Savings rates
Rates reviewed daily · last updated 15 October 2026
Savings rates
All rates AER · Updated October 2026
Rates shown are AER and correct as of October 2026.
Notice Account
| Account | Interest | Min Balance | |||
|---|---|---|---|---|---|
| 45-Day Notice Pot - Plus, Pro and Ultimate | 3.67% | 45 Days | — | £0 | |
| 45-Day Notice Pot | 2.53% | 45 Days | — | £0 |
Easy Access
| Account | Access | Interest | Min Balance | ||
|---|---|---|---|---|---|
| Easy Access Pot - Ultimate | 3.44% | Next working day | — | £0 | |
| Easy Access Pot - Pro | 3.18% | Next working day | — | £0 | |
| Easy Access Pot - Plus | 2.31% | Next working day | — | £0 | |
| Easy Access Pot | 1.91% | Next working day | — | £0 |
Cash ISA
| Account | Transfers in | Min Balance | |||
|---|---|---|---|---|---|
| Cash ISA Pot - Ultimate | 3.44% | Next working day | — | £0 | |
| Cash ISA Pot - Pro | 3.18% | Next working day | — | £0 | |
| Cash ISA Pot - Plus | 2.31% | Next working day | — | £0 | |
| Cash ISA Pot - Basic | 1.91% | Next working day | — | £0 |
Is Emma FSCS protected?
Protected via partner banks
Emma is a money app, not a bank. Money in its savings pots is placed with partner banks, and each bank's FSCS protection covers up to £120,000 per person. Emma spreads pots across several banks, which is how it offers up to £360,000 of cover. Money left in your main Emma balance is not FSCS protected.
See every brand that shares a banking licenceSwitch offers
Who Emma is
Emma is built by Emma Technologies Ltd, founded in London in 2017 by Edoardo Moreni and Antonio Marino. The famous teddy bear logo was designed to symbolise the concept of "your best financial friend". At its core, Emma is a money management app that uses open banking to combine information from all of your bank accounts, savings accounts, credit cards and investments. Today, more than 3 million people use Emma to work towards their financial goals.
Crucially for savers, Emma is a platform rather than a bank. Savings Pot deposits are held with partner banks and FSCS-protected; investments are held with Seccl Custody Ltd, an FCA-regulated custodian. That means your money sits with the partner institution, protected under that institution's own banking licence - not Emma's.
Savings accounts
Emma's savings products come in the form of pots, and the rate you get depends on which subscription tier you are on. Emma's savings Pots pay interest that scales with your subscription, which is an unusual structure and worth understanding before you pick a tier.
On easy access, the tiers currently run from the basic Easy Access Pot up to the Ultimate plan. All easy access pots offer next working day access with no minimum balance. On the notice side, there is a 45-Day Notice Pot available at two rate levels - one for Plus, Pro and Ultimate subscribers, and a lower rate for the basic tier. Cash ISA pots mirror the same four-tier structure, also with next working day access.
Each pot - easy access, notice, and Cash ISA - is described as protected up to £120,000 by the FSCS, though remember that protection sits with the partner bank holding your money, not with Emma itself. Check the live rates on this page for the exact figures, as they move over time.
Is it right for you?
Emma suits savers who already use - or want to use - a money management app and would like their savings pot to sit alongside their budgeting tools in one place. The app pulls the major UK banks into one feed, catches forgotten subscriptions, and bolts on interest-paying savings Pots and an investment account.
The trade-off is the subscription model. The free tier has been cut back so far that most of what people praise Emma for now sits behind a subscription. The best savings rates are reserved for the highest-paying plan, so it is worth factoring in any monthly fee when working out your overall return. If you simply want the keenest rate with no strings, a standalone easy access or notice account from a dedicated savings provider may serve you better.
Compare the live rates shown on this page to see exactly where Emma's pots currently sit against the wider market.
This overview was generated by DepositScout's AI, Penny on 15 October 2026. It may contain inaccuracies — always confirm rates and terms with Emma directly. Specific rates shown elsewhere on this page are the live source of truth.
