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Fixed-rate ISA Product

Secure your savings with a fixed tax-free rate

Lock away your money for a year or two and watch your savings grow

1 or 2 Year Fixed Rate

0.90%

Tax-free/AER fixed for 1 or 2 years

The AA ISA lets you put money across easy access or fixed term products or even split your savings across both – all within one ISA. You can pay up to £20,000 this tax year subject to any contributions in other types of ISAs.

The AA ISA lets you put money across easy access or fixed term products or even split your savings across both – all within one ISA. You can pay up to £20,000 this tax year subject to any contributions in other types of ISAs.

What you get:
  • Your interest is calculated daily and paid annually on the anniversary of the product opening.
  • You can only make one deposit per product but you can have as many fixed rate products as you want.
  • Open with a minimum of £500.
  • Transfer in ISAs held elsewhere – please check with your current provider if fees apply.
Getting your money:
  • If you need access to your money during your fixed term you'll need to pay a breakage charge. So, if you haven't earned enough interest, you may get back less than you originally paid in.
  • At the end of the fixed term we'll pay your money, along with any interest, to a tax-free holding account while you decide what to do next.
  • Transfer out the full amount only – no partial transfers.
Good to know:
  • Manage your account 24/7.
  • Every AA ISA comes automatically with a holding account, where you can consolidate your existing savings before moving them to another product.

View Summary Box and how to apply

Continue
FAQs

Information about ISAs

What is an ISA?
There are different types of ISA, for an up to date list of those available please visit https://www.gov.uk/individual-savings-accounts/overview
How much can I pay into an ISA?

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 2017/18 tax year is £20,000. For example, if you deposit half of this years' limit in a cash ISA with one provider, you can invest the other half into a stocks & shares ISA with the same or another ISA provider. You can only make deposits and/or invest in one of each type of ISA each tax year.

Transferring your existing savings

If you already have an existing ISA with another provider you can transfer it to your AA ISA. Transferring funds from a previous tax year's ISA will not affect your limit for this tax year.


Who can open the ISA?

To be eligible for our ISA you must:

  • be aged 16 or over
  • be a UK resident for tax purposes
  • have a UK personal bank or building society account in your name (sole or joint)
  • not already hold an AA ISA with OneFamily
  • have a minimum amount of £100 to open an ISA (opening amounts for products vary within the AA ISA)

Please note, you'll need a valid email address to receive information and updates about your ISA – you'll be notified every time you get a secure message.


Do I pay tax on my savings in an ISA?

The 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.


How our ISA works

How does the ISA work?

You can manage your savings online with the ISA.

Once your account is open you can either:

  • put all your money in a single product within the AA ISA
  • or split your savings across different types of products (fixed for 1 or 2 years, or easy access)
When your ISA is open and you have logged in, you will be able to:
  • make additional deposits
  • transfer in any other ISAs you may have
  • open new products
  • move money between products (please see the Summary Box)
  • view your personal details, view and create statements and important documentation related to your ISA

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.


What does the Holding Account do?

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 before you pay into a product
  • splitting funds across a number of products all within your ISA
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.

Example – if you had £20,000 available you could split this to account for your needs, such as paying:

£5,000 into Easy Access
£5,000 into 1 Year Fixed Rate
£10,000 into 2 Year Fixed Rate 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.


Are there any fees or charges?

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
What does early closure mean?
If you transfer or close your ISA while you have funds in a fixed-rate product within the fixed term, then a breakage charge will apply. Early closure does not include closure within the first 14 days of opening a fixed rate product in your ISA. A breakage charge is not applied if you close your product within 14 days of opening. A breakage charge applies when closing or transferring a product:
  • after the first 14 days of opening a product ('early closure')
  • before the end of a fixed term
How does a breakage charge affect my funds?
  • where a breakage charge is applied, it will be deducted from any interest earned
  • If not enough interest is earned to cover the breakage charge, it will be deducted from the value of the product. This reduces the total balance returned to you
  • the breakage charge equals 90 or 180 days loss of interest, depending on the length of the term
  • breakage charges are calculated assuming 365 days in a year

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.


How do I withdraw funds from my AA 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 allowed 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 ISA 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.


How do I split my ISA allowance between variable and fixed rate products?

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.


Savings in our ISA are protected

How are my savings in the ISA protected?

The deposit information sheet contains:

  • information on how savings within the ISA are protected
  • details of how your money is protected with Bank of Ireland UK, the 'deposit taker' for our ISA
  • OneFamily hold initial payments in an account held with NatWest, and then transfer the money to Bank of Ireland UK. This is also what happens with a transfer cheque from another ISA provider.

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.


Who are OneFamily and Bank of Ireland UK?

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.


Opening the ISA

How do I apply for the ISA and how long does it take?

You can only open our ISA online – you cannot apply over the phone or with a paper form.

Before applying, do read the key information pack and the relevant Summary Box then select 'Apply now'.

You can use a debit card, cheque, or transfer another ISA you hold to open the ISA.

It should take 10 to 15 minutes to complete your online ISA application.

Please note, for your protection, your application session may time out if you don't move to the next page within 15 minutes. If this happens you'll need to start the application again.

Choosing your product

You'll be given the option to choose one product when you first open your ISA.

If you're planning to split your funds across multiple products, you can choose to open a Holding Account and move your money once your account is set up and the funds received.

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.


Will I be required to provide proof of identity?

Electronic checks will be used if you are over 18 and not applying for the ISA on behalf of someone else.

What we do if we cannot confirm your identity electronically
You'll be contacted by secure message to request identification before your account can be opened.

For fraud prevention and to comply with anti-money laundering legislation, you may also be asked to provide identification at other times.

For more information read 'How to certify your documents'.


Can I apply under a power of attorney?

Yes. If you select this option, you will be contacted by secure message to request the documents that you will need to provide to complete the application.

You can send a secure message to ask any questions when your account has been set up.

Please note that jointly appointed power of attorneys/deputies cannot be accepted.


Where can I find my National Insurance number?
Your National Insurance number should be on documents such as:
  • your P60 (end of year tax statement provided by your employer)
  • a payslip
  • a copy of your annual Self-Assessment tax return

See the HM Revenue and Customs (HMRC) website for more information on how to find your National Insurance number.


What is a nominated account and why is it needed?
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:
  • to make sure that they can manage your savings securely
  • to prevent fraud
  • to comply with anti-money laundering legislation

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 verified before withdrawals can be made.


When will my ISA open?
OneFamily will inform you that your ISA has been opened when:
  • they receive everything they need to accept your application (including any required identification)
  • they have either accepted your deposit or requested your transfer (depending on the method you are using to open your ISA)

Why do I need to validate my email address?

You will need to validate your email address during the account setup process. 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.


Identification you will need

Why do I need to provide proof of my identity?

For fraud prevention, and for OneFamily to comply with anti-money laundering legislation, your identity will need to be verified to open your account.

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.


How do you electronically verify my identity?

Your identity will need to be verified to comply with anti-money laundering legislation before your account can be opened. Where you are 18 or over, this will normally involve an electronic check using a credit reference agency. This will be completed during your application.

The check doesn't affect your credit history, but it will leave a record of the search taking place.

Proof of identity if you're under 18 or applying for someone else
If you're under 18, or your identity cannot be identified electronically, you'll be asked to provide further proof of identity.

If you are applying on behalf of someone else, then you'll need to provide proof of identification for both of you.


What identification do I need to provide?

You will need to provide one form of proof of identity and one form of proof of address if requested. Accepted forms of identity are:

  • current valid signed passport/EU National Identity card
  • firearms certificate
  • electoral ID card (Northern Ireland only)
  • current full old-style UK driving licence (non-photo card type driving licence)1
  • current UK/EU photo card driving licence1
  • correspondence from the Department of Work and Pensions Benefits agency (dated within the last 6 months)1
Acceptable proofs of address are:
  • current electricity bill (dated within the last 3 months)
  • current gas bill (dated within the last 3 months)
  • current landline telephone bill (dated within the last 3 months)
  • current full old-style UK driving licence (non-photo card type driving licence)1
  • current UK/EU photo card driving licence1
  • correspondence from the Department of Work and Pensions Benefits agency (dated within the last 6 months)
  • bank/building society/mortgage/credit union or credit card statement (dated within the last 3 months)2
  • local authority correspondence valid for the current year, eg rate/council tax (dated within the last 12 months)
  • HM Revenue and Customs/Revenue Commissioners correspondence, eg tax coding notice (dated within the last 3 months). Note P60 and P45 are not acceptable.
1 These items may be used to evidence identity or address, but not both.
2 This item may be used to evidence address and nominated bank accounts.
How do I certify my documents?
OneFamily can only accept photocopies of documents. Each page must be certified in original ink.

The certifier cannot appear as a named person within the document, or be a family member.

OneFamily cannot accept:

– photocopies of documents after they have been certified
– documents that are not correctly certified; these will be returned to you for re-certification

Post the documentation to: AA Savings, PO Box 5417, Brighton BN50 8HP.

The following people can certify your identification:
  • accountant
  • barrister, solicitor
  • bank or building society official
  • Commissioner of Oaths/Notary Public
  • Justice of the Peace
  • FCA registered broker/introducer
  • Post Office official (UK only)
  • attorney
The certifier must:
  • write on each photocopy, 'I certify this is a true copy'
  • state their profession
  • print their name, address and phone number (staff number or authorised signatory number if appropriate)
  • sign and date the photocopy

I am already an AA Savings customer, why do I have to provide proof of identity again?

OneFamily manage the AA ISA on our behalf; other AA Savings products are managed by a different provider. For fraud prevention, and so that OneFamily can comply with anti-money laundering legislation, an identity check needs to be completed at the point of applying for our ISA. This will be independent of any previous checks carried out by providers on our behalf.


Logging in to the ISA

How do I log in to my ISA?

You will need to:

  • provide the username and password that you chose when opening the account
  • provide some information from your memorable questions

I've forgotten my log-in details
If you can't remember your password you can reset this online. If you cannot remember your username or memorable question, please contact customer services on 0333 2205069 and they'll be happy to help.†

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.

† Calls may be monitored.  Lines open from 9am to 7pm weekdays and 9am to 1pm on Saturdays, closed Sundays and bank holidays. Call charges may apply.


Making a payment or transfer to the ISA

Why can't I make a payment by debit card?

In certain circumstances, you may need to provide further proof of identity before a deposit by debit card can be accepted. This helps to protect your security and meet regulatory requirements.

When this happens, you'll be asked to provide an opening deposit by cheque or an ISA transfer (if you have an ISA with another provider). Once your identity has been confirmed, and your ISA is open, you'll be able to use your debit card to make additional payments (providing this is allowed - please see the Summary box).

Can I transfer funds from another AA Savings account to the ISA?

You cannot 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.

How do I open the ISA with a transfer from another ISA provider?

It should take no longer than 15 working days to transfer an ISA from one provider to another.

When completing the online application to open your ISA, you'll be asked how you will fund the product you are opening.

  • select 'ISA Transfer' from the drop down options and press 'Next'
  • you'll then be shown how to complete the transfer form
  • you may need to print a paper form, depending on which provider you are transferring funds from.
Send the printed form to: AA Savings, PO Box 5417, Brighton, BN50 8HP.

Your current provider may charge a fee to transfer your existing ISA to us – please check whether they will do so before completing the transfer.

Can I transfer my stocks and shares ISA to your ISA?
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.

Can I transfer my innovative finance or Lifetime ISA to the AA ISA?
No, we are currently not able to accept transfer from innovative finance or Lifetime ISAs.

Can I transfer funds from another AA ISA to the ISA?
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:
  • select 'ISA transfer'
  • choose 'AA Savings' as the provider
  • follow the on-screen instructions

Contact the ISA manager if you're unsure whether you'll be charged a fee for transferring your existing AA ISA.


Cancelling and closing the ISA

If I change my mind, can I cancel my ISA?
You have 14 days to cancel your account 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:
  • your ISA, and any products you've opened within it, will be closed
  • you'll receive a full refund of any deposits made, plus tax-free interest
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.

Cancelling your ISA after the 14-day cancellation period:
  • your money will no longer benefit from the tax advantages of an ISA
  • if you've paid in to your ISA, you will not be able to pay money in to another cash ISA in the same tax year

Can I cancel individual products that I open in the ISA?
You cannot cancel individual products that you have opened as part of your ISA.

This means that you have to cancel your entire ISA within the 14-day cancellation period, which ensures that any deposits you've made will not count towards your annual ISA allowance.

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:
  • money paid to your nominated account will lose its tax advantage
  • money paid to your Holding Account can be reinvested into other products within your ISA, and it will retain its tax advantages
Closing a product – charges and restrictions:
  • associated withdrawal restrictions or breakage charges will apply; information on these can be found within your Summary Box
  • if you've opened a Fixed Rate product that has a breakage charge for closing it during its fixed term and change your mind, the breakage charge will be waived providing you request to close the product within 14 days of it having opened. If you change your mind after this date, the breakage charge will apply, as detailed in the Summary Box.

Updating personal details and managing your account

How do I change my address or personal details?
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.
How do I change my nominated account details?

To change your nominated account, log in to your ISA and send the new details by secure message. New details will be verified before withdrawals can be made.


If you need to complain

How do I make a complaint?

If you wish to complain to OneFamily, please contact their customer service team:

  • via a secure message from your AA ISA
  • by post – AA Savings, PO Box 5417, Brighton, BN50 8HP
  • by phone – 0333 2205069
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:
  • by post – Financial Ombudsman Services, Exchange Tower, London E14 9SR
  • by phone – 0300 123 9123
  • by email – Complaint.info@financial-ombudsman.org.uk

† Calls may be monitored.  Lines open from 9am to 7pm weekdays and 9am to 1pm on Saturdays, closed Sundays and bank holidays. 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.

 

Definitions

AER – stands for Annual Equivalent Rate, and illustrates what the interest rate would be if interest was paid and compounded once each year.

Breakage Charge – 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.

Fixed – a fixed rate of interest doesn’t change during the fixed term.

Tax-free – means the interest paid will be free from UK Income Tax and Capital Gains Tax.

Variable – a variable rate of interest can go up or down.

 




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

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.

 

Definitions
AER

Stands for Annual Equivalent Rate, and illustrates what the interest rate would be if interest was paid and compounded once each year.

Breakage charge

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.

Fixed

A fixed rate of interest doesn’t change during the fixed term.

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 will be free from UK Income Tax and Capital Gains Tax.

Variable

A variable rate of interest can go up or down.

Your savings are protected

Financial Services Compensation Scheme (FSCS)

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, 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, Post Office Money, 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.

Please click here for further information or visit www.fscs.org.uk.


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

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.

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Existing customers
Need help?

0333 2205069

Lines are open Monday to Friday 9am to 7pm, Saturday 9am to 1pm, closed on Sundays and Bank Holidays.

 

 

Calls to 03 numbers cost the same as calling 01 and 02 numbers and count towards inclusive allowances on landlines and on mobiles. Calls may be monitored and recorded for training and compliance purposes.

Call now

Rates correct as at 26th June 2017. 

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. Lines open from 9am-7pm weekdays and 9am-1pm on Saturdays, closed Sundays and 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.