AA savings rates and review: ISAs & easy access accounts

AA (originally The Automobile Association) is a British motoring association founded in 1905. As well as offering insurance and breakdown cover, it previously offered a range of savings accounts through its partnership with Bank of Ireland.

These accounts are no longer available to new customers, but the AA has since launched a new easy access savings account that’s provided by NatWest. It offers a higher interest rate for AA members.

AA's top savings rate of 8% is available on one of its easy access accounts.

Easy access

Notice savings accounts

Regular savings accounts

Business

Easy access savings accounts

Table: sorted by interest rate

AA's top easy access rate of 8% is the best currently on the market.

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Account type	Withdrawals	Min. opening balance	Rate	Deposit protection	Open via	Incentive
AA Savings Member Saver	Variable	Easy access	£0	4.16% AER variable (includes a 2.36% bonus )		Open via: website. Available to AA member customers.	Go to site More info Compare product selectionCompare	loading
AA Savings Easy Access Savings	Variable	Easy access	£0	4.07% AER variable (includes a 2.37% bonus )		Open via: website.	Go to site More info Compare product selectionCompare	loading

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Compare more instant and easy access accounts up to 8%

Notice savings accounts

Table: sorted by interest rate

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Account type	Withdrawals	Open with	Deposit protection	Rate	Open via	Incentive	Table product description
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Regular savings accounts

Table: sorted by interest rate

AA's top regular savings account rate of 7.5% is the best currently on the market.

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AER	Save	Withdrawal notice	Interest paid	Deposit protection	Open via	Incentive	Table product description
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Business savings accounts

Table: sorted by interest rate

AA's best business savings account rate of 4.55% is very slightly lower than today's market-best rate of 4.68%.

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Interest rate	Interest paid	Open with	Term	Incentive	Table product description
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Is it easy to switch to AA?

The AA aims to make switching your savings account to them as easy as possible. That’s why the online application is quick and easy and there’s no minimum deposit requirement, so you can start saving straightaway.

How do I decide which account is for me?

Currently the AA only offers an easy access account. Whether this is right for you depends on what it is you need from your savings account. If you’re looking for an account that allows you to add and withdraw funds whenever you want to without penalty, this could be a great option – particularly if you’re an AA member. But if you want to lock away your funds for longer in return for a higher interest rate, you will currently need to compare accounts from other providers, looking at the interest rates available and minimum deposit requirements.

Note that the AA easy access account includes a bonus rate for 12 months – after this time, the interest rate will drop, so you may wish to move your funds to a more competitive account at that point.

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 gives extra benefits, such as higher interest rates, to its breakdown cover customers.
Easy to open. Quick to open an account online.
No minimum deposit. You won’t need to worry about meeting a minimum deposit requirement.
FSCS protection. You have peace of mind that your money is protected up to a total of £120,000 by the UK’s deposit guarantee scheme.

The drawbacks

Online only. The AA has no physical branches, so if you prefer face-to-face customer service, you’ll need to look elsewhere.
Rate includes a bonus. The overall interest rate drops after 12 months so you may want to move your savings elsewhere after this point.
Only offers easy access account. The AA currently only has the one savings account.

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 also offers savings accounts. Since teaming up with NatWest, it now only offers the one account, so it won’t be suitable for everyone. But this may change over time. Take a look at our other reviews as well to see how the AA savings account weighs 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 is provided by Defaqto. In other cases, Finder has sourced data directly from providers.

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Written by

Chris Lilly

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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