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Savings Interest Rates

A new way to grow your savings

The AA ISA is provided by OneFamily. Money in this AA ISA is deposited with Bank of Ireland UK.

Why get a savings account with the AA?

  • Usps white tick
    Tax-free savings
    Online savings account from the AA.
  • Usps white tick
    What we offer
    Fixed rate and variable rate products in one cash ISA
  • Usps white tick
    You're in control
    Manage all your savings 24/7.

Choose fixed rate or easy access – or split your savings across both

Easy Access

0.95% tax-free AER variable rate – includes a 12-month bonus rate of 0.75%.

What you get:
  • Access to your money as and when you need it
  • Unlimited free withdrawals (min £10)
  • Open an account with a minimum deposit of £100
  • After 12 months the rate reverts to 0.20% tax-free / AER variable
  • Interest calculated daily and paid to you in March

Fixed Rate

Guaranteed fixed rate for 1 or 2 years.            

What you get:
  • Perfect if you don’t need access to your money for one or two years
  • Start building your future from just £500
  • Transfer in other ISAs
  • At the end of the fixed term we’ll transfer your money, along with any interest, into a holding account for you until you decide what you would like to do next

Already a savings customer with us?

Head straight to our Member area for information more relevant to you.
Existing customers
Important information
  • Partial ISA transfers out are not available – transfers out in full only
  • If you split your ISA savings across more than one product, all products will be part of your AA ISA. If you have Fixed Rate products within their fixed terms you’ll need to pay a breakage charge on them when you transfer-out your AA ISA. If the interest you have earned doesn't cover the breakage charge you may get back less than you originally paid
  • If you use the Holding Account to consolidate or split your ISA savings before opening the AA ISA – Fixed Rate or Easy Access product, there is a risk that the product or interest rate may have changed or no longer be available by the time any funds are received in the Holding Account
  • The Holding Account may pay a lower rate of interest than other AA ISA products. It should be considered a short term home for your cash ISA savings
  • The AA ISA is an online cash ISA. It allows you to put your money in one product or to split it across multiple products. For example, you may want to keep some money accessible in an easy access product, but the rest you may to want to lock away in a fixed rate product so you earn a fixed interest rate
  • You can only apply for the AA ISA with one type of product today. But, once your AA ISA is open, you can apply for additional products if you wish
  • You have 14 days to cancel your account from when you opened it. Any products you've opened within it will be closed and you will receive a full refund of any deposits you've made plus tax-free interest. Any returned deposits will not be regarded as having paid into the ISA, so will not count towards your ISA allowance for the current tax year.
  • If you close a product, the funds can either be sent to your Holding Account, be reinvested into other products within your AA ISA, or sent to your nominated account. Payments to your nominated account will no longer benefit from ISA tax advantages. If you close your AA ISA after 14 days you won't be able to pay money into another cash ISA in that same tax year
AER stands for annual equivalent rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
Gross rate

Gross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs.

Nominated Account

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

Tax free means the interest paid is free from UK Income Tax and Capital Gains Tax.

Compensation arrangements

Financial Services Compensation Scheme (FSCS)

Your eligible deposits with Bank of Ireland (UK) plc are protected up to a total of £75,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: ‘Bank of Ireland UK’ and ‘Post Office Money’ and savings accounts under the ‘AA Savings’ brand provided by Bank of Ireland UK. Any total deposits you hold above the limit between these brands are unlikely to be covered.

Please click How FSCS protects your money for further information or visit www.fscs.org.uk.

You can also refer to our deposit information sheet for more details.

The tax advantages of ISAs depend on your individual circumstances and the tax treatment of ISAs may change in the future.

The AA ISA is provided by OneFamily. Money in this AA ISA is deposited with Bank of Ireland UK.

The AA and OneFamily are unable to provide advice. If you have doubts about the suitability of this product, please seek independent financial advice.

Calls may be monitored and recorded for security and training purposes. Lines are open Monday to Saturday 8am to 8pm, excluding bank holidays. Call charges may apply.

OneFamily is a trading name of Family Assurance Friendly Society Limited (incorporated under the Friendly Societies Act 1992, Reg. No. 939F), of which Family Investment Management Limited (Co. No. 1915516) and Family Equity Plan Limited (Co. No. 2208249) are subsidiaries. Registered in England and Wales at 16-17 West Street, Brighton BN1 2RL, United Kingdom. Family Assurance Friendly Society Limited is authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Family Investment Management Limited and Family Equity Plan Limited are authorised and regulated by the Financial Conduct Authority.

Bank of Ireland (UK) plc is authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc, which is registered in England and Wales (No. 07022885), Bow Bells House, 1 Bread Street, London EC4M 9BE.