AA savings accounts overview

AA offers a variety of savings accounts with interest rates up to 3%.

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AA
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Breakdown cover customers can get extra benefits and higher interest rates
Not good for face-to-face support as it has no physical branch presence

AA (originally The Automobile Association) is a British motoring association founded in 1905. The company offers higher interest rates exclusively for AA Members.

AA's top savings rate of 3% is available on one of its cash ISA accounts.

Easy access savings accounts

Table: sorted by interest rate
AA's best easy access rate of 2.15% is significantly lower than today's market-best rate of 7.49%.
1 - 5 of 5
Name Product Account type Withdrawals Min. opening balance Interest rate Deposit protection Open via Incentive Apply link
AA – Member Saver - Issue 18
Variable
Instant access
£100
2.15% AER variable
FSCS logo
protected
Open via: website
Go to site
View details
AA – Easy Saver - Issue 27
Variable
Instant access
£100
2.05% AER variable (includes a 0.5% bonus )
FSCS logo
protected
Open via: website
Go to site
View details
AA – AA ISA - Member Easy Access Issue 14
Cash ISA
Instant access
£100
2% AER variable
FSCS logo
protected
Open via: website
Go to site
View details
AA – AA ISA - Easy Access Issue 31
Cash ISA
Instant access
£100
1.9% AER variable (includes a 0.35% bonus )
FSCS logo
protected
Open via: website
Go to site
View details
AA – AA ISA - Holding Account
Cash ISA
Instant access
£100
1.55% AER variable
FSCS logo
protected
Open via: website
Go to site
View details
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Cash ISAs

Table: sorted by interest rate
AA's best cash ISA rate of 3% is significantly lower than today's market-best rate of 5.1%.
1 - 5 of 5
Name Product Interest rate Minimum investment Interest paid Withdrawals Deposit protection Open via Incentive Table product description Apply link
AA – AA ISA - Fixed Rate Issue 25
3% AER fixed for 2 years
£500
Anniversary of account opening
Withdrawals not permitted
FSCS logo
protected
Open via: website
Go to site
View details
AA – AA ISA - Fixed Rate Issue 25
2.9% AER fixed for 1 year
£500
Anniversary of account opening
Withdrawals not permitted
FSCS logo
protected
Open via: website
Go to site
View details
AA – AA ISA - Member Easy Access Issue 14
2% AER variable
£100
Yearly
Instant access
FSCS logo
protected
Open via: website
Go to site
View details
AA – AA ISA - Easy Access Issue 31
1.9% AER variable (includes a 0.35% bonus )
£100
Yearly
Instant access
FSCS logo
protected
Open via: website
Go to site
View details
AA – AA ISA - Holding Account
1.55% AER variable
£100
Yearly
Instant access
FSCS logo
protected
Open via: website
Go to site
View details
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Compare more ISAs up to 5.1%

What is AA's best savings account with the highest interest rate?

The best savings account depends on what you want from your savings. If you're after fast access to your money, then an easy-access account should suit you. However, if you're happy to lock your money away for a time to access a higher rate, then a fixed-rate bond is a good option.

Finally, if you're looking to maximise your returns and shield them from income tax, consider an ISA. Below, we've listed the different types of accounts AA offers, plus the highest interest rate currently available.

Savings account types include Easy access, cash ISAs
Best easy access rate 2.15%
Best cash ISA rate 3%
Opening options Website
FSCS protection

Is it easy to switch to AA?

The AA aim to make switching your savings account to them as easy as possible. That’s why the online application is quick and easy, and allows you to set up an account with a minimum of £100.

Every AA ISA account also comes with a holding account, so you can consolidate your existing savings before moving them to your savings product.

How do I decide which account is for me?

You need to work out what it is you need from your bank account. Are you looking to put a bit of money away each month? Do you want to put some money away and restrict access to it? Are you after rewards or hoping to maximise interest?

You need to work out what you need before comparing the different offers available for certain types of bank account. Once you’ve done that, useful guidelines to compare include:

  • Interest rates
  • Fees (if there are any)
  • Access to cash (if you need quick access for instance)
  • Rewards and loyalty schemes (if you’re into the add-ons or switching bonuses)

Does AA offer online or mobile banking?

Yes. AA offers online banking.

Here are some of the basic features of AA’s online banking service:

  • View rates and current balances at anytime
  • Make transactions at your convenience

AA Savings customer reviews

AA Savings was highly commended in the savings category in the Finder Customer Satisfaction Awards in 2024, with 97% of customers saying they’d recommend the service to a friend. Feedback included praise for its customer service and competitive rates of interest.

One customer commented: “Very easy application process, funds came in quite quickly and staff were always available to help.”

Another customer said: “No issues and straightforward registrations.”

What are the benefits and drawbacks of saving with the AA?

The benefits

  • Benefits to members. The AA give extra benefits, such as higher interest rates, to their breakdown cover customers.

The drawbacks

  • Online only. The AA have no physical branches, so if you prefer face-to-face customer service, AA might not be the way to go.

Our verdict: Is opening a savings account with AA worth it?

You might think that the AA is just to do with cars, but it does indeed offer a range of savings options. Take a look at our other reviews first, though, to see how the AA savings accounts weigh up against the competition in terms of rates, fees and perks.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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