From 30 September 2026, Emma Wallet is closing — here's what this means for you.

What is happening to the Emma Wallet?

We're simplifying how you deposit money into Emma. Instead of adding money to an Emma Wallet first, you'll now deposit directly into eligible Emma products, such as Pots and Investment accounts, cutting out a step. As part of this change, the Emma Wallet will close on 30 September 2026.

Why is the Emma Wallet closing?

We're closing the Emma Wallet to simplify deposits, so you can pay directly into eligible Emma products, such as Pots and Investment accounts, instead of adding money to a wallet first. This change is also being made alongside an update to the agreement between Currencycloud, the provider of the e-money and payment services behind the Emma Wallet, and Emma Technologies, meaning Currencycloud will stop providing these services from 30 September 2026.

I don't currently have an Emma Wallet — can I still get one?

No, new customers now deposit directly into Pots and Investment accounts instead of using an Emma Wallet.

I have an Emma Wallet — can I still add money to it?

No, you can no longer add money to your Emma Wallet. Your existing balance will remain visible in the app, and you can move it by depositing into an eligible Pot or Investment account, or withdrawing to your linked bank account.

What can I do with my existing Emma Wallet balance?

You can deposit your Emma Wallet balance into an existing Pot or Investment account, excluding Instant Access Pots, or withdraw it to your linked bank account. Once your Emma Wallet balance reaches £0, it'll no longer be shown in the app.

What happens to my Instant Access Pot?

Instant Access Pots run on the same e-money infrastructure as the Emma Wallet, provided by Currencycloud. As part of this change, new Instant Access Pots can no longer be opened, and existing ones can no longer receive new deposits.

If you have Autosave set up to pay into an Instant Access Pot, you'll need to update your Autosave settings to direct funds to an Easy Access Pot or 45 Day Notice Pot instead.

More information, including what happens if no action is taken before 30 September 2026, is coming soon.

How do I deposit or withdraw money now?

Deposits and withdrawals are requested by selecting the Pot or Investment account you want to use, within the Save or Invest tab.

• To deposit, go to the Save or Invest tab and select the Pot or Investment account you want to deposit into.
• To withdraw, go to the Save or Invest tab and select the Pot or Investment account you want to withdraw from.

Which bank account will my funds be withdrawn to?

Your withdrawal account is typically the account you first used to deposit into your Save or Invest account. If you want to change the bank account used to withdraw funds from Emma Save or Invest, you'll need to contact our support team.

What happens when my Emma Wallet closes?

Any balance remaining in your Emma Wallet on 30 September 2026 will be returned automatically to your funding account, also known as your withdrawal account. You don't need to take any action for this to happen.

I received an unexpected payment from Emma in my bank account — what is this?

If you've received a payment you weren't expecting, it's likely your Emma Wallet or Instant Access Pot balance being returned to you as part of the Emma Wallet closure. These payments are being processed between 28 and 30 September 2026, and will show in your bank account with the reference EMMA APP TRANSFER.

Can I close my Emma Wallet before 30 September 2026?

Yes, you can ask us to close your Emma Wallet earlier than 30 September 2026 if you'd prefer not to wait. Contact the support team through live chat in the app or by emailing support@emma-app.com to request this. More information on this process is coming soon.

Who can I contact if I have questions about my Emma Wallet?

Contact the support team through live chat in the app or by emailing support@emma-app.com if you have any questions about your Emma Wallet.

Updated on: 28/09/2026