How long does it take to deposit money in Emma?

Your first Emma deposit can take a little longer to process, from a few minutes to 2 full days if initiated on the weekend.

Your subsequent top ups should be processed within minutes.

Please note that deposited funds may appear first in your Emma Wallet before being allocated to a savings pot or investment account. To check this, go to the Save tab and look for Emma Wallet.

Having trouble topping up your account?

If it's been a little while and your top up has not been added to your account, please reach out to our Support Team via the in-app chat.

Updated on: 14/04/2026