FAQs about your new AA Credit Card

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Latest update

Your credit card provider changed from Bank of Ireland UK to Jaja Finance Ltd (Jaja) on 3 October 2020.
Find out more
Your move to Jaja took place on 3 October 2020.
You'll have now received your new AA Visa credit card, and you can find out how to activate it under Your card and PIN below.
To view your account on the app and online servicing you'll need to register as a new user and set up a new passcode.
Register here as a new user
Have your card ready and enter your name exactly as it appears on it, including title and middle name. See the Registering section below for more help.

If you need to contact us about your credit card, our lines are very busy at the moment. We're sorry for any inconvenience and will answer your call as soon as we can.

Manage your card on the go

Use our new 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

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Frequently asked questions

Who are Jaja?

In 2019 Bank of Ireland UK announced the sale of its existing UK credit card portfolios to Jaja Finance Ltd (Jaja). They became the new UK credit card issuer for AA Credit Cards on 3 October 2020.

Jaja is a UK-based credit-card provider regulated by the Financial Conduct Authority. The Jaja team are passionate about their customers, offering products and services that provide simplicity, functionality and security. They share Bank of Ireland UK's commitment to delivering outstanding customer service, and AA Financial Services is proud to partner with them.

This change does not affect any other AA Financial Services products offered through Bank of Ireland UK.

Registering for the app and online service

Do I need to register as a new user and create a new passcode?

Yes, you'll need to register as a new user.

Do I need to register for the app or an online servicing account before I can log in?

Yes, you need to register before attempting to log into the app for the first time.

What do I need in order to complete the registration process?

To complete the registration process you'll need your credit card to hand. Make sure you enter your details exactly as they appear on your credit card, including the card number and expiry date.

You'll be asked for your mobile number and will need to enter a verification code sent to you via text message. Follow the security instructions and create your new password and 5-digit passcode.

Once you’ve selected your marketing preferences, you’ll be able to log in to complete your registration.

I'm struggling to register once I've entered my personal details and details about my card. What am I doing wrong?

Check your details carefully, but if you continue to have problems with the registration process call us for help on 0345 600 5606.

I'm trying to register but I'm getting an error message. What do I do?

If you see an error message during the registration process, carefully check your details and correct them if needed, then re-submit.

If you still get an error message, call us for help on 0345 600 5606.

I've registered for the app and an online servicing account but have been taken back to the home screen. How do I get into my account?

Once you've successfully registered, you can log in to your account using the details you set up during the registration.

Making a payment

I've not been able to register for the app or an online servicing account. How do I make a payment?

To make a payment, we recommend you pay your credit card bill through your bank.

Make your payment using sort code 40-05-30 and account number 64603591, and include your 16-digit card number as the payment reference.

I can't register to see my balance, or pay my bill. And I can't get through to a customer services agent to make a payment. What can I do?

Our customer services line has an automated option that allows you to check your balance and also make payments using a debit card.

So when you call 0345 600 5606, select the option for customer services, then choose the option to make a payment. You don't need to speak to an agent.

I'm worried that as I can't make a payment in my app or online servicing account, I'll be charged a late payment fee.

If you've been charged a fee and you don't believe you should have, contact us and we can discuss your circumstances.

I pay by Direct Debit – will I need to set up a new one?

Your Direct Debit automatically transferred to Jaja, so you don't need to do anything.

I have a standing order set up on my bank account. Do I need to change this?

Yes, you'll need to use our new payment details:

  • Sort code 40-05-30
  • Account number 64603591

And use your 16-digit credit card number as your payment reference.

I have a payment arrangement – has that changed?

Any payment arrangements you've agreed won't change after your move to Jaja, and you should keep making payments in line with that plan.

Your card and PIN

How do I activate my new card?

You activate the new card in the app or in your online servicing account. Or you can make a Chip and PIN transaction, or enter your PIN at an ATM. Remember to sign the back of your card before using it.

What should I do with my AA Mastercard Credit Card when I receive my new card?

Once you've activated your new one, destroy your old card. Make sure you cut through the Chip, and carefully dispose of the old card.

Your old card will stop working 30 days after the new one has been issued, regardless of the expiry date on it.

Will my contactless limit still be £45 with my new card?

Yes, the contactless limit of £45 per transaction will still apply. You'll need to make one Chip and PIN transaction using before you make a contactless transaction.

Do I need to update my card details to make online purchases?

Yes, update your online accounts with your the new card details, such as Amazon or other suppliers.

My current AA Mastercard Credit Card doesn't expire for a while. Can I continue using this?

Your old card will stop working 30 days after the new one has been issued, regardless of the expiry date on it. Activate your new credit card as soon as it arrives.

Will my PIN still work?

Yes, your current PIN will continue to work – you won't receive a new PIN when you get your new AA Visa Credit Card from Jaja.

I've forgotten my PIN. How can I get a reminder?

You can find your PIN in the app or in your online servicing account. You can also request a PIN reminder by calling us on 0345 600 5606.

I tried to make a purchase and my credit card was declined?

To ensure your card transaction is successful, check you have available credit to spend for your purchases. As long as you have available credit, try using your card again. But if the problem persists call us on 0345 600 5606.

What happens if I'm away when my new credit card arrives from Jaja?

If you're away, your existing credit card will only continue to work for 30 days after the new card has been issued, regardless of the expiry date on it.

Is there a difference between Visa and Mastercard?

Visa and Mastercard are different card networks. Both types of card are accepted at millions of retailers in over 200 countries worldwide.

Managing your card

Will I be able to manage my credit card over the phone?

Yes, you can service your account by calling us on 0345 600 5606. The call centre times are below.

Will I be able to manage my credit card online?

Yes. You'll need to register once in the app or online before you can log in for the first time.

How can I check my balance if I’m not yet registered for the new app or online service account?

Our customer services line has an automated option that allows you to check your balance.

So when you call 0345 600 5606, select the option for customer services, then choose the option to check your balance. You don't need to speak to an agent.

Will I still be able to see my statements in my online servicing account?

Yes. Key information from your previous statements is available to view in your new app and online servicing account. You can also request paper copies of previous statements by calling us on 0345 600 5606.

Will I still receive paper statements?

If you currently receive paper statements, you'll still receive them in the post – you don't have to do anything.

Will my payment date and statement date remain the same?

Yes, the dates will stay the same as they are now.

Will my credit limit change?

Your credit limit will remain the same. As with all card providers, Jaja will have the right to review your credit limit and may choose to change it in the future. They'll contact you if this happens.

How do I download the AA Credit Card app?

To download and register to use the new app, simply search for 'New AA Credit Card app' in your app store.

Features and benefits

I have a Fuel Save Credit Card – will I still get my cashback?

Yes. You'll continue to benefit from earning cashback on your monthly fuel spend.

Did this transfer affect any existing promotional offers on my credit card?

Any promotional offers on your account are unaffected and will continue until they expire. You'll receive a reminder of the expiry date of any promotional offers.

I currently receive a free MOT with my card – will this continue?

No. The free annual MOT for AA Members will no longer be available.

Legal information

When did the new Ts&Cs become effective?

Your new Ts&Cs became effective on 3 October 2020. You can find out more here:

Were my personal details transferred to Jaja?

Yes, your data was transferred to Jaja so that they can continue to manage your credit card account.

Your data will continue to be treated securely in line with UK data protection legislation, as explained in the Jaja privacy notice.


Where can I find out more about Jaja?

For more information, visit the Jaja website.

Will this change impact my credit history?

Your credit report will note that you have an agreement with Jaja Finance Ltd, but it won't impact your credit score.

Please remember to maintain your repayments to avoid impacting your credit history.

Does this change impact the payment break I have or I've applied for as a result of the coronavirus?

No, if you're currently on a payment break, or have applied for a payment break, this will be unaffected by this change

I've been told that my credit card account is in persistent debt. Will this change when my account moves to Jaja?

Your account will remain in persistent debt when it moves to Jaja. If you can afford to pay more to reduce your credit card balance this will save you money in interest and help to repay what you owe quicker.

Contact us

0345 600 5606

If you have a question that hasn't been answered here, please call us.

Lines are open Monday to Friday, 8am to 7pm.

Calls may be monitored or recorded for training and compliance purposes.

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Good to know

The AA Credit Card is provided by Jaja Finance Ltd.

Jaja Finance Ltd is authorised and regulated by the Financial Conduct Authority with number 775979 and is a company registered in England and Wales with Company Number 09797750 at 27 Old Gloucester St, Holborn, London, WC1N 3AX, United Kingdom. © Jaja Finance Ltd. All rights reserved.