Easy Access

Emma Easy Access Pot - Plus Review

An easy access account from Emma. It ranks 124th of 197 easy access accounts 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

Interest paid

Daily

How It Stacks Up

Ranks 124th of 197

Easy access accounts we track

Well below average
This account 2.31%
UK CPI (Aug 2026)
3.10%
Pays 0.79% less
Average easy access
2.86%
Pays 0.55% less
Best easy access
5.50%
Pays 3.19% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 2.24% more than this Emma account
  • Instant access, open with £10
Compare Easy Access Accounts

We may earn a commission if you open this account.

A Good Fit For

  • Pro: Savers who want instant access

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

See all Emma accounts

Estimated returns with Emma's Easy Access

What you could earn with Emma's Easy Access 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.

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

Our Expert Opinion on Emma Easy Access Pot - Plus

Jan WatermannCo-Founder, DepositScout

Emma's Easy Access Pot Plus pays 2.31%, which sits below the easy access market average and 2.69% behind the category leader at 5.00%, so this is not a rate to get excited about. It also falls 0.79% short of the current CPI rate of 3.1%, meaning your money is losing purchasing power in real terms. Access is next working day rather than instant, which is a meaningful catch given that better-paying accounts often move money faster. If you are already an Emma user, Monzo's Select Access Savings at 3.15% is worth a look instead.

2 alternatives to Emma's Easy Access Pot - Plus

Same type of account, closest on rate.

Common questions about the Easy Access Pot - Plus

D

DepositScout Alerts

Example alert

Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Example Easy Access Saver Rate Down
4.20% AER
4.75%
View Best Rates
Live Market Tracking

Be the first to know when this Emma rate drops.

Join 1,000+ savers using DepositScout who get instant email alerts when top UK savings rates change. Never miss out on a better deal again.

Takes 30 seconds · No spam · Unsubscribe any time