Cash ISA

Emma Cash ISA Pot - Pro Review

A competitive instant access cash ISA from Emma. It ranks 65th of 135 instant access cash ISAs we track.

Headline rate

3.18%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 65th of 135

Instant access cash ISAs we track

Above average
This account 3.18%
UK CPI (Aug 2026)
3.10%
Pays 0.08% more
Average instant access cash ISA
2.93%
Pays 0.25% more
Best instant access cash ISA
4.87%
Pays 1.69% 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 1.62% 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 Pro subscription: £9.99 a month, or £83.99 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 - Pro.

Estimated interest

£1,000 saved

£31.80

At 3.18% AER

£5,000 saved

£159

At 3.18% AER

£10,000 saved

£318

At 3.18% AER

£50,000 saved

£1,590

At 3.18% 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 - Pro

Jan WatermannCo-Founder, DepositScout

Emma's Cash ISA Pot - Pro pays 3.18%, which is below the market average for Cash ISAs and sits 2.07% behind the category leader at 5.25%, so I would not call this rate strong by any measure. It does just edge above August 2026 CPI inflation at 3.1%, leaving a real return of 0.08%, which is better than nothing but hardly compelling. Access is next working day, which suits savers who want flexibility, but if you are comfortable with that trade-off I would still check Sidekick's Cash ISA at 3.23% or Swansea Building Society's Instant Access Cash ISA at 3.25% before settling here.

2 alternatives to Emma's Cash ISA Pot - Pro

Same type of account, closest on rate.

Common questions about the Cash ISA Pot - Pro

D

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