What are the different types of Emma Pots?

Emma Pots are only available to UK-based customers

Emma offers Easy Access Pots, 45 Day Notice Pots, and Cash ISA Pots. With every type of Pot, you can set a savings goal and track your progress towards it.

What is an Easy Access Pot?

Easy Access Pots earn interest on your savings while keeping your money within reach. You can withdraw whenever you need to, and withdrawals reach your bank within one working day. Easy Access Pots are provided by Bondsmith, which places your money with partner banks.

What is a 45 Day Notice Pot?

45 Day Notice Pots earn a higher rate of interest in return for locking your money away for longer. When you want to withdraw, you need to give 45 days’ notice, and you keep earning interest across the notice period. 45 Day Notice Pots are provided by Santander International, through Bondsmith.

What is a Cash ISA Pot?

A Cash ISA Pot lets you earn tax-free interest, which means you don’t pay income tax on what your savings earn. It’s also flexible: you can take money out when you need it and put it back in the same tax year without using more of your ISA allowance. Cash ISA Pots are provided by Bondsmith.

Where can I find out more?

For our Emma Pots terms, see https://emma-app.com/pots-terms

Tax treatment depends on your individual circumstances and ISA rules, which may change.

Updated on: 19/10/2026

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