Invest with an Emma General Investment Account
Open a General Investment Account to invest in 25+ funds from leading global providers, with no contribution limits and easy access to your money anytime.
Capital at risk.
What is a General Investment Account?
A General Investment Account is the simple, limit-free way to put your money to work.
With Emma, you can build a portfolio that reflects your values, choosing from a diverse lineup of assets that cover emerging technology, green energy, and the world’s biggest markets. Capital at risk.
What else should I know about the Emma General Investment Account?
Start small
You can start investing with as little as £1, no large upfront deposits needed.
The value of your investments can go down as well as up, and you may get back less than you put in.
Who can open an account
You must be aged 18 or over, live in the United Kingdom, and hold a valid UK bank account in your own name.
US citizens and residents of the Channel Islands are not eligible.
Tax information
Capital Gains Tax applies only to profits above £3,000, as GIAs don’t have ISA tax benefits.
Tax treatment depends on your personal circumstances and is subject to change in the future.
General Investment Account vs. Stocks & Shares ISA
| GIA | Stocks & Shares ISA | |
|---|---|---|
| Tax | May pay Capital Gains or Income Tax | Tax-free investing |
| Limit | No investment limit | £20,000 per tax year |
| Access | Withdraw anytime | Withdraw anytime |
| Key benefits | Flexible investing beyond ISA limit | Tax-efficient investing |
Tax treatment depends on your personal circumstances and is subject to change in the future.
Explore funds and ETFs across global markets
Choose from ready-made funds created by investment professionals, explore themed funds, or diversify with ETFs covering the UK, US, Europe and emerging markets.
We offer a curated selection from leading providers including Fidelity, HSBC, Vanguard, Legal & General, VanEck, BlackRock and iShares.
Capital at risk.
FSCS protection
Eligible investments may be protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person, per firm if the firm fails and your assets cannot be returned.
FSCS protection does not cover losses from investment performance, or if you get back less than you originally invested.
SECCL custody
Emma works with SECCL to safeguard your investments.
Seccl Custody Limited is authorised and regulated by the Financial Conduct Authority and is wholly owned by Octopus Group.
Let professionals do the hard work for you
Choose from ready-made funds managed by leading providers, with different levels of risk.
You choose what suits you, without needing to pick individual funds.
Explore themed funds
Choose from a range of themed funds that track specific sectors or investment themes — such as technology, healthcare, sustainability, commodities and more.
Each fund focuses on a particular area of the market, allowing you to invest in sectors that interest you or align with your preferences.
Themed funds can be more concentrated and may be more volatile than broader market funds. Make sure you understand the risks before investing.
Diversify with geographic funds
Invest in funds that focus on different parts of the world to spread risk and capture global opportunities.
Choose from a range of geographic funds that cover regions such as the UK, US, Europe, Asia, and emerging markets.
By investing across countries and regions, you can build a balanced portfolio that’s not tied to one economy.
3.00% AER
Earn 3.00% interest on your cash
Make every penny work harder. With Emma, your uninvested cash doesn’t just sit idle, it earns 3.00% AER while you decide where to invest.
You can withdraw anytime, or move your money into funds whenever you’re ready.
General investment account fees
Our fees are simple and transparent. Your plan determines your annual AUM fee.
| Plan | AUM fee |
|---|---|
| Emma Ultimate | 0.10% |
| Emma Pro | 0.20% |
| Emma Plus | 0.45% |
| Emma Basic | 0.60% |
£0 trading charges (no fees on ETFs or fund buys/sells), fund provider charges (TER) are included in each ETF/fund’s price.
No hidden fees. Capital at risk.
Frequently asked questions
A flexible investment account with no contribution limits. Capital gains and income may be subject to tax.
Make a one-off investment straight from your bank app via Open Banking or by Direct Debit. You can also set up a regular investment by Direct Debit.
Withdrawals take up to 3 working days and are paid directly to the primary bank account.
Your annual platform fee depends on your Emma plan: Emma Ultimate: 0.10% AUM Emma Pro: 0.20% AUM Emma Plus: 0.45% AUM Emma Basic: 0.60% AUM There are £0 trading charges on ETF or fund buys and sells. Each ETF or fund also has its own ongoing fund charge (TER), which is included in the fund’s price. Capital at risk.
Yes. In a GIA, capital gains above the annual CGT allowance (£3,000 per tax year) may be taxable. Emma does not provide tax advice.
Orders are placed once per day and executed at the next available fund price. Prices may differ from when the order is placed.
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