Card Fees

The following fees apply when using the AA Spend and Earn MasterCard® Prepaid Card.

AA Spend and Earn Mastercard prepaid card
Purchase transactions Free
ATM withdrawals* £1.50
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*** (excludes AA Members) £1
Investigation fee £20
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 three consecutive months, you will incur a £1.00 administration fee the following month and every month thereafter until your card is active again. This fee does not apply to card holders with current AA Breakdown membership.

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.