What is the Emma Wallet?

Emma Wallet was a feature that let customers add money before depositing it into Emma Pots or Investment accounts. It closed on 30 September 2026 and is no longer available.

What happened to my Emma Wallet balance?

Any balance left in your Emma Wallet when it closed was returned automatically to your funding account, also known as your withdrawal account. Balances in Instant Access Pots were returned in the same way. You didn't need to do anything for this to happen.

These payments were made between 28 and 30 September 2026 and show in your bank account with the reference EMMA APP TRANSFER.

How do I add or withdraw money now?

You now add money to, and withdraw money from, each Pot or Investment account directly:

• To add money, go to the Save or Invest tab and select the Pot or Investment account you want to add money to. See Add money to a Pot and How to deposit money into Emma Invest.
• To withdraw, go to the Save or Invest tab and select the Pot or Investment account you want to withdraw from. Money is sent to your withdrawal account.

What if my balance hasn't arrived?

If you had money in your Emma Wallet or an Instant Access Pot and you can't see an EMMA APP TRANSFER payment in your bank account, contact our support team via in-app chat.

Updated on: 28/10/2026