💰 New: 120-Day Notice Pot, 4.31% AER (variable) on every plan

Emma News & Updates
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Some savings you know you won’t need for months: a house deposit, next year’s tax bill, a wedding. We’ve added a pot for that money. The 120-Day Notice Pot pays 4.31% AER (variable), and the rate is the same on every Emma plan, including free.

How it works

  • Give 120 days’ notice to withdraw. Your money keeps earning interest during the notice period.
  • Interest is calculated and paid daily.
  • Start from £1, up to £500,000.
  • Your money is held with OakNorth Bank through Bondsmith. Eligible deposits are FSCS protected up to £120,000 per person, per bank, including any other money you hold with OakNorth.

How to open one (UK only):

  1. Go to the Save tab.
  2. Tap Create pot.
  3. Choose 120-Day Notice Pot.

If you might need the money at short notice, the Easy Access Pot is still the better fit. More details are in the blog post and the help centre.

Let us know below what you think, or if anything looks wrong.

The rate is variable and may change. Withdrawals require 120 days’ notice. Full terms at emma-app.com/pots-terms.