Organise your money with pots

Create up to 10 pots per account at one time. Top up your pot with as much money as you like and when you're ready to spend, you can create a virtual debit card to spend directly from your pot or move it back to your linked account.

If your pot is linked to a joint account, all parties will be able to access and manage pots.

Money in pots is separate from your linked account. Make sure you have enough money in your account to cover any transactions, even if there is money in your pots, otherwise these will be declined or you will go into your overdraft (charges may apply).

Top up your pot via your linked account. You can't use your overdraft to top up your pot.

Money in pots is separate from your linked account. If your linked account is overdrawn, you'll start to build interest costs, even if you have money in pots.

You can check overdraft charges via the 'My overdraft' feature in the app.

You can't earn interest on pots. If you'd like to earn interest on your money, take a look at our savings products.

Explore our savings accounts

When you open a pot, you can personalise it by giving it a name and adding your own image. Change your image anytime by tapping the edit icon on your individual pot image.

Your statement covers all pots linked to an accounts collectively, including any open and closed pots during this month.

Go to the top right of your pot, select the three dots and tap 'Close' at the bottom of the screen. Before you close your pot you'll need transfer any remaining money back into your linked account.

If there's any pending transactions on your pot, you won't be able to close it until these debit. If there's a virtual debit card linked to your pot, this will be cancelled automatically as part of the pot closure.

For more information on how virtual debit cards on pots work, visit our Pots FAQs.