The AA

AA savings accounts: An overview

Can the Automobile Association provide you with the right savings account?

No reviews yet. Write a review

AA (originally The Automobile Association) is a British motoring association founded in 1905. It was established to help motorists avoid police speed traps in response to the Motor Car Act 1903. The act introduced new penalties for breaking the speed limit and reckless driving with fines, endorsements and the possibility of prison time.

Over time, the company expanded and it now provides car insurance, driving lessons, breakdown cover, loans, motoring advice, road maps and other services to customers across the nation. The company offers higher interest rates exclusively for AA Members.

Cash ISAs

Table: sorted by interest rate, promoted deals first
Name Product Account type Withdrawals Min. opening balance Interest rate Apply link
AA – AA ISA - Fixed Rate Issue 20
Cash ISA
Withdrawals not permitted
0.4% AER fixed for 2 years
AA – AA ISA - Member Easy Access Issue 8
Cash ISA
1 days notice needed
0.35% AER variable

Compare up to 4 providers

What savings accounts does AA offer?

AA offer five different savings accounts, including an account for AA members:

Easy Saver

  • Open an account with a minimum deposit of £100
  • Free withdrawals with no penalties or notice periods
  • Interest paid annually on anniversary of account opening
  • Manage your savings online 24/7
  • Quick and easy online application
  • Save regularly or with a lump sum

Member Saver

  • Minimum deposit of £100
  • Rewards AA members with exclusive accounts
  • Unlimited withdrawals
  • Interest paid annually on anniversary of account opening
  • Manage your savings online 24/7
  • Minimum deposit of £100
  • Quick and easy online application
  • Save regularly or with a lump sum

Easy Access Product

  • Tax free introductory interest rate for 12 months from account opening
  • Interest calculated daily and paid to you in March.
  • Minimum deposit of £100.
  • Transfer in ISAs held elsewhere

1 or 2 Year Fixed Rate product

  • Interest calculated daily and paid annually
  • One deposit per product
  • Minimum deposit of £500
  • Transfer in ISAs held elsewhere

Member Easy Access product

  • Interest calculated daily and paid in March
  • Minimum deposit of £100
  • Transfer in ISAs held elsewhere

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

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

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.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site