ISAs applied for on or after 6 October 2015
The AA ISA is provided by OneFamily. Money in this AA ISA is deposited with Bank of Ireland UK.
Manage your account
Lines are open Monday to Friday 9am to 7pm, Saturday 9am to 1pm. We’re closed Sundays and bank holidays.
Landline calls cost standard UK rate. Calls from mobiles vary.
Lines are open Monday to Friday 9am to 7pm, Saturday 9am to 2pm.
Landline calls cost standard UK rate. Calls from mobiles vary.
Log in and select 'Manage your details' from the menu.
From here you can change your 6 digit security number. When choosing a new number we recommend you:
I've forgotten my log in details
If you've forgotten your 6 digit security number, or locked yourself out of your accounts, call us on 0345 266 0001.
We'll send you a new security number by post. This may take a few days to arrive.
If you've forgotten your User ID, call us on 0345 266 0001, and we will re-confirm over the phone.
It is important we hold up-to-date and correct personal details for you.
Log in and select 'Manage your details' from the menu.
To keep your money safe, we'll link all your AA savings to one UK bank or building society account in your name(s).
All deposits must be made from this account. We can't accept deposits from any other account.
All withdrawals will be sent back to this account
You can make internal transfers between your AA savings accounts.
How do I change my linked account?
Log in and select 'Manage your details' from the menu.
From here you can change your linked account.
For your security, when you change your linked account, your new linked account won't be available for withdrawals for a short while – we'll tell you the exact date when you make the request.
Meanwhile, you can still send deposits from, and making withdrawals to, your existing linked account.
This will depend on when you ask us to make the withdrawal.
If you ask us to take money out before 5pm on a business day it will reach your linked account the following business day. If you ask between 5pm and midnight, it will take two business days.
There is a daily limit of up to £50,000 if you make a withdrawal over the phone.
Log in and choose the account you wish to close.
Select either 'Withdraw to linked account' or 'Transfer between AA accounts', depending on whether you would like the closing balance to be sent to your linked account or another AA savings account.
Instead of entering a withdrawal amount on this page simply tick the 'Close this account' tick box.
Payments from your linked account
You'll need your AA savings account number and sort code to hand.
Use the internet or telephone banking service of the bank or building society that you hold your linked account with, and set up a payment to your AA savings account.
You can make one-off payments or set up a regular payment by standing order.
Internal transfers
You can make internal transfers between your AA savings accounts (excluding AA ISA products) at any time.
Log in and choose the account you wish to make the internal transfer from, and select 'Transfer between AA accounts'.
Withdrawals
Log in and choose the account you wish to make the withdrawal from, and select 'Withdraw to linked account'.
We can accept an Enduring Power of Attorney or a Property and Financial Affairs Lasting Power of Attorney registered with the Court of Protection. This provides the authority for your representative to open and manage accounts on your behalf.
We can't provide any advice about this so please contact your legal adviser. We will not normally accept any other form of third party authority.
Both the donor and representatives will be subject to our standard account opening checks. We will also need to see an original or certified copy of the Enduring Power of Attorney or Property and Financial Affairs Lasting Power of Attorney document.
For more information please call us on 0345 266 0001.
How do I notify the passing of an account holder?
We need the personal representative of the deceased account holder to send a certified copy of the death certificate to:
FREEPOST AA Savings
If you have a complaint, tell the AA Customer Care team.
AA Customer Care, PO Box 3191, Bristol BS1 9HY
Phone 0345 266 0001
If you're still unhappy, you can contact the Financial Ombudsman Service.
Making a complaint will not affect your legal rights.
The Financial Ombudsman Service, Exchange Tower, London E14 9SR
Phone 0800 023 4567 Monday to Friday 8am to 5pm, Saturday 9am to 1pm
Email [email protected]
An ISA is an Individual Savings Account. There are different types available, and for an up-to-date list visit Individual Savings Accounts.
You can deposit up to the maximum annual ISA limit set each tax year (that's from 6 April to 5 April) subject to contributions in other types of ISAs. The annual limit for the 2024/2025 tax year is £20,000.
For example, if you deposit half of this year's limit in a cash ISA with one provider, you can invest the other half into a stocks and shares ISA with the same or another ISA provider.
Transferring your existing savingsThe interest earned in an ISA is tax-free. This means that the interest paid to you will be free of UK income tax and capital gains tax.
The tax advantages depend on your individual circumstances, and the tax treatments of ISAs may change in the future.
You can only manage your AA ISA online.
Once your account is open you can either:
You will be able to change your residential address, email address and telephone numbers yourself. If any other personal details need updating you can request these changes by sending a secure message.
Every ISA comes with a Holding Account, which is a temporary home for your money. Your savings will be placed here when products are closed, such as at the end of the term of a fixed rate product.
You can use the Holding Account for:
Consolidating funds
You can only fund some products with a single deposit within the AA ISA (such as fixed rate products). If you have a number of ISAs with different providers, you could transfer all the funds to the Holding Account. This then gives you a single, larger sum to use as a single deposit.
Splitting funds
You can use a lump sum deposit to pay for the opening of multiple products by paying this into the Holding Account. You can then use the funds in the Holding Account across a number of products.
For example, if you had £20,000 available you could split this to account for your needs, such as paying:
Please note, the products or rates of interest available can be changed or withdrawn at any time.
There's a risk that the product, or rate of interest you want, will no longer be available by the time funds are received if you are consolidating them in the Holding Account.
Standard services – no charge (as described in the terms and conditions in the Key Information Pack).
Fixed rate products – early closure incurs a breakage charge.
Early enclosure refers to the transfer or closure of your ISA while you have funds in a fixed-rate product still within its fixed term.
An early clousure breakage charge applies when closing or transferring a product:
There is no breakage charge if you close your product within 14 days of opening it.
Further breakage charge details are in the Summary Box.
Please note, charges may change in the future. See the Key Information Pack for more details about charges, and changes to charges, for the ISA.
To make a withdrawal, log in to your account and select the product you wish to withdraw money from. You can select your product from either the ISA Summary screen or the Withdrawals and Closures menu.
Easy Access products and the Holding Account do not have any restrictions on the number of withdrawals that can be made.
Accessing money within a Fixed Rate product
Withdrawals are not permitted during the fixed term of a Fixed Rate product. To access the money you will need to close the product, which will incur a breakage charge. The breakage charge amount will be displayed on the Confirm your product closure page.
What happens if you incur a breakage charge
If the interest you've earned does not cover the breakage charge, then you'll get back less than you invested.
You won't incur a breakage charge if you close your product within 14 days of opening it.
If you move funds into your nominated account, or close your ISA, your money will no longer benefit from the tax advantages of ISAs in the future. If you have not yet verified your nominated account details, you will need to provide proof of your account details to proceed.
When you apply for the ISA, you'll be asked to select an available product to open within your account. This could include Easy Access products, Fixed Rate products and the Holding Account. If you plan to split your deposit or ISA transfer across multiple products, you'll need to choose the Holding Account at account opening.
Once your ISA is set up and the funds are received, you'll be able to log in to your ISA and move your funds from the Holding Account to the products you wish to open.
Please note that the products or rates of interest available can be changed or withdrawn at any time. There is a risk that the product or rate of interest you want will no longer be available by the time funds are received if you are consolidating them in the Holding Account.
The Deposit Information Sheet contains:
NatWest account holders, please note the money you hold in other accounts with NatWest will count towards compensation limits.
To find out more about how your money is protected when it's held in a bank or building society account, read the 'What we cover' section on the Financial Services Compensation Scheme (FSCS) website.
OneFamily is the ISA Manager for the AA ISA. They manage and service the ISA on our behalf.
Money paid into the ISA is held by OneFamily and deposited with Bank of Ireland (UK) plc.
OneFamily is a trading name of Family Investment Management Limited and Family Equity Plan Limited, which are authorised and regulated by the Financial Conduct Authority. Their registered address is 16-17 West Street, Brighton BN1 2RL.
Bank of Ireland UK
Their principal place of business: Bow Bells House, 1 Bread Street, London EC4M 9BE.
The product is exclusively available to AA members. An AA member is a customer that has arranged breakdown cover directly with the AA and not as part of a bank or vehicle manufacturer partnership program.
When you apply for the ISA, you'll be asked for details of your nominated account. This is usually your current account, and must be a UK personal building society or bank account in your name (sole or joint).
Any payments out of your ISA (for example if you make a withdrawal, or close it), will be sent to this account.
Why OneFamily need to verify your nominated account details:
How your nominated account details are checked
Your nominated account details will be checked electronically when your account is opened.
If your nominated account details can't be checked electronically, you'll be asked to send further supporting information, such as a current statement, by post.
Please note that funds can only be paid out to a checked nominated account. If your account has not been checked when you request a withdrawal, your funds will be delayed.
Changing your nominated account details
To change your nominated account, log in to your AA ISA and send the new details by secure message. New details will be checked before withdrawals can be made.
Once your email is validated, you will receive a notification email every time you are sent a secure message.
You'll not receive email notifications about your account until you have successfully validated your email address.
For fraud prevention, and for OneFamily to comply with anti-money laundering legislation.
OneFamily may also ask for identification to be provided at other times. If they do not receive adequate identification, your deposit may not be accepted. They may also withhold the proceeds of any withdrawals, transfers or account closure.
You need to:
I've forgotten my log-in details
If you can't remember your password you can reset this online. If you can't remember your username or memorable question, please contact customer services on 0333 2205069 and they'll be happy to help.
Lines are open Monday to Friday 9am to 7pm, Saturday 9am to 1pm. Calls may be monitored and call charges may apply.
Secure messages and email notifications
You will have given your email address while setting up your account. If this has been validated, then you'll receive a notification email every time you are sent a secure message.
If your email address hasn't been validated, you will not receive email notifications about your account until it is.
You can't transfer funds directly from another AA Savings account into the ISA, unless it is another ISA you already hold with us.
You can withdraw the funds from an AA Savings account then pay in to the ISA using a cheque or debit card. Check whether withdrawing funds from your existing AA Savings account will incur any charges.
Follow the on-screen instructions when you ask for an ISA transfer. You may need to print out relevant documents and send them in the post.
Please note our ISA is a cash ISA. Once your stocks and shares ISA is transferred, these will become cash ISA funds. Please check whether your current provider will charge a fee to transfer your existing ISA to us.
No, currently we're not able to accept transfers from innovative finance or Lifetime ISAs.
You can transfer existing AA ISAs in the same way as any other ISA.
When you are given the option to select how you wish to fund a new or existing product:
Contact the ISA manager if you're unsure whether you'll be charged a fee for transferring your existing AA ISA.
You have 14 days to cancel your ISA from when you open it.
You can tell us you wish to cancel your ISA by logging in and sending a secure message.
What happens when you cancel:
Any returned deposits will not be regarded as having been paid into the ISA, and so will not count towards your ISA allowance for the current tax year.
You can't cancel individual products that you have opened.
Your 14 day cancellation rights only apply to the whole ISA, not individual products held within the ISA.
However, you can request to close any product held within your ISA at any time (some products will also allow you to make a partial withdrawals from them).
You can request a withdrawal or close a product by logging into your ISA account. When you do this, you can request the money be paid either to your nominated account or to the Holding Account of your ISA.
Closing a product – tax considerations:
Closing a product – charges and restrictions:
You can change your email address, residential address and telephone number by logging in to your AA ISA and visiting the 'Personal Details' page.
Change of name or date of birth
You'll need to provide certified evidence of the change – please see 'How to certify your documents' for guidance.
Post your certified documents to:
AA Savings, PO Box 5417, Brighton BN50 8HP
To change your nominated account, log in to your ISA and send the new details by secure message. New details will be checked rather than verified before withdrawals can be made.
If you wish to complain to OneFamily, please contact their customer service team by:
They aim to resolve your complaint as quickly as possible, but a reply may take up to five working days.
Within their first contact, OneFamily will send you a summary of the procedures that they will follow when dealing with your complaint.
If you are not satisfied with the response to your complaint, you may be able to refer it to the Financial Ombudsman Service. Making a complaint won't affect your legal rights.
Contact the Financial Ombudsman Service:
† Calls may be monitored. Lines are open Monday to Friday 9am to 7pm, Saturday 9am to 1pm. Call charges may apply.
Please remember, the tax advantages of savings depend on your individual circumstances, and the tax treatment of ISAs may change in the future.
An AA member is a customer that has arranged breakdown cover directly with the AA and not as part of a bank or vehicle manufacturer partnership program.
AER stands for Annual Equivalent Rate, which shows what the interest rate would be if interest was paid and added to your account each year.
A charge for early closure of a Fixed Rate product. Early closure includes closing a Fixed Rate product while it's within a fixed term, or transferring or closing your AA ISA while a Fixed Rate product is within a fixed term. Early closure does not include closures made within the first 14 days of a product being opened.
A fixed rate of interest doesn't change during the fixed term.
Gross rate means that we'll not deduct tax automatically from your interest. You're responsible for paying any tax due to HM Revenue and Customs.
A linked account is a UK bank or building society current account in your name(s) that we link to your savings account. All deposits must be made from this account, and all withdrawals will be sent back to it.
A Nominated Account is a current account that we link to your savings account so that you can make payments out of your AA ISA safely and securely. If you make a withdrawal, or close your AA ISA, your money will be sent to this account. It must be a UK personal bank or building society account in your name(s) that accepts Direct Credits.
Tax free means the interest paid will be free from UK Income Tax and Capital Gains Tax.
A variable rate of interest can go up or down.
Deposit protection
Your eligible deposits with Bank of Ireland (UK) plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme.
This limit is applied to the total of any deposits you have with the following: Bank of Ireland UK, Post Office, and savings accounts under the AA Savings brand provided by Bank of Ireland UK. Any total deposits you hold above the £85,000 limit between these brands are unlikely to be covered.
To find out more, download the booklet How FSCS Protects Your Money or visit the FSCS.