The AA Spend and Earn MasterCard® Prepaid Card is a simple way to manage your money.*
The AA Spend and Earn Card has no monthly fee and guaranteed availability for all customers, as credit checks are not needed.** You can also top up free by bank transfer, and we have waived the fee for making card purchases in the UK.
You can use the card for your everyday purchases in the same way as you would a debit card. The difference is that you load the card with cash before you shop, rather than paying for purchases afterwards.
The card costs £9.95 – this fee is taken during the application process.
You can use your AA Spend and Earn Card online and anywhere you see the MasterCard acceptance mark – over 30 million locations, including 1.5 million cash machines worldwide.
Apply now for the Spend and Earn card
* 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.
** Cardholders must be 18 years or over and UK residents.
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, registered in England and Wales number 912211. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA.
Your AA Spend and Earn MasterCard® Prepaid Card is a great way to manage your money. Simply load the card with funds and then use it in the same way as you would a debit card for your everyday shopping.
Your card is great for use when shopping online as it is not linked to a bank account, which helps reduce the risk of identity theft. And you can use your card to shop at millions of locations worldwide, including high street stores, by phone and by mail order – wherever you see the MasterCard acceptance mark.
There's no fee for card transactions made in the UK, and you can withdraw cash from over 1.5 million cash machines worldwide. For a full list of fees, refer to the terms and conditions.
It's easy to top up your AA Spend and Earn MasterCard prepaid card and account:
Would you like to have your card topped up by a friend or family member? Contact our Customer Care to order an additional card for £4.99. You can hand it to a friend or family member and they will be able to top up your AA Spend and Earn Card at post office branches and PayPoint locations in the UK.
Note: You will need a £3,000 card limit to have your wages or benefits paid directly into your account. Cardholders with a £1,650 card limit can upgrade for free to a £3,000 limit. Call Customer Service to find out how.
Transfers from abroad
If you're transferring funds from abroad, your bank may ask you to quote the IBAN (International Bank Account Number) and BIC (Bank Identifier Code). Contact Customer Service to send you the details.
Top-up alerts
You can register for free top-up alerts by email or text (8p each) whenever cleared money is loaded onto your account.
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, registered in England and Wales number 912211. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA.
The following fees apply when using the AA Spend and Earn MasterCard® Prepaid Card.
| Transaction | Spend and Earn Card fee | |
| Card issue fee | £9.95 | |
| 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*** | £1 | |
| Investigation fee | £20 | |
| Closure | ||
| Cancellation or redemption | £10 cash out fee | |
| Expiry | Card valid 36 months | |
* 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 six consecutive months, you will incur a £1.00 administration fee the following month and every month thereafter until your card is active again.
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, registered in England and Wales number 912211. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA.
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.
Back to topHow much does my AA Spend and Earn Card and account cost?
The card costs £9.95. It is free to use the online card servicing facility.
What is the tariff?
For a complete list of card fees and charges, see the terms and conditions.
Will I pay any fees if I do not use my AA Spend and Earn Card?
If you do not use your card for a period of 6 months 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.
Back to topHow 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:
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.
Back to topHow do I put money on to my AA Spend and Earn Card?
There are many ways to top-up your card:
Find post office and PayPoint branches. For full details of card fees, refer to the terms and conditions.
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.
Back to topWhere 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?
You can withdraw cash from any cash machine that carries the MasterCard Acceptance Mark.
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.
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:
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.
Back to topHow 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 available balance?
Available balance means cleared balance associated with your card that is available to spend instantly
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. For full details of applicable card fees, please refer to the terms and conditions.
How do I check the available balance on my AA Spend and Earn Card and 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).
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:
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.
Back to topWhat 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.
Back to topHow 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.
The terms and conditions apply to the AA Spend and Earn MasterCard® Prepaid Card. Please read these carefully and print for your reference.
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, AA Euro and Worldwide MasterCard Prepaid Cards are arranged by AA Financial Services Limited (AAFS), registered in England and Wales number 912211. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA.
