How long do Pot withdrawals take?

Emma Pots are only available to UK-based customers.

How long do Pot Withdrawals take?

Withdrawals are processed directly from the individual Pot to your funding account, also known as your withdrawal account. How long this takes depends on the type of Pot you’re withdrawing from, since cash needs to settle before it can be withdrawn.

Easy Access Pot and Cash ISA Pot

Easy Access and Cash ISA Pot withdrawals requested before 10am on a weekday are processed the same day, and funds usually arrive shortly after 6:30pm. Withdrawals requested after 10am, or on a weekend or bank holiday, are processed on the next working day.

Before 10am on a weekday: processed the same day, with funds usually arriving shortly after 6:30pm.
After 10am, or on a weekend or bank holiday: processed on the next working day, with funds usually arriving shortly after 6:30pm that day.

45 Day Notice Pot

When you request a withdrawal from a 45 Day Notice Pot:

Before 10am on a weekday: we send the request to your bank the same day.
After 10am, or on a weekend: we send it the next working day.

You'll continue earning interest on the amount during the 45-day notice period. On the 45th day after the request is sent (or the next working day, if this falls on a weekend or bank holiday), your funds will be sent to your bank after 6:30pm that day.

Withdrawals from Easy Access, Cash ISA, and 45 Day Notice Pots requested over a weekend or bank holiday are processed on the next working day.

Updated on: 19/10/2026

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