Easy Access

Emma Easy Access Pot - Ultimate Review

A competitive easy access account from Emma. It ranks 82nd of 197 easy access accounts 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

Interest paid

Daily

How It Stacks Up

Ranks 82nd of 197

Easy access accounts we track

Above average
This account 3.44%
UK CPI (Aug 2026)
3.10%
Pays 0.34% more
Average easy access
2.86%
Pays 0.58% more
Best easy access
5.50%
Pays 2.06% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 1.11% more than this Emma account
  • Instant access, open with £10
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A Good Fit For

  • Pro: Savers who want instant access

Good to Know

This rate needs an Emma Ultimate subscription: £14.99 a month, or £124.99 a year.

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Estimated returns with Emma's Easy Access

What you could earn with Emma's Easy Access 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.

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

Our Expert Opinion on Emma Easy Access Pot - Ultimate

Jan WatermannCo-Founder, DepositScout

Emma's Easy Access Pot - Ultimate pays 3.44%, which sits below the easy access market average and 1.56% behind the category leader at 5.00%, so this is not a rate I would describe as competitive. It does at least beat August 2026 CPI of 3.1% by 0.34%, meaning your money holds real value in a modest way. The no minimum balance and next-working-day access make it reasonable for someone who wants a simple pot without restrictions, but if rate is your priority, you can do better elsewhere in the easy access space.

2 alternatives to Emma's Easy Access Pot - Ultimate

Same type of account, closest on rate.

Common questions about the Easy Access Pot - Ultimate

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