How to deposit money into Emma Invest

Emma Invest is only available to UK-based customers.

You can add money to Emma Invest by Open Banking transfer, which usually takes 1 working day, or by Direct Debit, which may take up to 5 working days from collection.

You can also automate your deposits each month with Autoinvest.

How do I deposit money into Emma Invest?

Open the app.
Tap the Invest tab.
Tap + Add money.
Choose your deposit method: Open Banking Transfer or Direct Debit.
Select the account you'd like to deposit into: your Stocks and Shares ISA or GIA.
Choose your amount and tap Continue.
Choose whether to add money to your current investments, to new investments, or as cash.
Follow the on-screen prompts to complete the transaction.

Money you add as cash is held as cash in your account until you invest it. To invest it, tap the fund you'd like to invest in and tap Buy.

How long will my deposit take?

Open Banking Transfer: usually 1 working day.
Direct Debit: may take up to 5 working days from the date the payment is collected.

Deposits don't reach your account straight away. Weekends and UK bank holidays don't count as working days. Autoinvest payments are collected by Direct Debit, so they follow the Direct Debit timing.

How do I automate my deposits into Emma Invest?

Set up Autoinvest to have a fixed amount collected each month by Direct Debit and invested straight into your chosen funds. See What is Autoinvest? for how to set this up.

Can I add money to Emma Invest by bank transfer or standing order?

No, you can't add money to Emma Invest by sending a bank transfer or setting up a standing order from your bank. If you have a standing order set up to Emma, cancel it with your bank.

We can only accept deposits made in the app. Bank transfers and standing orders sent to Emma are rejected.

Why hasn't my deposit arrived?

Open Banking transfers usually take 1 working day. If your deposit hasn't arrived after 1 working day, contact our support team via in-app chat.

Direct Debit payments, including Autoinvest, may not appear in your account straight away after collection. If a Direct Debit payment hasn't arrived 5 working days after it was collected, contact our support team via in-app chat.

Remember, when investing, your capital is at risk. The value of your investments can go down as well as up.

Updated on: 28/10/2026

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