How long do Pot withdrawals take?

How long do Save Pot Withdrawals take?

If you want to withdraw funds from a Pot to your bank account, you must first withdraw funds from the Pot to your Emma Wallet Available Balance.

You will only be able to withdraw funds from your Withdrawable Cash balance, which is shown after clicking the Withdraw button on the Save section dashboard.

Depending on what type of Pot you’ve withdrawn the funds from will depend on how quickly they can be sent to your bank account. Cash needs to be settled before it can be withdrawn.

Easy Access Pot

If you move money to your Available Balance:

• Before 10am on a weekday: You can withdraw it to your bank the same day
• After 10am, or on a weekend: You can withdraw it on the next working day

When you first move the money, it will appear as Unsettled Cash in your Available Balance. Once it has settled, it will appear as Withdrawable Cash.

Withdrawals to your bank are processed around 6.30pm on working days.

So:

• If you moved funds before 10am, please wait until around 6.30pm that day
• If you moved funds after 10am, please wait until around 6.30pm on the next working day

45 Day Notice Pot

If you move money to your Available Balance:

• Before 10am on a weekday: We send the request to the bank the same day
• After 10am, or on a weekend: We send the request on the next working day

Your money will show as Unsettled Cash in your Available Balance during the 45-day notice period.

You will continue earning interest on the amount during this time.

On the 45th day after the request is sent to the bank, you’ll be able to withdraw your money.

If the 45th day falls on a weekend or bank holiday, this will happen on the next working day.

After 6.30pm on that day, the funds will appear as Withdrawable Cash and can be sent to your bank.

Instant Access Pot

When withdrawing funds from your Instant Access Pot to your Available Balance, you can then withdraw straight to your bank account on a weekday. Your withdrawal should reach your bank within 15 minutes.

Updated on: 26/02/2026