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.
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. Don't worry, we'll answer your call as soon as we can. We're sorry for any inconvenience.

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. You'll also need to input a few personal details, including the mobile phone number that's linked to your credit card account. Lastly, select your marketing preferences to complete the registration.

If you don't have a mobile phone number linked to your account, you'll need to provide your number to us in order to register. You can call us on 0345 600 5606.

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

When you enter your name, make sure you write it exactly as it appears on your card, including your title plus any middle names. Please check this carefully, as your name on the card may be in a different format to how you usually spell it.

For example, your card may have a space instead of an apostrophe, or a space may be added to your name on the card when you wouldn't normally use a space. For example McDonald could be entered as MC DONALD.

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.

Our team are working hard to ensure you can register as soon as possible. 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 will automatically transfer 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 current 16-digit credit card number as your payment reference.

If you’ve already made a payment using the old details, don’t worry, we've received your payment. Just remember to use the new details the next time you make a payment.

I have a payment arrangement – will that change?

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

Your card and PIN

Will I get a new credit card?

Yes,  you'll shortly receive a new AA Visa Credit Card issued by Jaja. Until then you can carry on using your existing card.

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

We're sorry that your credit card transaction was declined, and apologise for the inconvenience. Some customers have had a similar problem and we're working hard to resolve this issue for you.

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.

I've lost my PIN. How do I get a replacement?

You can view your PIN immediately through the app and your online servicing account. You can also request a PIN reminder by calling 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 continue to work for 30 days after the new card has been issued.

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, so you won't notice any difference in how or where you can use your new AA Visa Credit Card.

I ordered a new card. Will this be delayed due to the move?

Replacement cards ordered up to Wednesday 30 September will have been processed within 3 to 5 working days.

If you requested a replacement card between Thursday 1 October and Sunday 4 October, it will be ordered by Thursday 7 October and take 7 working days to arrive with you.

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.

Why can I see duplicate transactions in my app?

If you see duplicate transactions, log out of the app using the 'More' menu. Then log back in using your phone number, SMS verification code and 5 digit code set during registration. This will refresh all transactions within your app.

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, just visit the 'AA Credit Card' page in either the App Store or Google Play.

Why does my Android app keep crashing?

The issue with our Android app has been fixed and you should now be able to log in as normal. If you did have issues with the app, you’ll need to re-download it from Google Play. We're sorry for the inconvenience.

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.

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

If you have any promotional offers on your account, these will continue unaffected until they're due to 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 will the new Ts&Cs become effective?

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

Will my personal details be transferred to Jaja?

Yes. Your data has been transferred to Jaja so that they can continue to manage your credit card account.

Your data will 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.

Is this change as a result of the coronavirus situation?

No, the move to Jaja is not related to the COVID-19 pandemic.

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 Sunday 8am to 8pm.

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 (FCA), Financial Services Register number 775979. Registered office: 3 Valentine Place, Southwark, London SE1 8QH. Registered in England and Wales number 09797750 .