What interest rate does the AA Member Saver pay?

The AA Member Saver pays 4.16% AER variable. Then 1.80% after 12 months.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £416 at 4.16% AER. This assumes the rate stays the same and interest stays in the account.

How much can I pay in?

You can deposit at least £1 and up to £1,000,000.

Who can open this account?

New and existing AA customers can open it. You can open it online.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

How does it compare with other easy access accounts?

At 4.16% AER it ranks 22nd of 193 easy access accounts we track. The best pays 5.50% and the average is 2.86%.

AA Member Saver Review: 4.16% AER (Oct 2026)

Protection

FSCS£120,000

Min balance

£1

Max balance

£1,000,000

Access

Instant

Interest paid

Monthly

The Rate You'll Get

First 12 months

Boosted

4.16%AER

Includes a 2.36% boost for 12 months

Standard rate (after 12 months)

1.80%AER

How It Stacks Up

Ranks 22nd of 193

Easy access accounts we track

Among the best

This account 4.16%

UK CPI (Aug 2026): 3.10%; Pays 1.06% more
Average easy access: 2.86%; Pays 1.30% more
Best easy access: 5.50%; Pays 1.34% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

A better-paying alternative

Tembo

HomeSaver

4.55%

AER

Pays 0.39% more than this AA account
Instant access, open with £10

Compare Easy Access Accounts

We may earn a commission if you open this account.

A Good Fit For

Pro: New and existing savers
Pro: Savers who want instant access
Pro: Savers who want a monthly income

Worth Weighing Up

Con: Rate drops to 1.80% after 12 months
Con: The rate is variable, so it can go down

Good to Know

Only for AA members who hold breakdown cover, or a car or home insurance policy, bought directly from The AA (not through a bank account package, broker or car manufacturer). UK residents aged 18+, sole name only, one AA savings account per person. Provided by NatWest Boxed (National Westminster Bank plc, FRN 121878) and shares NatWest's £120,000 FSCS limit.

Please verify all details with the provider – see our Disclaimer

See all AA accounts

Estimated returns with AA's Easy Access

What you could earn with AA's Member Saver.

Estimated interest

£1,000 saved

£41.60

At 4.16% AER

£5,000 saved

£208

At 4.16% AER

£10,000 saved

£416

At 4.16% AER

£1,000,000 saved

£41,600

At 4.16% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

AA Member Saver Review

The Rate You'll Get

How It Stacks Up

A Good Fit For

Worth Weighing Up

Good to Know

Estimated returns with AA's Easy Access

2 alternatives to AA's Member Saver3 alternatives to AA's Member Saver

Common questions about the Member Saver

Easy Access rate just dropped

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AA Member Saver Review

The Rate You'll Get

How It Stacks Up

A Good Fit For

Worth Weighing Up

Good to Know

Estimated returns with AA's Easy Access

2 alternatives to AA's Member Saver3 alternatives to AA's Member Saver

Common questions about the Member Saver

What interest rate does the AA Member Saver pay?

How much interest could I earn?

How much can I pay in?

Can I withdraw my money?

When is interest paid?

Who can open this account?

Is my money protected?

How does it compare with other easy access accounts?

Easy Access rate just dropped

Be the first to know when this AA rate drops.