Autosave 🇬🇧
What is Emma Autosave? 🇬🇧
Autosave is only available to UK-based customers. Emma Wallet is closing on 30 September 2026. If your Autosave is currently set to deposit into your Emma Wallet or an Instant Access Pot, you'll need to update it in the app. See Emma Wallet is changing — here's what's next for full details. What is autosave? Emma's autosaves are small weekly or monthly amounts collected from your primary banPopularHow do I cancel an autosave?
Autosave is only available to UK-based customers. You can skip an upcoming Autosave payment in the app, but once a payment has been collected by Direct Debit, it can't be skipped or cancelled. How do I skip an upcoming Autosave payment? Tap the Save tab. Tap Autosave. Open Activity. Tap Skip this payment. You can only skip a payment while its status shows Upcoming, which means the funds haven't been collected yet. What if my Autosave has alreadyFew readersHow much is saved with the AI Saving mode?
Autosave is only available to UK-based customers. Emma's autosaves come with three different modes: AI Saving, Round Ups, and Custom Deposits. The AI Saving mode calculates an adequate amount to move to your Pots at your chosen frequency (weekly or monthly) based on your current balance and future spending patterns. This amount is dynamic and will change over time, since the calculation is based on your primary bank account balance - you'll notice bigger saved amounts afterFew readersDo autosaves come with a transaction fee? 🇬🇧
Autosave is only available to UK-based customers. Autosaves are free on Emma Plus, Pro, and Ultimate plans. On the Basic plan, each autosave has a £0.50 fee.Few readersHow do I change my autosave?
Autosave is only available to UK-based customers. Emma Wallet is closing on 30 September 2026, and Autosave no longer deposits into the Emma Wallet or Instant Access Pots. See Emma Wallet is changing — here's what's next for more details. Emma's autosaves are small weekly amounts collected from your primary bank account and moved to your Emma Pots. Can I turn a saving rule on or off? Yes, yFew readersWhy has my autosave failed?
Emma Pots are only available to UK-based customers. Autosaves are calculated each Sunday and are requested from your nominated bank account on Monday. Your autosave might not be collected if your predicted account balance was below our minimum threshold for collection. Your autosave can also fail if your bank declines the payment, for example, if it takes you into your overdraft or over your arranged overdraft limit. The information on your autosave is on the Save tab in the Emma appFew readers
Pots
Emma Pots
Emma Pots are only available to UK-based customers. Emma Pots are savings Pots where you can set money aside for a goal, such as a holiday or an emergency fund. You can create as many Pots as you need. What are the different types of Emma Pots? Easy Access Pots are a high-interest savings feature that lets you earn interest on your cash while protecting up to a total of £360,000 under the FSCS. When you put money in an Easy Access Pot, it is sent to a trustee, who deposits it witPopularDo the Emma Pots generate interest?
Emma Pots are only available to UK-based customers. Yes, Easy Access Pots, 45 Day Notice Pots and Cash ISA Pots all earn interest, and the rate depends on your Emma subscription plan. If you open a Cash ISA Pot, the rate is: Basic - 1.91% AER Emma Plus - 2.31% AER Emma Pro - 3.18% AER Emma Ultimate - 3.44% AER If you open an Easy Access Pot, the rate is: Basic - 1.91% AER Emma Plus - 2.31% AER Emma Pro - 3.18% AER Emma Ultimate - 3.44% AER If you open a **45 Day NotSome readersWhat 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 withFew readersHow is interest calculated?
Emma Pots are only available to UK-based customers. Easy Access Pots, 45 Day Notice Pots and Cash ISA Pots all generate interest. The rate depends on the type of Pot you choose and your current Emma subscription plan. Pot Type Basic Plan Plus Plan Pro Plan Ultimate Plan Cash ISA Pot 1.91% AER 2.31% AER 3.18% AER 3.44% AER Easy Access Pot 1.91% AER 2.31% AER 3.18% AER 3.44% AER 45 Day Notice Pot | 2.53% AERFew readersWhat is an Earned Interest Pot?
Emma Pots are only available to UK-based customers. Emma Save allows you to open as many interest-generating Pots as you wish. To make things easy to manage, all interest generated across all of your Easy Access Pots and 45 Day Notice Pots will be added and displayed in one place. You can tap on these Pots to view how much interest your Pots have generated over time in more detail. For our Emma Pots terms, see https://emma-app.com/pots-termsFew readersWhere can I get Emma Pots statements?
Emma Pots are only available to UK-based customers. You can download Emma Interest Pots Statements by following the steps: Go to the Save Tab Click on the cog icon at the top right. Select the Interest statement.Few readersWhere is my Save Pot account number?
Emma Pots are only available to UK-based customers. In order to provide interest-generating Pots, Emma has partnered with top providers to give you the best saving experience 🙌 This means that your Save Pots deposits are not held directly with us and are instead held with a bank, via a trustee. Three companies work together to provide you with any Easy Access or 45 Day Notice Pots. They are: ● us (we provide the function in our app); ● the trustee (they make the deposit on your behalfFew readersWhy is my Pot interest rate different?
Emma Pots are only available to UK-based customers. How the Bank of England base rate affects my Pot rate Our interest-generating Emma Pots, the Easy Access and 45 Day Notice Pots, have a variable interest rate. They're base rate trackers, meaning they track the base rate of interest set by the Bank of England. When the Bank of England changes the base rate, our partner bank changes the Pot rates to reflect this. You can view the current rate in the app when viewing your Pot.Few readersCan I cancel a transfer or withdrawal request?
Emma Pots are only available to UK-based customers. No, once a transfer or withdrawal request has been submitted, it cannot be cancelled. Once you confirm a transfer or withdrawal in the app, it's processed immediately and we're unable to reverse or stop the transaction. I made a withdrawal by mistake. What can I do? Unfortunately, once a withdrawal has been submitted, we cannot cancel or reverse it. The funds will be transferred to your chosen bank account as requested. If you wantFew readersWhat Are Meaningful Dates?
Emma Pots are only available to UK-based customers Meaningful Dates are the specific date range you must input when generating either an Emma Wallet Statement or an Interest Pots Statement within the app. These dates determine the period of activity displayed in your statement. Purpose of Meaningful Dates We use Meaningful Dates to generate personalised and accurate financial statements. By selecting a date range, you specify the period of transactions or account activity you areFew readersHow FSCS protection works on Emma Interest Pots
Emma Pots and the Cash ISA are only available to UK-based customers. Emma Interest Pots and the Cash ISA are designed to help you earn interest on your savings, while keeping your money protected. Are my funds protected? Yes, eligible deposits in Easy Access Pots, 45 Day Notice Pots and the Cash ISA are protected by the Financial Services Compensation Scheme (FSCS). How much protection do I get? The level of FSCS protection depends on the product: **Easy Access Pots and thFew readersHow long do Pot withdrawals take?
Emma Pots are only available to UK-based customers. How long do Pot Withdrawals take? Withdrawals are processed directly from the individual Pot to your funding account, also known as your withdrawal account. How long this takes depends on the type of Pot you’re withdrawing from, since cash needs to settle before it can be withdrawn. Easy Access Pot and Cash ISA Pot Easy Access and Cash ISA Pot withdrawals requested before 10am on a weekday are processed the same day, and funSome readersCreate a Pot
Emma Pots are only available to UK-based customers. Creating a Pot Follow these steps to create a new Pot: Open Emma App Select the Save tab Select Create new Pot Choose which type of Pot you want to create Choose a name for your new Pot Optional: toggle on I have a goal to set a Savings Goal (available on Emma Plus, Pro, and Emma Ultimate subscription plans) Select Continue ChoosFew readersWithdraw money from a Pot
Emma Pots are only available to UK-based customers. How can I withdraw funds from Emma Save Pots? To withdraw funds from a Pot to your bank account, select the Pot and tap Withdraw. Withdrawing from a Pot Tap the Save tab. Tap the Pot you'd like to withdraw funds from. Tap Withdraw. Enter your withdrawal amount and tap Continue. Tap Confirm to process your withdrawal. See [How long do Pot withdrawals take?](https://help.emma-app.com/en/artSome readersHow do I edit an Emma Pot?
Emma Pots are only available to UK-based customers. Editing Pot name, Icon, or Goal If you’d like to edit your Pot name, icon, or goal, please follow these steps: Go to the Save tab Select the Pot you’d like to edit Click the settings Cog Icon in the top right corner of the screen Select Pot name, Emoji, or GoalFew readersDelete a Pot
Emma Pots are only available to UK-based customers. Deleting Pots If you’d like to delete a Pot, please follow these steps: Go to the Save tab Select the Pot you’d like to delete Click the settings Cog Icon in the top right corner of the screen Click the delete Bin Icon in the top right of the screen Please note that if you have any funds in your Pot when it is deleted, the funds will automatically be moved back to your Emma Wallet Available Balance.Few readersView Pot History/Activity
Emma Pots are only available to UK-based customers. How can I view my Pot deposit, withdrawal, and transfer history? Follow these steps to view your activity in Emma Save: Select the Save tab Click the Bar Chart Icon in the top right The Activity Section will display the history of all deposits, withdrawals, and transfers you’ve made in Emma Save.Few readersMove money between Pots
Emma Pots are only available to UK-based customers. Moving funds between Pots To transfer funds between Pots, please follow these steps: Go to the Save tab Select the Pot you’d like to move funds from Click Withdraw Select the Pot to transfer to and click Deposit Enter the transfer amount and click ContinueFew readersHow long do Pot deposits take?
Emma Pots are only available to UK-based customers. Setting up Emma Save for the first time Your first deposit into Emma Save is collected by Direct Debit, so it takes a little longer than a normal transfer — up to 5 working days to reach your Pot. You can see this as a pending transaction by going to the Save tab and tapping on your Pot. Depositing directly into a Pot If you're depositing directly into a Pot, your first deposit can take a little while to process — fromFew readersAdd money to a Pot
Emma Pots are only available to UK-based customers. You can add money to a Pot by Open Banking transfer, which is usually instant, or by Direct Debit, which may take up to 5 working days from collection. How do I add money to a Pot? Tap the Save tab. Tap + Add money. Choose your deposit method, Open Banking Transfer or Direct Debit, and the Pot you'd like to add money to. Enter your deposit amount and tap Continue. If you chose Open Banking TransferFew readers
What is the Financial Services Compensation Scheme (FSCS)?
Emma Save and Invest is only available to UK-based customers. The Financial Services Compensation Scheme (FSCS) is the UK's independent compensation scheme, set up by the government, that can pay you compensation if an authorised financial firm fails. Which firms does the FSCS cover? The FSCS covers firms authorised by the Financial Conduct Authority (FCA) or the Prudential Regulation Authority (PRA), such as banks, building societies, credit unions and investment firms. HowFew readersHow do I change my withdrawal bank account?
Emma Save and Invest is only available to UK-based customers. If you want to change the bank account used for withdrawals and deposits from Emma Save or Invest, known as your funding account, you'll need to contact our support team. What we'll need When requesting the change, include the following details for the account you want to use: Full name Sort code Account number The new account must already be connected in the app, and be a valid UK current account in your name. InFew readersApplication Under Review
Emma Pots are only available to UK-based customers. My Application is Under Review - what does that mean? As a financial services provider, we are required to verify the identity of all of our customers. This process is known as Know Your Customer Checks. As part of this process, we may ask you for additional documents before you can start investing or open Pots with Emma. Our team works through pending verifications as quickly as possible, but approval times can vary dependingFew readersWhy can't I find Emma on the FSCS register?
Emma Pots are only available to UK-based customers. Emma has partnered with top providers to give you the best saving experience 🙌 This means that your Pots deposits are not held directly with us, so you won't find 'Emma Technologies' on the Financial Services Compensation Scheme (FSCS) website as 'Protected'. Your Pots deposits are held with our partner bank, whose FCA number will show as 'Protected' on the FSCS register. Who is providing the Easy Access and 45 Day Notice Pots? ThreFew readersCan I use Emma Save as a US citizen?
Emma Pots are only available to UK-based customers. If you are a US citizen or have dual citizenship with the US, it is not possible to open an Emma Save account. This is due to the regulations imposed by the US government on its citizens. FACTA regulation requires companies to report information on when any sums are paid to or for a US person, regardless of where in the world that payment is made. We're unable to provide these reports. Given the strict requirements imposed by the US goveFew readersWhy is my deposit getting rejected?
Emma Pots are only available to UK-based customers. If your deposits are getting rejected, it's usually because our payment provider can't match the name on your bank account to the name registered on your Emma account. This issue commonly occurs with: Joint accounts Business accounts Some personal accounts To resolve this issue, we recommend trying to make the deposit from a different personal account that clearly matches your name registered with Emma. Please do not trFew readersEmma Wallet is changing — here's what's next
From 30 September 2026, Emma Wallet is closing — here's what this means for you. What is happening to the Emma Wallet? We're simplifying how you deposit money into Emma. Instead of adding money to an Emma Wallet first, you'll now deposit directly into eligible Emma products, such as Pots and Investment accounts, cutting out a step. As part of this change, the Emma Wallet will close on 30 September 2026. Why is the Emma Wallet closing? We're closing the Emma Wallet to simplifyFew readersWhy was my bank transfer or standing order to Emma rejected?
Emma Save and Invest are only available to UK-based customers. Your bank transfer or standing order was rejected because we can only accept deposits made in the app using Open Banking Transfer or Direct Debit. Bank transfers and standing orders sent to Emma are rejected, for both Save and Invest. What should I do if my bank transfer or standing order is still pending? If you've sent a bank transfer or standing order to Emma and it's still pending, contact our support team via inFew readers