How long do Pot withdrawals take?

Emma Pots are only available to UK-based customers.

The Emma Wallet is closing on 30 September 2026 - click here for full details.

How long do Pot Withdrawals take?

Withdrawals are processed directly from the individual Pot to your funding account (also known as your withdrawal account) — you no longer need to move funds to your Emma Wallet first. How long this takes depends on the type of Pot you're withdrawing from, since cash needs to settle before it can be withdrawn.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

When you request a withdrawal from an Easy Access Pot:

Before 10am on a weekday: your withdrawal is processed the same day.
After 10am, or on a weekend: it's processed on the next working day.

Withdrawals are sent to your bank around 6:30pm on working days:

If you request before 10am, funds should arrive around 6:30pm that day.
If you request after 10am, funds should arrive around 6:30pm the next working 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.

Instant Access Pot

New deposits can no longer be made into Instant Access Pots. Withdrawals work as before: request a withdrawal and funds should reach your bank account within 15 minutes.

Easy Access and 45 Day Notice Pot withdrawals requested over a weekend or bank holiday are processed on the next working day.

Updated on: 13/07/2026

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