Notice Account

Emma 45-Day Notice Pot - Plus, Pro and Ultimate Review

A competitive notice account from Emma, needing 45 days' notice. It ranks 55th of 102 notice accounts we track.

45 days' notice

3.67%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 55th of 102

Notice accounts we track

Above average
This account 3.67%
UK CPI (Aug 2026)
3.10%
Pays 0.57% more
Average notice account
3.53%
Pays 0.14% more
Best notice account
4.40%
Pays 0.73% less

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

Compare notice accounts

Worth Weighing Up

  • Con: You need to give 45 days' notice to withdraw

Good to Know

This rate needs a paid Emma plan (Plus, Pro or Ultimate), from £4.99 a month or £41.99 a year.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Emma's Notice Account

What you could earn with Emma's 45-Day Notice Pot - Plus, Pro and Ultimate.

Estimated interest

£1,000 saved

£36.70

At 3.67% AER

£5,000 saved

£183

At 3.67% AER

£10,000 saved

£367

At 3.67% AER

£50,000 saved

£1,835

At 3.67% 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 - Plus, Pro and Ultimate

Jonny PeaseCo-Founder, DepositScout

This 45-day notice pot is available only to Emma Plus, Pro and Ultimate subscribers, so if you are not already paying for one of those tiers, the effective return is lower than the headline 3.67%. That rate sits below the notice account market average and is 0.73% behind the market leader at 4.40%, so it is hard to recommend on rate alone. It does beat August 2026 CPI of 3.1% by 0.57%, which is something, but Shawbrook's 45 Day Notice Account pays 3.77% and is worth checking first.

2 alternatives to Emma's 45-Day Notice Pot - Plus, Pro and Ultimate

Same type of account, closest on rate.

Common questions about the 45-Day Notice Pot - Plus, Pro and Ultimate

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