Card Fees

The following fees apply when using the AA Spend and Earn MasterCard^® Prepaid Card.

AA Spend and Earn Mastercard prepaid card
UK
Purchase transactions	Free
ATM withdrawals*	£1.50
Abroad
Purchase transactions	Free
ATM withdrawals	£2.25
Top-up fees and limits
Bank transfer	Free (maximum load £2,000)
Debit card**	Free (maximum daily load £750)
Credit card**	Free (maximum daily load £750)
Post Office ^®	99p per load (maximum single load £250)
PayPoint	3% of load value (maximum single load £249)
Card limits	No proof of identity needed	Proof of identity needed
Maximum card balance	£1,650	£3,000
Maximum monthly load	£1,500	£5,000
Maximum load in any 12 months	£1,500	not applicable
Maximum daily ATM withdrawal	£250	£250
Maximum daily ATM withdrawal in any 12 months	£500	not applicable
Maximum single transaction	£650	£1,500
Information and alerts
Online balance and transactions	Free
Load alerts by email	Free
Online card to card transfer	20p
Customer care
Customer care	Local call rate
Lost and stolen line	Local call rate in the UK, standard network rates if abroad
SMS services
Check balance by text	No extra charge – standard network rates apply
Load alerts	8p
Card to card transfers	20p
Lock your card	20p
Unlock your card	20p
Other charges
Additional/replacement card	£4.99
Refund transaction	Free
Lost and stolen replacement card	£4.99
Paper statement	£10
PIN issue/re-issue	Free
Dormancy fee*** (excludes AA Members)	£1
Investigation fee	£20
Closure
Cancellation or redemption	£10 cash out fee
Expiry	Card valid 36 months

AA Spend and Earn Card

Find out even more about the new AA Spend and Earn Card.

About the card How to use your card AA Reward Points FAQs Terms and conditions Card fees Customer service

Products & services

Find the right product or service from our list.

Internet savings account Fixed-rate savings account Personal loans

Financial news

From the latest press releases to useful websites, this section gives up to date information and news.

Latest news from the AA FSA regulatory body

* When you use your card at an ATM, you may be subject to applicable fees, surcharge rules and regulations of the relevant ATM, or other financial institution or association. The ATM should advise you of this before you confirm the withdrawal.

** Loading by debit and credit card is only possible for card holders with a £3,000 limit card.

*** If you do not load or use your card for a period of three consecutive months, you will incur a £1.00 administration fee the following month and every month thereafter until your card is active again. This fee does not apply to card holders with current AA Breakdown membership.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated and affiliates. The AA Spend and Earn MasterCard Prepaid Card is issued by Newcastle Building Society (NBS) pursuant to licence by MasterCard International. NBS is authorised and regulated by the Financial Services Authority as an issuer of e-money (registration no. 156058).

The AA Spend and Earn MasterCard Prepaid Card is arranged by AA Financial Services Limited, registered in England and Wales number 912211. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA.