How FSCS protection works on Emma Interest Pots

Emma Pots and the Cash ISA are only available to UK-based customers.

Emma Interest Pots and the Cash ISA are designed to help you earn interest on your savings, while keeping your money protected.

Are my funds protected?

Yes, eligible deposits in Easy Access Pots, 45 Day Notice Pots and the Cash ISA are protected by the Financial Services Compensation Scheme (FSCS).

How much protection do I get?

The level of FSCS protection depends on the product:

Easy Access Pots and the Cash ISA: eligible deposits are protected up to £360,000.
45 Day Notice Pots: eligible deposits are protected up to £120,000.

The £360,000 covers your Easy Access Pots and Cash ISA combined, not each separately.

How does this work?

Easy Access Pots and the Cash ISA are provided by Bondsmith, a savings platform that is not a bank. Bondsmith places your money with partner banks, and your money may be spread across more than one bank, which can increase the FSCS protection you benefit from.

45 Day Notice Pots are provided by Santander International, through Bondsmith.

What does "eligible deposits" mean?

FSCS protection applies to eligible deposits only. This typically includes cash held in savings accounts, but not all financial products are covered.

Important information

FSCS protection limits apply per person, per authorised bank.
Protection eligibility depends on your individual circumstances.
Rules and limits may change over time.

Your investments in Emma Invest are protected differently. See How is my money protected / safeguarded? for how your savings and investments are protected.

Updated on: 13/10/2026

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