Easy Access

Emma Easy Access Pot Review

An easy access account from Emma. It ranks 143rd of 197 easy access accounts 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

Interest paid

Daily

How It Stacks Up

Ranks 143rd of 197

Easy access accounts we track

Well below average
This account 1.91%
UK CPI (Aug 2026)
3.10%
Pays 1.19% less
Average easy access
2.86%
Pays 0.95% less
Best easy access
5.50%
Pays 3.59% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 2.64% more than this Emma account
  • Instant access, open with £10
Compare Easy Access Accounts

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A Good Fit For

  • Pro: Savers who want instant access

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

See all Emma accounts

Estimated returns with Emma's Easy Access

What you could earn with Emma's Easy Access Pot.

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.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Emma Easy Access Pot

Jan WatermannCo-Founder, DepositScout

The Emma Easy Access Pot pays 1.91%, which is below the market average for easy access accounts and 3.09% behind the current market leader at 5.00%. It also sits 1.19% below CPI inflation of 3.1%, meaning your money is losing purchasing power in real terms. Access is next working day rather than instant, which is worth noting for a rate that does not compensate for the wait. If you want to stay within Emma, their Easy Access Pot - Plus pays 2.31%, or Monzo's Select Access Savings reaches 3.15%.

2 alternatives to Emma's Easy Access Pot

Same type of account, closest on rate.

Common questions about the Easy Access Pot

D

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4.20% AER
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