ISAs

Compare our ISA products

Including a product exclusively for AA Members*

Why choose an AA ISA?

  • Usps white tick
    Mix and match products

    You can invest in fixed rate and variable rate products to start saving in a way that's right for you.

  • Usps white tick
    Simple transfer

    It's easy to transfer money from your existing ISAs. Some providers may charge a fee.

  • Usps white tick
    Manage your account 24/7

    Move money, make deposits, transfer ISAs and request withdrawals online any time.

Compare our ISA products

Our ISA products

Interest rate AER
Minimum deposit
Withdrawals
Manage account online
Easy Access

Tax-free Easy Access product, includes a fixed bonus of 1.40% for the 1st year.

Choose Easy Access

1.90%

Tax-free variable¹

£100

Fixed Rate

If you don't need access to your money for 1 or 2 years, enjoy peace of mind with a fixed tax-free rate. Only one deposit per product.

Choose fixed rate

2.90% / 3.00%

Tax-free fixed²

£500

Member Easy Access

Already a savings customer with us?

Head straight to our Member area for information more relevant to you.
Existing customers
Key dates for the 2021/2022 tax year allowance

What is the last date I can apply for a 2021/2022 AA ISA?

We'll accept applications with an online debit card payment up until 9pm on 5 April 2022. This date is subject to applications being accepted and ID checks successfully completed.

Please note, there may be circumstances where we require further Identification before we can accept your application, or you've chosen to make your initial deposit by cheque or ISA transfer. If required, you'll need to send this to us by post, which we only accept on working days. Post any documentation by 29 March to make sure we receive it by 5 April. If we receive your documents or cheque after this date your ISA will be opened in the next tax year.

Reminder The ISA allowance for the 2021/2022 tax year is £20,000 (subject to contributions into other types of ISAs). Any unused ISA allowance cannot be carried forward into the next tax year.


What happens if I miss the deadline to open an AA ISA in the 2021/2022 tax year?

If you're applying for the 2021/2022 tax year, but miss the deadline, your AA ISA will be opened in the next year and your deposit will then count towards the 2022/2023 ISA allowance.

For clarity, we'll confirm which tax year your AA ISA has been opened in. If you change your mind, you can cancel your AA ISA within 14 days of opening the account, and any deposit will not count towards your ISA allowance. For more information, please see the cancellation section in the Key Information Pack (which includes the Key Features and the terms and conditions).


What is the last date to pay into my AA ISA for the 2021/2022 tax year?

We'll accept debit card payments until 9pm on 5 April 2022.

If you want to make a payment by cheque or an ISA transfer you'll need to send this to us by post, which we only accept on working days. Post your payment by 29 March to make sure we receive it by 5 April. Cheques received after this date will count towards your 2022/2023 tax year allowance.

Reminder The ISA allowance for the 2021/2022 tax year is £20,000 (subject to contributions into other types of ISAs). Any unused ISA allowance cannot be carried forward into the next tax year.


How is the interest calculated?

1 Easy Access product and Member Easy Access product

Interest is calculated daily and paid annually in March.

2 Fixed Rate product

Interest is calculated daily and paid on the anniversary of product opening. At the end of the fixed term the value of the Fixed Rate, along with any interest earned, will be paid into the Holding Account of the AA ISA, where it will earn a variable rate of interest.

Definitions
Tax free

Tax free means the interest is free from UK Income Tax and Capital Gains Tax. ISA tax advantages depend on your individual circumstances. The tax treatment of ISAs may change in the future.

AER

AER stands for Annual Equivalent Rate. It illustrates what the interest rate would be if it's paid and compounded once a year.

* AA Member

An AA Member is someone that has bought breakdown cover with us directly, not as part of a bank or vehicle partnership program.

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
Bereavement
Redundancy
Caring for others
Divorce and separation

Contact us

Rates correct as at 19 January 2023.

The tax advantages of ISAs depend on your individual circumstances and the tax treatment of ISAs may change in the future.

An AA Member is a customer that has arranged breakdown cover directly with the AA and not as part of a bank or vehicle manufacturer partnership program.

The AA ISA is provided by OneFamily. Money in this AA ISA is deposited with Bank of Ireland UK.

The AA and OneFamily are unable to provide advice on this product. If you have doubts about the suitability of this product, please seek independent financial advice.

OneFamily is a trading name of Family Assurance Friendly Society Limited (incorporated under the Friendly Societies Act 1992, Reg. No. 939F), of which Family Investment Management Limited (Co. No. 1915516) and Family Equity Plan Limited (Co. No. 2208249) are subsidiaries. Registered in England and Wales at 16–17 West Street, Brighton BN1 2RL, United Kingdom. Family Assurance Friendly Society Limited is authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Family Investment Management Limited and Family Equity Plan Limited are authorised and regulated by the Financial Conduct Authority.

Bank of Ireland (UK) plc is authorised and regulated by the Prudential Regulation Authority and the Financial Conduct Authority (FCA), Financial Services Register number 512956. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc, registered in England and Wales number 07022885, Bow Bells House, 1 Bread Street, London EC4M 9BE.