Spend and Earn prepaid card

Spend and Earn Card

– an easy way to manage your money

Spend and Earn Card

Load your card with funds before you shop and keep your spending within budget

A prepaid card to help you manage your money

The AA Spend and Earn MasterCard® Prepaid Card is a great way to manage your money.1 Just load the card with funds and use it like a debit card for your everyday shopping.

  • Stay on top of your budget – encourages you to spend only what you have loaded onto your card.
  • Available to UK residents over 18.2
  • One-off fee of £9.95, card valid for 3 years.
  • There's no monthly fee.
  • No transaction fee for card purchases in the UK.
  • Top up your card free by bank transfer or at a post office or Paypoint.3
  • No transaction fee for card purchases in the UK.
  • Use your card wherever you see the Mastercard Acceptance Mark

Apply now for the Spend and Earn card

Apply now

1 The prepaid card is an electronic money product and although it is a product regulated by the Financial Conduct 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.

2 Conditions apply. Acceptable proof of identity may be required. Where proof of identity is required, the application process may take slightly longer.

3 Fees apply to some card services. You can find out about card fees here.

MasterCard is a registered trademark of MasterCard International Incorporated. The card is issued by Wirecard Card Solutions Ltd ('WDCS') pursuant to licence by MasterCard International Inc. WDCS is authorised by the Financial Conduct 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.

How your card works

Apply for your Spend and Earn MasterCard Prepaid Card – we'll send your card within ten days. Once you have received your card and retrieved your PIN, you can start to use your card.

Because you load the card with cash before you shop, you only spend money that you've loaded onto your card.

1. Load your card with funds

  • Transfer funds from your bank account – free.
  • Top up at 12,000 Post Office® branches nationwide.*
  • Load your card at nearly 22,000 Paypoint terminals in stores and supermarkets.*
  • Top up your funds by debit or credit card.**

2. Use your card to spend like a debit card – worldwide

  • Shop online.
  • Spend at shops where you see the Mastercard Acceptance Mark.
  • Order goods by phone or mail.
  • Withdraw money from cash machines.*

3. Manage your account online or by phone

  • Download statements and check your available balance.
  • Change your PIN or password.
  • Update your personal details.

* Fees apply to some card services. You can find out about card fees here.

** Loading by debit and credit card is only possible for card holders with a £3,000 limit who have passed the initial electronic Know your Customer (eKYC) verifications checks.

MasterCard is a registered trademark of MasterCard International Incorporated. The card is issued by Wirecard Card Solutions Ltd (WDCS) pursuant to licence by MasterCard International Inc. WDCS is authorised by the Financial Conduct 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.

Summary of fees and charges

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 (3 years)
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** 3% of load value (maximum daily load £750)
Post Office ® 99p per load (maximum single load £250)
PayPoint 3% of load value (maximum single load £249)
Card limits£1,650£3,000
Maximum card balance £1,650 £3,000
Maximum monthly load £1,650 £5,000
Maximum load in any 12 months £1,650 £60,000
Maximum daily ATM withdrawal £250 £250
Maximum ATM withdrawal in 4 consecutive days not applicable £750
Maximum 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 redemption 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 is a trademark of MasterCard International Incorporated. The card is issued by Wirecard Card Solutions Ltd (WDCS) pursuant to licence by MasterCard International Inc. WDCS is authorised by the Financial Conduct 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.

Frequently asked questions

About the AA 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 35 million locations and withdraw cash from over 1.9 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 Solutions. 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 Solutions. Tuxedo Money Solutions is an approved MasterCard member service provider in the UK.

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Costs, fees and tariffs

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

The card costs £9.95 and the card is valid for three years. 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 six 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.

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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:

  • Call 0845 872 0822**
  • Enter your nine-digit account number
  • Enter the last four digits of your card number
  • Enter the four-digit secret number supplied during registration
  • 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.

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How to top up your card

How do I link my Spend and Earn account to my bank account?

We recommend that you link your Spend and Earn account to your personal bank account and do a bank transfer. This is free and you can load up to £2,000 in one transaction. Note that if your bank uses faster payments, funds will be available on the next working day. Otherwise it can take up to three working days. Follow these simple steps to link your Spend and Earn card to your bank account. You will only need to do this once, and then you will be able to top up the money on your Spend and Earn card easily when ever you want to.

Log in to the online servicing facility of your own personal bank account and follow the instructions to set up a new payee. You will need the following information to set up the account:

  • Account name: NBS re Tuxedo
  • Bank: Barclays Bank Plc
  • Bank account number: 20505412
  • Sort code: 20-82-94
  • Payment reference: 9 digit eccount number. You will be able to find your account number on the bottom left hand corner of your card, on your welcome letter or in your Spend and Earn Card online servicing

Are there other ways to top-up my card?

  • It's free to top up on the AA website. To make a transfer, log-in to your account online and under the 'Top-up' tab, choose 'View bank transfer details'. If you are loading by BACS and your bank uses faster payments, your funds will be available on the next working day.
  • Top up using your credit card (fee 3% of load value, maximum daily load of £750).
  • Top up using your debit card (free, maximum daily load £750)
  • At post office branches. You can also top-up at 12,000 Post Office® branches nationwide (99p fee).
  • At PayPoint locations. Top-up with cash at nearly 22,000 terminals in newsagents, convenience stores, supermarkets, garages and off-licences near to you (fee 3% of load value).

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.

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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?

Maximum daily withdrawal amount is £250 and £750 in four consecutive days.

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:

  • 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
  • '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)
  • 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 Solutions 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.

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Manage your account online

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. 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).**

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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.**
  • Email us at support@aaspendandearn.com.

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 Solutions 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.

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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 redemption fee.

How do I close my account?

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

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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.


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* The prepaid card is an electronic money product and although it is a product regulated by the Financial Conduct 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.

** Calls to 0845 numbers are charged at a local rate from BT landlines in the UK. The cost of calls may vary from other phone networks, for mobiles, or from abroad.

MasterCard is a registered trademark of MasterCard International Incorporated. The card is issued by Wirecard Card Solutions Ltd ('WDCS') pursuant to licence by MasterCard International Inc. WDCS is authorised by the Financial Conduct 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.

Terms and conditions

The AA Spend and Earn prepaid card

The terms and conditions apply to the AA Spend and Earn MasterCard® Prepaid Card. Please read these carefully and print for your reference.

Adobe icon  Terms and conditions for the AA Spend and Earn Card


MasterCard is a registered trademark of MasterCard International Incorporated. The card is issued by Wirecard Card Solutions Ltd ('WDCS') pursuant to licence by MasterCard International Inc. WDCS is authorised by the Financial Conduct 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.