How long does it take to deposit money in Emma?

Emma Save and Emma Invest are only available to UK-based customers.

How long a deposit takes depends on how you add the money. This applies to Pots and to all Emma Invest accounts: Stocks and Shares ISA, Junior Stocks and Shares ISA (JISA) and GIA.

Open Banking Transfer: usually 1 working day.
Direct Debit, including Autosave and Autoinvest: usually up to 5 working days from when the payment is collected.

Weekends and UK bank holidays don't count as working days, so they can delay your deposit.

What does "Your top-up is pending" mean?

Your payment has left your bank and is on its way to Emma. You'll see this message on the Save or Invest tab until the money reaches your Pot or account.

Where can I see my deposit?

Pots: tap the Save tab and open your Pot.
Emma Invest: tap the Invest tab and open your Stocks and Shares ISA, Junior Stocks and Shares ISA or GIA.

Is there a limit on Junior ISA deposits?

Yes. You can add up to £9,000 per child each tax year. Money in a Junior ISA can't be withdrawn until your child turns 18.

Can I deposit by bank transfer or standing order?

No. We can only accept deposits made in the app. Bank transfers and standing orders sent to Emma are rejected.

What if my deposit hasn't arrived?

If an Open Banking deposit hasn't arrived after 1 working day, or a Direct Debit deposit hasn't arrived 5 working days after it was collected, contact our support team via in-app chat.

For more detail, see How long do Pot deposits take? and How to deposit money into Emma Invest.

Updated on: 11/11/2026

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