Cash ISA

Emma Cash ISA Pot - Ultimate Review

A competitive instant access cash ISA from Emma. It ranks 53rd of 135 instant access cash ISAs we track.

Headline rate

3.44%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 53rd of 135

Instant access cash ISAs we track

Above average
This account 3.44%
UK CPI (Aug 2026)
3.10%
Pays 0.34% more
Average instant access cash ISA
2.93%
Pays 0.51% more
Best instant access cash ISA
4.87%
Pays 1.43% 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 1.36% 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 Ultimate subscription: £14.99 a month, or £124.99 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 - Ultimate.

Estimated interest

£1,000 saved

£34.40

At 3.44% AER

£5,000 saved

£172

At 3.44% AER

£10,000 saved

£344

At 3.44% AER

£50,000 saved

£1,720

At 3.44% 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 - Ultimate

Jan WatermannCo-Founder, DepositScout

The Emma Cash ISA Pot - Ultimate pays 3.44%, which is below the market average for Cash ISAs and sits 1.81% behind the category leader at 5.25%, so I would not call this a standout rate. That said, it does edge 0.34% above CPI inflation of 3.1% (Aug 2026), meaning your money is at least growing in real terms. Access is next working day, which suits savers who want flexibility, but anyone prioritising the best return should look elsewhere before settling here.

2 alternatives to Emma's Cash ISA Pot - Ultimate

Same type of account, closest on rate.

Common questions about the Cash ISA Pot - Ultimate

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