Notice Account

Emma 45-Day Notice Pot Review

A notice account from Emma, needing 45 days' notice. It ranks 89th of 102 notice accounts we track.

45 days' notice

2.53%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£0

Max balance

No limit

Notice

45 Days

Interest paid

Daily

How It Stacks Up

Ranks 89th of 102

Notice accounts we track

Well below average
This account 2.53%
UK CPI (Aug 2026)
3.10%
Pays 0.57% less
Average notice account
3.53%
Pays 1.00% less
Best notice account
4.40%
Pays 1.87% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

Compare notice accounts

Pros and cons

  • Pro: New and existing savers
  • Con: You need to give 45 days' notice to withdraw

Good to Know

This is the rate on Emma's free Basic plan. Paid plans (Plus, Pro, Ultimate) earn more.

Please verify all details with the provider – see our Disclaimer

See all Emma accounts

Estimated returns with Emma's Notice Account

What you could earn with Emma's 45-Day Notice Pot.

Estimated interest

£1,000 saved

£25.30

At 2.53% AER

£5,000 saved

£127

At 2.53% AER

£10,000 saved

£253

At 2.53% AER

£50,000 saved

£1,265

At 2.53% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Emma 45-Day Notice Pot

Jan WatermannCo-Founder, DepositScout

Emma's 45-Day Notice Pot pays 2.53%, which sits below the notice account market average and 1.87% behind the category leader at 4.40%, so this is a hard rate to recommend on price alone. At 2.53% it also falls 0.57% below August 2026 CPI of 3.1%, meaning your money loses purchasing power in real terms. The 45-day notice period is the main practical catch, as you cannot access funds quickly if you need them. If you are already an Emma user on a paid plan, the Plus, Pro and Ultimate version of this same pot pays 3.67%, which is a more defensible rate.

2 alternatives to Emma's 45-Day Notice Pot

Same type of account, closest on rate.

Common questions about the 45-Day Notice Pot

D

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