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AA, Bank of Ireland and some Post Office credit cards to transfer to Jaja – what you need to know

AA, Bank of Ireland and some Post Office credit cards to transfer to Jaja – what you need to know

If you've an AA or Bank of Ireland UK credit card, it'll soon be replaced with a new one from little-known fintech firm Jaja, while some Post Office credit card customers are also affected. It comes after Jaja bought Bank of Ireland's credit card portfolio, and while the way your card works isn't changing much, the way you manage your account online is – here's what you need to know.

Jaja, which was founded by Norwegian entrepreneurs but is headquartered in London, is regulated by the Financial Conduct Authority and signed a deal with Bank of Ireland in June 2019.

As part of the deal, it is becoming the credit card issuer for Bank of Ireland UK and the AA, so credit card customers of these brands will be sent new cards. Post Office credit card accounts opened prior to 28 June 2019 will be moved to Jaja as well, though those opened after this date will not.

For our full set of guides and tools to help you get the best credit card for you, see our Credit Cards section.

How will the change affect how I use my card?

Jaja has said it will write to customers in due course about the new T&Cs, but it's said very little will change in terms of how you use your card – interest rates, fees and your current credit limit will all remain unchanged. Jaja also says any promotional offers currently on your account will continue until they expire.

Customers who are being transferred to Jaja are being sent new credit cards, but you will be able to continue to use your current card until 30 days after your new card is issued, or until you first use the new card – whichever is sooner. You won't need to change your PIN.

One significant change is that your new card will be Visa, instead of Mastercard. Generally this won't affect acceptance in the UK, as both are major schemes, though abroad you may find that some merchants only accept either Visa or Mastercard. Card issuers also have their own exchange rates that they use when you spend abroad. These fluctuate, so it's hard to say for sure which is definitively 'the best', though you can check Mastercard's and Visa's online.

Do I need to change my direct debit?

Your direct debit will automatically transfer to Jaja, so you don't need to change it.

Your statement and payment dates will stay the same as they are today, and if you're a Post Office customer, you'll still be able to pay your credit card bill at the post office.

The way you check your account online is changing

One thing which is changing as a result of the transfer to Jaja is the way you check your account:

  • If you're an AA credit card customer, the current AA credit card app will stop working from 5pm on Friday 2 October and online services will stop working from 11am on Saturday 3 October. You'll need to save any statements you need before then. A new app will be available to download on the App Store and via Google Play from Sunday 4 October – search "AA credit card".

  • If you're a Bank of Ireland UK credit card customer, you'll no longer be able to access your account via the '365 online' site you use currently after 6pm on Saturday 3 October. Again, you'll need to save any statements you need before then. A new app will be available to download on the App Store and via Google Play from Sunday 4 October – search "Bank of Ireland UK credit card".

  • If you're an affected Post Office credit card customer, you'll no longer be able to use the Post Office credit card app once your account's transferred. A new app will be available to download on the App Store and via Google Play from Sunday 4 October – search "Jaja credit card". We're checking how online account access is affected and will update this story when we hear back.