Tax-efficient savings

Save with an Emma Cash ISA Pot

Open a Cash ISA Pot to grow your money tax-efficient and save up to £20,000 each tax year, with easy access anytime.

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What is a Cash ISA?

A Cash ISA Pot is an individual savings account that lets you save your money in a tax-efficient  account. You get an annual allowance of £20,000, which resets at the start of each new tax year.

You’ll earn up to 3.44% AER (variable) in your Emma Cash ISA Pot. Rate shown is for Emma Ultimate. Rates on other plans are lower – see Compare plans.

Tax treatment depends on individual circumstances and may be subject to change in the future.

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Emma notification: You earned £124.14 interest on your Cash ISA Pot last monthISA allowance left this tax year: £10,000.00

What is a Cash ISA Pot?

A Cash ISA Pot is an individual savings account that lets you save your money in a tax-efficient account. You get an annual allowance of £20,000, which resets at the start of each new tax year.

You’ll earn up to 3.44% AER (variable) in your Emma Cash ISA Pot. Rate shown is for Emma Ultimate. Rates on other plans are lower – see Compare plans.

Tax treatment depends on individual circumstances and may be subject to change in the future.

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What else should I know about the Emma Cash ISA Pot?

Yes, it’s a “Flexible ISA”
Withdraw money and replace it within the same tax year, without eating into your annual ISA allowance.
You are responsible for monitoring your own ISA allowance to ensure that your deposits and withdrawals remain within HMRC limits for the tax year.
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.
From the 2024/2025 tax year, you can open more than one Cash ISA in a tax year.
Tax information
No Income Tax on returns. ISA allowance applies, you can save up to £20,000 per tax year across all your ISAs.
Tax treatment depends on your personal circumstances and is subject to change in the future.

Cash ISA Pot
 vs. Easy Access Pot

Tax
Limit
Access
Key benefits
Easy Access Pot
May pay Income Tax
No savings limit
Withdraw anytime
Flexible saving beyond ISA limit
Cash ISA Pot
Tax-free saving
£20,000 per tax year
Withdraw anytime
Tax-efficient saving
Tax treatment depends on your personal circumstances and is subject to change in the future.

Your money is protected

Save with confidence – your money is FSCS protected up to £360,000 in Cash ISA Pots for total peace of mind.

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Cash ISA Pot with a £932.00 balance and Withdraw and Deposit buttonsEmma app confirming FSCS protection of savings up to £360,000 in Cash ISA Pots

Your money is protected

Save with confidence – your money is FSCS protected up to £360,000 in Cash ISA Pots for total peace of mind.

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Multiple saving pots that work for your goals

Create unlimited savings pots, track savings progress and earn interest savings up to 3.44% AER (variable) with FSCS protection up to £360,000.

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Multiple saving pots that work for your goals

Create unlimited savings pots, track savings progress and earn interest savings up to 3.44% AER (variable) with FSCS protection up to £360,000.

Get started
Saving pots that work for your goals: Ibiza trip planSaving pot for a weddingEmma app displaying multiple savings pots with interest rates and individual progress barsEmma app displaying multiple savings pots with interest rates and individual progress barsEmma app displaying multiple savings pots with interest rates and individual progress bars
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Save with ease
Discover our 3 Autosave options. Combine them for ultimate saving power!
Autosave: custom deposit
Custom deposit
Set a recurring savings amount to consistently grow your pots and build your balance effortlessly.
Emma app tracking round-up savings from everyday transactions
Round ups
The smart feature that saves your spare change every time you spend.
Emma app AI savings feature suggesting automated deposits based on user spending habits
AI saving
Save without lifting a finger. Our AI calculates the perfect amount to add to your pots ensuring it won’t disrupt your expenses.
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