Manage your credit card

Existing customers

Move to Jaja Finance Ltd

Important information for AA Credit Card customers

Together with Bank of Ireland UK, we have a new credit card partnership in the UK with Jaja Finance Ltd (Jaja). You'll shortly receive information about the move to Jaja.

Meanwhile you don't need to do anything and can continue to use your AA Credit Card as normal.

Not registered yet?

Remember, you must activate your new AA Credit Card before you use it by registering for Online Servicing


Registering online is quick and easy – we'll ask you to enter a few details and create a username and password. Then you just confirm which card you want to activate and you're ready to go.

Once you've registered, you can:

  • Make a payment or set up a Direct Debit.
  • Check your balance and available credit.
  • View your statements online.
  • Download and print your statements online.
  • Complete a balance transfer.
  • View your PIN online, update your contact details.
  • And of course, activate a card ready for use.
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Manage your card on the go

Use our Credit Card app for a secure and convenient way to access your account on your mobile phone. It's free to download and available on iOS and Android™ devices from the app store and the Google Play™ store.

Android IOS
This device is not recognised. iOS App
Manage your account by phone

0345 600 5606*

From abroad: 0044 345 600 5605

Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm, bank holidays 10am to 5pm.

Report a lost or stolen card

0800 028 8997*

From abroad: 0044 800 028 8997

Lines are open 24/7. If we detect potential fraud on your account, we'll contact you securely by SMS or email.


Using your card

Managing your alerts

We'll send you free alerts about your account from time to time, to help you manage your credit card. If you don't want to receive these alerts, call us on 0345 600 5606.*

How can I make a balance transfer?

If you've already applied for one of our credit cards and want to make a balance transfer, you can do this through your online account. If you don't have an account yet, register at Or you can call us on 0345 600 5606* and we'll complete the Balance Transfer application over the phone. You'll need the card number of the account you want to transfer the funds from, and the amount to be transferred.

The minimum amount you can request to transfer is £100, and the maximum depends on your credit limit. It may take between 2 and 3 weeks to process your application. During this time, you'll need to keep making payments to your original credit card until you receive confirmation that the transfer has been successful.

As our credit cards are provided by Bank of Ireland UK, you can't transfer balances from any other credit card you hold that is provided by Bank of Ireland UK. If applicable, to benefit from the 0% interest period, this must be done within the first three months of taking out the credit card.

Where can I find more information on your credit cards?

If you feel you don't fully understand our credit cards, or the commitment involved by applying for one, it is advisable to take further time to consider your application or to discuss it with a family member or friend. If you have any further questions about the credit card or need some more explanation, call us on 0800 032 2004.*

If my application is declined, how can I appeal the decision?

If your application is declined and you'd like to appeal our decision, call us on 0345 600 5606.* You may be asked to provide additional information to support your appeal, but there is no guarantee that this will change our original decision.

What's a Contactless payment?

Contactless is a fast, easy and secure way to pay for goods and services under £30 without entering a PIN. To make a payment, just follow the instructions on the terminal and place your card over the reader.

What are the Standards of Lending Practice?

The Standards of Lending Practice are a benchmark for good lending practice which the Bank of Ireland subscribes to. It provides valuable protection for you as a consumer and explains how financial institutions should deal with you day-to-day and in times of financial difficulty.

Is there a fee for withdrawing cash?

Yes, you'll be charged a 2.99% handling fee when you withdraw cash – the minimum fee is £3.

Is there a fee for balance transfers?

There is, we'll tell you what this is when you complete a balance transfer request.

Can I get a copy of a statement?

Yes, call us on 0345 600 5606.* It costs £5 per statement requested.

What are the default charges?

There are charges for:

  • Late payment £12
  • If you go over your credit limit £12
  • Returned or unpaid direct debit or cheque £12
Where can I see my terms and conditions?

You can find them here.

What is Persistent Debt?

You can find information about Persistent Debt here.

FuelSave Credit Card

How often will I get my cashback?

Your account will be automatically credited every 3 months in March, June, September and December each year with the cashback amount you have earned over the 3 months. It'll show as a credit on your monthly statement as 'Rewards Cashback'.

Will I earn cashback on all spend?

Yes, you can earn cashback on all purchases, however the amounts vary:

  • You'll earn 0.5% on all other spend excluding fuel If you spend £500 or over on your card – you'll get 4% cashback on fuel spend.
  • If you spend below £500 on your card on all purchases including fuel, you'll receive 2% cashback on your fuel spend.
  • You can earn a maximum of £150 each calendar year.
Where do I need to buy my fuel from to qualify for fuel cashback?

Eligible retailers are service stations with fuel facilities that are identified by the Merchant Category Codes 5541 or 5542 – this includes BP, Tesco, Esso, Murco, Shell, Sainsbury's, Texaco, Asda, and Morrisons. Items such as food, bought in the forecourts will also earn you cashback.

How do I qualify for my 12 months vehicle roadside breakdown cover?

If you're not an AA Member at the time that you apply for your credit card you'll qualify for 12 months AA vehicle roadside breakdown cover. You'll need to activate your AA FuelSave Credit Card by making a purchase, cash withdrawal or balance transfer within the first 12 months of account opening to get the breakdown cover. The breakdown cover is only available to the primary AA FuelSave Credit Card holder who lives at the address on the AA FuelSave Credit Card Account.

Why do I need to provide an email address to get my breakdown cover or MOT?

The offer code will be emailed to you annually from when you first activated your AA FuelSave Credit Card, or at the anniversary of your breakdown cover.

How do I redeem my breakdown cover?

We'll send you an email up to 40 days after the end of the month you activate your AA Credit Card, which will tell you how to set up your breakdown cover. It'll include an offer code that is valid for 3 months from the date of the email.

What happens after the first 12 months of breakdown cover?

This offer is only available for the first 12 months of cover – if you'd like to renew after this, the price will depend on the level you choose at the time of renewal. We'll send you a letter towards the end of your 12 month offer period, so you'll have plenty of time to respond before you need to start paying for your membership.

For the following years you hold your AA FuelSave Card, you'll get an annual MOT at no extra cost.

Can I upgrade my breakdown cover?

Once you've activated your breakdown cover, you'll get your AA membership card together with the AA Vehicle Membership Roadside Breakdown Cover Terms and Conditions. You can choose to upgrade to personal cover, and add on At Home, National Recovery and Onward Travel to your breakdown cover at the applicable price during the offer period.

How do I qualify for the MOT offer?

You'll qualify for the annual MOT offer when you activate your FuelSave Credit Card by making a purchase, cash withdrawal or balance transfer within the first 12 months of account opening. If you're not an AA Member at the point of applying for your credit card then you will receive breakdown cover instead of a MOT in the first year that you hold the card.

Where can I use my free MOT?

The free annual MOT check is currently provided by National Tyres and Autocare Limited, who have over 200 branches in the UK. You can search for your nearest branch here.

How long do I have to redeem my free MOT?

Your MOT offer code needs to be used within 13 months of receiving your redemption email.

How do I redeem my free MOT?

We'll send you an email up to 40 days after the end of the month you activate your AA Credit Card. It'll include a unique offer code and will tell you how to arrange your free MOT.

Are there any limits to the free MOT?

The free annual MOT offer is valid for a single Class 4 MOT test at National Tyres and Autocare service centres (standard rate: £54.85) or any other service centres as notified to you from time to time. It must be redeemed within 13 months of your receipt of the redemption email.

The vehicle presented for testing must be registered at the same home address as your FuelSave Credit Card Account and you'll be required to show the FuelSave Credit Card plus the offer code to claim the free MOT. If you can't do this, you may be charged for any MOT completed. Any work required to pass the MOT isn't included in the offer. The unique code can only be used once and will expire on checkout.

How often will the FuelSave Credit Card fee be taken & how?

There's no annual fee for the first 12 months. After that, you'll be charged an annual fee of £42 for your FuelSave Credit Card. This is split into 12 monthly charges of £3.50, which will appear on your statements as a transaction.

What if I have a query with my cashback?

If you've got a question about your FuelSave Credit Card call us on 0345 600 5606*.


What do I do if my card is lost or stolen?

If you suspect that your credit card has been lost or stolen, or that someone else knows your PIN, call us immediately on 0345 600 5606.*

When will I receive my PIN?

You can see your PIN immediately after your credit card arrives in the post – all you need to do is register for online servicing at

Your PIN will also be posted to you, and will arrive 2–3 working days after your credit card. When you get your PIN by post, memorise it and destroy any record of it. You should never tell anyone your PIN.

Can I change my PIN?

Yes, you can change your PIN at most Mastercard branded cash machines, but you'll need to know your existing PIN. If you've forgotten your PIN, you can view it online by logging in to online servicing.

Or you can call us on 0345 6007 5606* and we'll post you a new PIN – it can take up to 5 working days to arrive.

What should I do if my PIN is blocked, or I forget my PIN?

If you enter your PIN incorrectly 3 times in a row while using it at a cash machine or to pay, it'll be blocked. If you made a mistake while trying to pay but know what your PIN is, you can unblock it using a cash machine attached to a bank, and choosing 'PIN/Card services' then 'Unblock your PIN'. If you blocked your PIN at a cash machine, it'll automatically unblock after 24 hours.

If you need help call us on 0345 600 5606* – we can unlock your account and post you a new PIN, however it can take up to 5 working days for this to arrive.

If you forget your PIN, you can view it online by logging into online servicing. Or call us on 0345 600 5606* and we'll post you a new PIN – it can take up to 5 working days to arrive.

Servicing your account

How can I manage my account?

You can manage your account online by registering at Registration is quick and easy and once registered, you'll be able to make payments, see your PIN, view your statements and much more.

You can also use your smartphone to manage your card on the go. Our credit card servicing app is free to download and is available in iOS and Android from the dedicated app stores.

If you have a question about your account you can call us on 0345 600 5606.*

How can I make payments to my credit card?

You can set up a direct debit when you're applying online, or after you register for Online Servicing. Alternatively you can make instant and secure one-off payments to your credit card using our Online Servicing or the AA Credit Card mobile app.

You can also pay by phone, or by using your internet banking if your current bank or building society provides this.

See the back of your statement for details on all payment options.

When I make a payment, why am I asked to submit a passcode?

When you make a payment on the mobile app or the online account using your debit card, you may be asked to input a passcode or verify the payment via your app. This will be determined by your bank or building society's 3D Secure provider. If you don't receive a passcode, check your contact details on the 3D Secure payment screen are correct. If they're not you should contact your bank or building society.

How can I keep my promotional offer?

To keep your promotional offer make sure you stay within your agreed credit limit and make your minimum payment on time every month.

How will my payment be used to pay my outstanding credit card balance?

When you make a payment, the money you give us will come off your credit card balance in this order:

1 – Balance with the highest interest rate first: your payments will be used to pay off any outstanding balance that you owe in the order of highest interest rate to lowest interest rate. This means that the balance at the highest interest rate will be paid off first.

2 – If you have more than one outstanding balance at the same interest rate: your payment will be used to pay cash advances first, then the things you've bought (including anything you bought in your introductory period), then any fees and charges, before finally paying any promotional balances – this is balance at a different interest rate to your standard APR for a limited period. The exception to this is that any default charge you haven't yet had to pay interest on, in which case the default charge will be paid off last.

3 – If you have more than one promotional balance at the same interest rate: your payment will go to pay the balance where the promotional period ends first.

If you've paid more than your monthly statement balance, anything left over will go against transactions that have not yet appeared on your statement in the same order as those that have. This means any extra money that if you pay us more than you owe us in a particular month, the extra money will go towards clearing your next transactions in the same order as your existing ones.

How can I cancel my direct debit?

If you wish to cancel the direct debit to your credit card, you'll need to contact your bank or building society directly.

How often will I receive a statement?

You'll receive a statement every month, unless there are no transactions and you don't owe anything.

What can I do if I am having difficulty paying?

If you feel you're getting into financial difficulty, it's important you contact us on 0800 917 9157* as soon as possible so we can help. You can also find information on where to get financial advice in our Managing your finances information.

Making a complaint

We realise sometimes we may not meet the high standards you have come to expect from us. If you want to make a complaint, you can contact us by:

  • Phone 0330 123 0263
  • Email [email protected]
  • Write to us at Customer Care Team, PO Box 3191, Bristol BS1 9HY
What information do we need from you?

To help us investigate and resolve your complaint, let us know:

  • Your name and address
  • Your account details and what the complaint relates to
  • A description of the problem and when it happened
  • How you would like us to put this right for you
  • Contact details and the best time to contact you
How long does it take for us to respond?

We'll make every effort to resolve your complaint as soon as possible; this will usually be within 15 days and no later than 56 days. We'll make sure to keep you updated throughout the process.

What if we don't solve the problem?

If you're unhappy with our final response, or if we haven't given you one within the 56 days of your complaint, you may refer your complaint to the Financial Ombudsman Service for help and advice. If you decide to refer your complaint, you should do so within 6 months of the date of our final response letter.

Financial Ombudsman Service
Exchange Tower
E14 9SR
Phone 0300 123 9123
If you're phoning from outside the UK: +44 207 964 1000
Email [email protected]

Online dispute resolution

We always try to resolve any complaint to put things right. However, if you've already contacted us and we have not resolved your complaint to your satisfaction, you may wish to use:

This is an online portal designed to help consumers dispute a complaint resolution.

Using your card abroad

Will I get charged for spending abroad?

A 2.99% non-sterling transaction fee is added to the sterling value if you use your credit card abroad to pay for non-sterling transactions, or buy in foreign currencies online or over the phone.

When you use your card overseas, your payment will be converted into sterling at the rate determined by the current Mastercard exchange rate.

The example here shows what costs are involved while using your card for a transaction abroad.

  Purchase Cash advance
Euros €100 €100
Exchange rate 0.8932 0.8932
Sterling amount £89.32 £89.32
Non-sterling transaction fee £2.67 (2.99%) £2.67 (2.99%)
Cash fee (£3 min charge) £0 £3 (2.99%)
Total £91.99 £94.99

This information was correct as of 3 June 2020 and shows an illustrative example based on an exchange rate of 0.8932 and a €100 spend. The exchange rate used is a sample one provided by Mastercard. The actual rate applied will be the daily exchange rate set by Mastercard, which will be shown on your statement as applicable.

How much does it cost to use my card in the European Economic Area?

You can find out the transaction cost by using this calculator.

Will I get charged for cash advances?

You'll be charged 2.99% of your withdrawal or £3, whichever is greater, when you withdraw cash advances abroad using your credit card. This is in addition to the non-sterling transaction fee. If you withdraw cash abroad you'll be charged interest even if the account is paid off in full.

Online fraud prevention – Mastercard SecureCode

What's Mastercard SecureCode?

Mastercard SecureCode is a fraud prevention service to protect your credit card details when buying goods and services online from any retailer participating in the service.

How does Mastercard SecureCode work?

Once you've registered and created your own private SecureCode, you'll be asked to provide it by your financial institution at the checkout each time you buy from a participating online merchant. It's quickly confirmed and then your purchase is completed. Your SecureCode will never be shared with the merchant – it's just like entering your PIN at a cash machine.

If you have any queries during the activation process call us on 0345 600 5606.*

You can find more answers about Mastercard SecureCode here.

And you can read the Mastercard SecureCode Terms of Use here.

What about the card security code?

The card security code, or CVC2, is the last 3 digits on the signature panel on the back of your card. It's used as an extra security measure to make sure you have the card you're using.

Can I buy at online retailers that don't participate in Mastercard SecureCode?

Yes, you can – just follow the normal payment process.

Help and guidance
We want to make sure that managing your finances is as straight-forward as possible. That’s why we have written some guides to help you both everyday or when things aren’t going quite as you’d planned.

Managing your money
Money worries
Caring for others
Divorce and separation

Contact us
How to dispute a transaction

If you need to dispute a transaction on your account, please download and use the form below:

Challenging a transaction form
Good to know

* A call to an 0345 number costs no more than calls to geographic landline numbers beginning with 01 or 02. Numbers starting with 0800 are free to call from UK landlines and mobiles. Calls may be monitored or recorded for training and compliance purposes.

The AA Credit Card is provided by Bank of Ireland (UK) plc.

Bank of Ireland (UK) plc is authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority. Bank of Ireland (UK) plc is incorporated in England and Wales (7022885). Registered office: Bow Bells House, 1 Bread Street, London EC4M 9BE. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc.

Bank of Ireland UK adheres to the Standards of Lending Practice which are monitored and enforced by the Lending Standards Board.

Please read the Statement of Lender and Borrower Responsibilities which sets out our key responsibilities.