Frequently Asked Questions

All you need to know about Spend and Earn Card


About the AA Spend and Earn MasterCard® Prepaid Card


What is the AA Spend and Earn Card?

The AA Spend and Earn Card is a MasterCard prepaid card that provides a secure and simple way to manage your money.*

What is a prepaid card?

Prepaid cards look just like a credit or debit card, with a card number, chip and signature strip. But unlike credit cards – which provide you with a source of credit, and debit cards – which are linked to your bank account, you only spend what you load on the card, helping you to stay in complete control.

You can use the AA Spend and Earn Card at over 32 million locations and withdraw cash from over 1.5 million cash machines worldwide – wherever you see the MasterCard Acceptance Mark.

What is an AA Spend and Earn Card Account?

A new online account is set up when you register for an AA Spend and Earn Card. It acts like a secure online wallet that holds your loaded funds safely and then automatically releases them to your card when needed. The account can be managed online or over the phone, and offers a range of convenient features to help you manage your money. Note: This account may sometimes be referred to as an eccount.

Who provides the card?

The AA Spend and Earn Card is offered by AA Financial Services and provided by Tuxedo Money Plus Limited. The card is issued by Wirecard Card Solutions Ltd pursuant to licence by MasterCard International Incorporated.

Who is Tuxedo?

The AA Spend and Earn MasterCard prepaid card is provided by Tuxedo Money Plus Limited. Tuxedo Money Plus Limited is an approved MasterCard member service provider in the UK.


Costs, fees and tariffs


How much does my AA Spend and Earn Card and account cost?

The card and online servicing account is free.

What is the tariff?

See our card fees here.

Will I pay any fees if I do not use my AA Spend and Earn Card?

If you are an AA Member there is no dormancy fee, if not a dormancy fee applies. If you do not use your Card for a period of 90 days or more, you will incur a £1 administration fee the following month and every month thereafter until your card is active again.

Will I be paid interest?

No, the AA Spend and Earn Card is a MasterCard Prepaid Card and is subject to e-money regulations. Therefore interest is not paid on this product.


Your personal identity number (PIN)


How do I get my PIN?

To activate your card you must first obtain your PIN.

Call our secure automated PIN retrieval service and you will be prompted to follow five easy steps:

  1. Call 0845 872 0822
  2. Enter your nine-digit account number
  3. Enter the last four digits of your card number
  4. Enter the four-digit secret number supplied during registration
  5. Memorise the PIN that is read out by our automated system

How can I change my PIN?

You can change your PIN at most cash machines in the UK by inserting your AA Spend and Earn Card and following the on-screen instructions.


How to top up your card


How do I put money on to my AA Spend and Earn Card?

There are many ways to top-up your card:

  • Online by by debit or credit card via your online prepaid account
  • Free by bank transfer
  • At over 22,000 PayPoint locations and 12,000 Post Office branches
  • By having your wages or benefits paid into your account

Find Post Office and PayPoint branches.

Find full details of card fees here.

How long will my loaded funds take to clear?

When loading with a debit or credit card for the first time, it can take up to three working days for the funds to clear onto your Spend and Earn card. However, all subsequent loads using the same debit or credit card will clear on the same day.

Allow three working days for funds to clear following a bank transfer. Cash loads made at a Post Office will take one working day to clear, but PayPoint loads clear on the same day.

Can my employer pay my wages directly into my card account?

Yes, but we suggest you only attempt this if you have a £3,000 card limit. Cardholders with a £1,650 limit will need to upgrade. To do this, log in to your account and download the 'Salary and Wage Payment Form'. You will need to complete this form and give it to your employer. The maximum amount your employer can transfer is £2,000.


How to withdraw cash and make purchases


Where can I withdraw cash?

You can withdraw cash from any cash machine that carries the MasterCard Acceptance Mark.

How much cash can I withdraw each day?

The maximum amount you may withdraw per day from cash machines in the UK is £250. If you're withdrawing cash abroad, the maximum withdrawal amount is subject to the country's limits.

Can I use my AA Spend and Earn Card to get cash over the bank counter?

No. You can only use a cash machine.

Can I use my AA Spend and Earn Card to make purchases?

Yes. You can use your card wherever you see the MasterCard Acceptance Mark, as long as you have sufficient funds on your card.

What is a pre-authorisation?

A pre-authorisation is carried out when a merchant reserves money on a card to ensure payment for their services. Places such as restaurants and hotels do this quite often. For example, a pub or restaurant may pre-authorise a set amount when you open a tab at the bar. If your final bill is less than the pre-authorised amount it may take up to 14 days for you to receive the balance as a refund into your account.

Can I use my AA Spend and Earn Card to guarantee payments or make reservations?

If you are using your card for car hire, hotel reservations, general bookings or to guarantee a payment, the prepaid funds on your card will be pre-authorised and blocked for payment of the services that you request.

  • Some businesses – car hire and hotels in particular – may block more funds than you expect to use, and this will affect the available balance on your card.
  • The blocked funds will not be available for you to use until the final bill has been settled and cleared via MasterCard.
  • Usually the unspent amount is made available for use within a day or two of payment. However in some instances it can take up to 14 days for the transaction to be fully processed and for your card to be credited.

Can I use my card to make purchases using PayPal?

Yes. But note that when registering an AA Spend and Earn Card on PayPal, a 'pre-authorisation' is carried out to ensure your card is valid. In this case, a pre-authorisation means blocking a small amount of money on your card (usually less than £2) to check that there is available balance. The pre-authorisation expires after 15 days and is never collected from the card. Therefore, in order to register your card on PayPal, please ensure you have a minimum of £2 on your card.

Are there any outlets where I may not be able to use my AA Spend and Earn Card?

You may not be able to use your card if a retail outlet is unable to obtain authorisation for the amount you wish to spend. Your card may also not be accepted for the hire of a car. This may be due to the extended time period that can occur when a transaction is authorised and when money is deducted from your account. Alternatively, the difference can occur between the amount authorised and the amount subsequently claimed.

What address should I give when I purchase goods online, by mail order or by phone?

The billing address should be the address registered by the primary cardholder, even if you're an authorised user.

What is a pending transaction?

A pending transaction (sometimes called 'outstanding authorisation') is a temporary charge held against your available funds. It relates to:

  1. A transaction (purchase or cash withdrawal) you've made using your AA Spend and Earn Card which has been authorised for payment, but has not yet reached your account
  2. 'Reserved' funds requested by certain retailers. (eg when you check in to some hotels, they will take your AA Spend and Earn Card details for an 'authorisation transaction' that reserves enough funds to cover your bill)
  3. A payment or cash withdrawal you've made to your account that has not yet cleared

What happens to a pending transaction?

The pending transaction will either turn into a finalised transaction (purchase), or will be removed automatically within 14 days.

Do I need to do anything if I have a pending transaction on my account?

No. Having a pending transaction on your account is part of the process by which a purchase is charged to your account. However, if you think the pending transaction may relate to fraudulent use of your card, please contact us immediately.

How are my transactions authorised?

Retail outlets request authorisation via MasterCard. Tuxedo Money Plus Limited is linked to MasterCard via a processor which verifies that you have enough funds available on your AA Spend and Earn Card. If approved, the money is paid to MasterCard from the card, for settlement to the merchant. If there are not enough funds on your card, the transaction will be declined. At all times, only you or a designated person can see the balance available on your account.

What if I want to cancel a transaction or card authorisation?

In circumstances where it is possible to cancel an authorised transaction, for instance a hotel reservation, you must allow up to 30 days for a refund if the transaction has been authorised. After this time, a chargeback can be requested; proof of contact with the merchant is normally required. In the meantime you won't be able to use that money for other transactions.

When are transactions declined?

Transactions can be declined if the retailer can't verify online that there are enough funds in your account to cover the value of the transaction you are making, including any applicable charges.


Online servicing – managing your Spend and Earn Card


How do I reset my password?

To reset your password on the Online Servicing page go to the 'Security' tab and select 'Change password'.

How do I update my personal details?

If you are the account holder, you can update your mobile number and email address under the 'Account holder' tab. If you are a card holder, go to the 'Cardholders' tab.

How do I download my statement?

First, go to the 'Statement' tab and select the statement period you wish to retrieve. You can either print it, or save it on your computer by clicking 'Export'. The statement will be saved in a Microsoft Office Excel CSV file format.

How do I move funds to and from my account?

To move funds online, go to the 'Move funds' tab, select the source you wish to move money from and to, and then select the amount.

What is an account balance?

Your account balance shows unallocated funds, ie funds that have not been assigned to your card(s).

What is an available balance?

Available balance means cleared balance associated with your card that is available to spend instantly.

Can I order an additional card by logging in online?

An additional card can only be ordered by customers with a card with the upgraded £3,000 limit. These can be ordered online by going to the 'Additional cards' tab. You will be offered a choice of keeping the account/card balance to yourself, or sharing it with the new cardholder.

Find full details of applicable card fees here.

How do I check the available balance on my AA Spend and Earn Card / account?

To check your balance, log in to our online servicing, or call our automated service on 0845 872 0822.

You can also check your card balance by text. Text BAL XXXX (XXXX represents the last four digits of the long card number) to 80777 (+44 778 1474 776 if overseas).


Card security


How do I report that my card is lost or stolen?

If your card is lost or stolen, let us know as soon as possible:

  • Call us on 020 7078 2711, or +44 (0)20 7078 2711 if overseas. We will cancel your AA Spend and Earn Card and issue you with a replacement within seven to ten days.
  • Send us a text with LOST or STOLEN to 80777.

Phishing – and how to avoid it

We will never send an email to a customer requesting security or any other confidential information about the AA Spend and Earn MasterCard prepaid card. If you receive an email claiming to be from AA Financial Services, Tuxedo Money Plus Limited or Wirecard Card Solutions Ltd with a link to what appears to be the AA, Tuxedo or Wirecard Card Solutions Ltd website, do not enter your personal or account details. The AA, Tuxedo and Wirecard Card Solutions Ltd are in no way involved with this email and the website does not belong to us or Wirecard Card Solutions Ltd. Never reply to any such emails or disclose any personal information on such websites.

If you think you've received a fraudulent email that looks like it's from Tuxedo or Wirecard Card Solutions Ltd, please forward the entire email including the header and footer to security@eccount.com.

How safe is my money?

The Financial Services Compensation Scheme does not apply to the AA Spend and Earn MasterCard Prepaid Card. No other compensation schemes exist to cover losses claimed in connection with the AA Spend and Earn Card. So, in the event that Wirecard Card Solutions Ltd becomes insolvent, your funds may become valueless and unusable, which means that, as a result, you may lose your money.


Expiry and account closure


What should I do when my AA Spend and Earn Card expires?

This agreement will terminate 36 months from the account opening date. After this time the funds on your card will expire and become valueless, and you will need to reapply for an AA Spend and Earn Prepaid Card. If you have any unused funds on your old card, we will move these over to your new card. If you do not wish to apply for a new card, we will transfer any funds on your card back to you, after deducting a £10 cash out fee.

How do I close my account?

Contact us, call 0845 872 0822. Fees may apply, see terms and conditions for details.


AA Reward Points


How do I earn AA Reward Points?

You will earn AA Reward Points on all AA Spend and Earn Card purchases.

Is there a limit to the number of reward points I can earn?

No. You can continue to earn reward points throughout the year, and carry them forward from one year to the next.

When will my reward points expire?

Reward points expire two years from the end of the month in which they were earned.

Who can redeem my reward points?

Only the primary AA Spend and Earn Card/account holder may redeem reward points.

How will I know how many reward points I have accumulated?

Your reward points total appears online when you log on to your online servicing account.

Can I combine my reward points with any other scheme?

Yes, AA Spend and Earn Card reward points may be combined with AA reward points that you've earned using an AA Travel Currency Card or vice versa. You can also transfer these reward points to an AA (Visa) Credit Card rewards balance, on the condition that the credit card was issued by MBNA Europe Bank Limited.

Simply email us and let us know which prepaid card account you would like the points to be transferred from. Please include your name and address in the email.

How do I access my rewards programme?

You need to be enrolled in online servicing. Once enrolled you simply need to log in and click the 'Rewards' link on your online summary page. This will take you to your rewards website where you can view and redeem your reward points.

If you are logging into the AA Rewards website for the first time, you will need to use your nine-digit card account number for the Logon ID. Your password is also your nine-digit card account number, preceeded with the capital letters 'AA', eg AA123456789. Once logged in, you will be prompted to change your password to something more memorable, but your Logon ID will remain as your nine-digit card account number.

What happens if online servicing or my reward site isn't working?

If the website isn't working you can redeem your reward points over the phone by calling our dedicated Reward Points Help Desk on 0845 604 9609 Monday to Friday 8am to 8pm, and weekends 9am to 5pm (closed on Christmas Day and New Year's Day).

What kind of rewards can I use my reward points for?

You can redeem your points for a number of AA products, including AA Breakdown Cover, shopping vouchers, merchandise, experiences, and more.

How can I redeem reward points?

You need to be enrolled in online servicing. Once enrolled you simply need to log in and click the 'AA Reward Points' link which is displayed on every page. This will take you to the AA Rewards website where you can view and redeem your reward points.

If you are logging into the AA Rewards website for the first time, you will need to use your nine-digit card account number for the Logon ID. Your password is also your nine-digit card account number, preceeded with the capital letters 'AA', eg AA123456789. Once logged in, you will be prompted to change your password to something more memorable, but your Logon ID will remain as your nine-digit card account number.

Do shopping vouchers have an expiry date or any other restrictions?

No. There are no expiry dates on the vouchers.

Which retailers are offering shopping vouchers on my rewards programme?

You can redeem your reward points for wide selection of high street vouchers. For a full list, see the voucher section on the rewards website.

Are shopping vouchers transferable?

The shopping vouchers are not personalised and may be given or sent to someone else.

When earning points on fuel, do I have to use a specific filling station?

You can earn points on fuel with any AA Spend and Earn Card purchase when you fill your car with diesel, petrol or LPG Autogas from any petrol station (including supermarket petrol stations).

Which AA products can I earn points on?

You can earn points on any AA products and services advertised on theAA.com website, (excluding AA Getaways) that are bought directly from the AA.

When can I expect my cash back, once I have redeemed it?

Cash back will be applied to your AA Spend and Earn Card account within 28 days of redemption.

Can I redeem for reward items using part points and part cash?

Yes. Where the cash top-up option is available, simply select the amount you would like to pay in cash. (This top-up function is only available with payments made on your AA Spend and Earn Card).

Are there any reward items I can't use cash top up for?

Yes. Cash top up cannot be used on cash back, AA products or shopping vouchers.

When will my reward items be delivered?

Reward items will be delivered within 35 days of your order. Shopping vouchers will be dispatched within two working days.

Are delivery charges included in my reward redemption order?

All reward prices include a delivery charge. Some reward items will give you an option to collect from an Argos store; if this option is available it could reduce the overall price.

Which AA products can I redeem my points for?

You can redeem your points on a range of AA products including AA Home and Car Insurance policies, AA Breakdown Cover and European Breakdown Cover, AA Publishing, AA Driving School and AA Home Emergency Response.

How can I redeem reward points on AA Insurance, Home Emergency Response, AA European Breakdown Cover or a new AA Breakdown policy?

If you wish to use your reward points on an AA Home Insurance, Car Insurance, Home Emergency Response, European Breakdown Cover or new Breakdown policy, then please take out the policy and pay in full. Once you have received your policy documents, log on to the reward site and redeem your points against your chosen product. You will then receive a credit to your prepaid card for the amount that you choose to redeem.

How can I redeem reward points against the renewal of an AA Breakdown Cover policy?

If you wish to use your reward points towards the cost of your AA Breakdown renewal, then please renew and pay for your breakdown renewal in full in your normal way. Once you have received your policy documents, log on to the reward site and redeem your points against Breakdown – renewal of an existing policy. You will then receive a credit to your prepaid card for the amount that you choose to redeem.

How can I redeem my points against AA Driving School?

If you wish to use your reward points towards the cost of driving lessons with AA Driving School, please log in to the rewards site and select the AA Driving School option. You can purchase gift vouchers for AA Driving School in multiples of £25. Please allow 28 days for delivery of these gift vouchers. AA driving instructors will accept these vouchers as payment towards driving lessons with AA Driving School.

How can I redeem my points for AA Publishing items?

A wide range of items are available from AA Publishing. These include the latest atlases, lifestyle guides, travel guides, the Highway Code and many more. There is also a range of 'motoring essentials' such as breakdown kits or first aid kits. Log in to the reward scheme and select any items you would like to choose from the AA Books, Maps and Car Essentials section. The item you have chosen will be dispatched to you within 28 days.

What happens to my points once I have redeemed them?

Once you have chosen the products or services you wish to use your points on, the points will be deducted from your points total and will be shown on your statements and online servicing pages. You can start collecting points again once you resume spending on your prepaid card.


Contact us


How can I contact the AA Spend and Earn team?

You can email Customer Service 24 hours a day. We aim to respond to all queries within 24 hours. Or you can call 0845 872 0822. Lines are open between 9am and 6pm Monday to Friday (excluding bank holidays). Outside of these hours, you will be able to use the automated telephone service.

Calls to Customer Service will be charged. For your call charges, please check with your service provider. 0845 calls from a BT landline are charged at a local rate. Calls made using other service providers or mobiles may vary.


* The prepaid card is an electronic money product and although it is a product regulated by the Financial Services Authority, it is not covered by the Financial Services Compensation Scheme. No other compensation scheme exists to cover losses claimed in connection with the prepaid card. This means that in the event that Wirecard Card Solutions Ltd becomes insolvent your funds may become valueless and unusable and as a result you may lose your money.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Inc. The card is issued by Wirecard Card Solutions Ltd ('WDCS') pursuant to licence by MasterCard International Inc. WDCS is authorised by the Financial Services Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051).

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