Cash ISA

Emma Cash ISA Pot - Plus Review

An instant access cash ISA from Emma. It ranks 94th of 135 instant access cash ISAs we track.

Headline rate

2.31%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 94th of 135

Instant access cash ISAs we track

Well below average
This account 2.31%
UK CPI (Aug 2026)
3.10%
Pays 0.79% less
Average instant access cash ISA
2.93%
Pays 0.62% less
Best instant access cash ISA
4.87%
Pays 2.56% 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 2.49% 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 rate needs an Emma Plus subscription: £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 Cash ISA

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

Estimated interest

£1,000 saved

£23.10

At 2.31% AER

£5,000 saved

£115

At 2.31% AER

£10,000 saved

£231

At 2.31% AER

£50,000 saved

£1,155

At 2.31% 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 - Plus

Jonny PeaseCo-Founder, DepositScout

Emma's Cash ISA Pot - Plus pays 2.31%, which is below the market average for Cash ISAs and sits 2.94% behind the category leader at 5.25%, so this is not a rate I would choose if maximising returns is the priority. It also falls 0.79% below CPI inflation of 3.1% (Aug 2026), meaning your money is losing real value. Access is next working day, which is reasonable, but if you want to stay within Emma's app, the Monzo Instant Access Cash ISA at 2.75% or Progressive Building Society's Clockwork Regular ISA Saver at 2.50% are worth a look first.

2 alternatives to Emma's Cash ISA Pot - Plus

Same type of account, closest on rate.

Common questions about the Cash ISA Pot - Plus

D

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