn interest on your savings while keeping your money within reach. They're provided by Bondsmith, which places your money with partner banks through a trustee.

45 Day Notice Pots let you earn higher interest by locking your money away for longer. You need to give 45 days' notice to withdraw. They're provided by Santander International, through Bondsmith.

Cash ISA Pots let you earn tax-free interest. They're provided by Bondsmith.

See What are the different types of Emma Pots? for more detail.

Do Emma Pots generate interest?

Yes, all Emma Pots earn interest. The rate depends on your Emma plan:

Easy Access Pots: up to 3.71% AER
45 Day Notice Pots: up to 3.92% 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 is my money protected?

Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS):

Easy Access Pots and Cash ISA Pots: up to £360,000 in total.
45 Day Notice Pots: up to £120,000 per eligible person, per authorised bank.

See How FSCS protection works on Emma Interest Pots.

How do I add money to a Pot?

You can add money to a Pot by Open Banking transfer, which usually takes 1 working day, 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.

Updated on: 07/11/2026

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