Pots
Emma Pots
| Emma Pots are only available to UK-based customers. What are Emma Pots? We’ve introduced Emma Pots to help you save for the things that really matter to you. Emma Pots will enable you to create savings pots - places where you can set money aside to help you reach your financial goals. You can create multiple savings Pots for anything you need or your heart desires, such as a holiday, something special or an emergency fund for a rainy day! 💵 What are the different types of Emma PotPopularDo the Emma Pots generate interest?
| Emma Pots are only available to UK-based customers. If you open a Super Pot, you'll earn interest on your money, and the rate depends on your Emma subscription plan: Basic Plan - 1.7% AER Emma Plus - 2.11% AER Emma Pro - 2.97% AER Emma Ultimate - 3.24% AER If you open an Easy Access Pot, you'll earn interest on your money, and the rate depends on your Emma subscription plan: Basic Plan - 1.67% AER Emma Plus - 2.08% AER Emma Pro - 2.93% AER Emma Ultimate - 3.2% AERSome readersWhat are the different types of Emma Pots?
| Emma Pots are only available to UK-based customers What are the different types of Emma Pots? Easy Access Pots are types of Pots that allow you to easily earn interest on your money. When you put money in an Easy Access Pot, it is sent to a trustee, who deposits it with a bank you choose, on your behalf. 45 Day Notice Pots are types of Pots that allow you to earn higher interest by locking your funds for longer. When you put money in a 45 Day Notice Pot, it is sent to a trusteeFew readersHow is interest calculated?
| Emma Pots are only available to UK-based customers. Most of our Pots generate interest, though 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 Super Pot 1.7% AER 2.11% AER 2.97% AER 3.24% AER Easy Access Pot 1.67% AER 2.08% AER 2.93% AER 3.20% AER 45 Day Notice Pot 2.53% AER 3.67% AER 3.67% AER 3.67% AER | Instant Access Pot | Does not gFew 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 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 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 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 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 readersHow FSCS protection works on Emma Interest Pots
| Emma Pots are only available to UK-based customers. Emma Interest Pots are designed to help you earn interest on your savings, while keeping your money protected. Are my funds protected? Yes — eligible deposits in Emma Interest Pots are protected by the Financial Services Compensation Scheme (FSCS). How much protection do I get? The level of FSCS protection depends on the type of Interest Pot: Easy Access and 45-Day Notice Pots: Eligible deposits are protected upFew readersHow long do Pot withdrawals take?
| Emma Pots are only available to UK-based customers. ||| The Emma Wallet is closing on 30 September 2026 - click here for full details. How long do Pot Withdrawals take? Withdrawals are processed directly from the individual Pot to your funding account (also known as your withdrawal account) — you no longer need to move funds to your Emma Wallet first. How long this takes depends on the type of PotSome 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. Depositing directly into a Pot If you're depositing directly into a Pot, your first deposit can take a little while to process — from a few minutes to 2 full days if initiated on the weekend. Your subsequent deposits will usually be processed within a couple of hours at most, often within minutes. Moving your Emma Wallet balance to a Pot ||| This applies if you still have a balance in your Emma Wallet. Emma Wallet is closingFew readersAdd money to a Pot
| Emma Pots are only available to UK-based customers. Depositing directly into a Pot You can deposit funds directly into an Emma Pot — you no longer need to add money to an Emma Wallet first. Tap the Save tab. Tap the Pot you'd like to add funds to. Tap Deposit. Choose One-off deposit. Enter your deposit amount and tap Continue. You'll be redirected to your bank app to finalise the transfer. How long will my deposit take? If you're depositingFew readers
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 banSome 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 readersHow do I cancel an autosave? 🇬🇧
| Autosave is only available to UK-based customers. There are three ways to stop an autosave, depending on what you'd like to do: skip a single upcoming payment, pause autosaving temporarily, or cancel it completely. Skip an upcoming payment Upcoming autosaves can be skipped up to 24 hours before the funds are collected. Go to the Save tab. Tap Autosave. Tap See All next to Activity. Tap Skip this payment. || You can only skip a payment if its status sFew 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
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 an independent fund set up by the government to protect people’s money. The FSCS covers certain companies that have been authorised by the UK regulators, the Financial Conduct Authority (FCA) or the Prudential Regulation Authority (PRA), like banks, building societies, credit unions or other financial institutions. The FSCS protects eligible deposits up to the amount of £120,0Few readersHow do I withdraw funds from my Emma Wallet?
| Emma Pots are only available to UK-based customers. ||| This applies if you have an existing balance in your Emma Wallet. Emma Wallet is closing on 30 September 2026 — see Emma Wallet is changing — here's what's next for details. Withdrawing funds from your Emma Wallet To withdraw funds from your Emma Wallet, follow these steps: Open the app. Tap the Save tab. Tap Withdraw.Few 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 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 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? ThFew readersWhat is the Emma Super Pot?
| Emma Pots are only available to UK-based customers. The Emma Super Pot is a high-interest savings feature that lets you earn interest on your cash while keeping it protected. When you deposit money into your Super Pot, it is swept into one or more FSCS-participating banks via our partner Bondsmith. This means your money becomes eligible for FSCS protection—up to a total of £360,000. Bondsmith actively manages your deposits, reallocating funds daily across available banks to optimise returnsFew 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 readersEmma Wallet Available Balance
| Emma Wallet is only available to UK-based customers. ||| This page applies if you still have a balance in your Emma Wallet. Emma Wallet is closing on 30 September 2026 — see Emma Wallet is changing — here's what's next for details. What is my Emma Wallet Available Balance? Your Available Balance is the total sum of funds added to your Emma Wallet account, which are currently not tied up in any inveFew readers