Cash ISA

Emma Cash ISA Pot - Basic Review

An instant access cash ISA from Emma. It ranks 110th of 135 instant access cash ISAs we track.

Headline rate

1.91%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£0

Max balance

No limit

Access

Next working day

How It Stacks Up

Ranks 110th of 135

Instant access cash ISAs we track

Well below average
This account 1.91%
UK CPI (Aug 2026)
3.10%
Pays 1.19% less
Average instant access cash ISA
2.93%
Pays 1.02% less
Best instant access cash ISA
4.87%
Pays 2.96% less

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

A better-paying alternative

Trading 212 bank logo

Trading 212

Cash ISA

4.80%

AER

  • Pays 2.89% more than this Emma account
  • Includes a 1.20% bonus for 12 months, then 3.60%
Compare Cash ISAs

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A Good Fit For

  • Pro: Flexible: take money out and put it back in the same tax year without using more allowance

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

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Estimated returns with Emma's Cash ISA

What you could earn with Emma's Cash ISA Pot - Basic.

Estimated interest

£1,000 saved

£19.10

At 1.91% AER

£5,000 saved

£95.50

At 1.91% AER

£10,000 saved

£191

At 1.91% AER

£50,000 saved

£955

At 1.91% 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.

Our Expert Opinion on Emma Cash ISA Pot - Basic

Jan WatermannCo-Founder, DepositScout

The Emma Cash ISA Pot Basic pays 1.91%, which is below the market average for Cash ISAs and sits 3.34% behind the category leader at 5.25%, so this is a hard rate to recommend on numbers alone. It also falls 1.19% short of the current CPI rate of 3.1%, meaning your savings are losing real value. Access is next working day, which is reasonable, but if you want to stay within Emma, their Plus version pays 2.31%, and Monzo's Instant Access Cash ISA reaches 2.75%.

2 alternatives to Emma's Cash ISA Pot - Basic

Same type of account, closest on rate.

Common questions about the Cash ISA Pot - Basic

D

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