The bank app is user-friendly, but the bank often stops payments when I transfer to a new recipient. I have to then spend half an hour sorting the transactions
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Review summary
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Reviews shaping this summary
I forgot my pin and tried twice to make a deposit payment at a garage. The transaction was blocked by the bank as a precaution. Eventually this matter was resolved, it does depend on who you speak to... See more
Company replied
It was easy enough to apply but was a bit disappointing to find recently via a Virgin Red email that they are now offering more points for new applicants than they were when I signed up. I hope they'l... See more
Company replied
Easy to open account, customer service is easy to speak to unfortunately depends who you speak to and how much knowledge they have can be an issue. Having asked a question to them all i got as a resp... See more
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Company details
Written by the company
Virgin Money is the UK’s 6th largest bank and a proud member of the Virgin Group. By making banking better, we aim to deliver on our purpose of ‘Making you happier about money’, offering award-winning products and services to meet the full range of our 6.6m customers' retail and business banking needs. Our strategic ambition is to be the UK’s best digital bank.
Contact info
United Kingdom
- uk.virginmoney.com
3.2
Average
13K reviews
No history of asking for reviews
This company hasn't invited their customers, so reviews may not be representative
Replied to 99% of negative reviews
Typically replies within 24 hours
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I forgot my pin and tried twice to make…
I forgot my pin and tried twice to make a deposit payment at a garage. The transaction was blocked by the bank as a precaution. Eventually this matter was resolved, it does depend on who you speak to and which deportment. The last lady I spoke to got the transaction passed.There is a lot of fraud going on so banks have a nightmare job keeping our money safe.
Virgin at least answer the phone fairly quickly on a freephone number which is a nice touch. Well done!
29 May 2026
Unprompted review
Reply from Virgin Money UK
Good morning, thanks for your updated review - it's much appreciated.
We're glad to see you managed to speak to us quickly, and that the matter has been resolved.
Have a lovely weekend.
Thanks, Virgin Money
Outstanding bank
I’ve used Virgin Money for many years now including my parents and siblings - I guess you could it our family savings bank. My local branch in Carlisle is always super helpful, friendly and staff (despite not being a relationship bank) get to know you and truly care about your experience. I also had a similar experience in the Newcastle upon Tyne branch. While the digital services can be a little laggy/glitchy occasionally, they work and keep you secure which is key and are overall pleasant to use and feature packed. I love our Virgin Atlantic Credit Cards and the perks associated, alongside them being easy to use and the app works well. However, I’d love to be able to add the credit card app on multiple devices like the business/current account app. Products are often industry leading and often so simple to set up and operate. Customer Service over the phone is also excellent and clear to understand with convenient opening hours. Interest rates for savings are also excellent. Also there for me when I needed additional support due to personal health circumstances and went above and beyond to help. I’ve been to many banks, however, always seem to return to Virgin for their ease, care and support. Outstanding service and a lovely little bank. I’d be gutted if Nationwide dropped the Virgin brand and bank, however, I do love Nationwide too so best of both worlds!
29 May 2026
Unprompted review
Reply from Virgin Money UK
Hi there, thanks so for much for the Amazing 5* review, we really do appreciate it!
We're so glad to see that our team, products and processes have made you feel so at ease when it comes to managing you and your family's money, and are so grateful for all the kind words you have shared.
Here at Virgin Money we aim to make our customers feel more confident when it comes to managing their finances, whilst providing the best support possible, and we're so glad to hear that you're receiving both!
I hope you have a great rest of your day, and an amazing weekend as well.
Thanks, Virgin Money
Not good experience
Not good experience. They still write to me 4 years after i closed account. So clearly not deleted my data !
I did that (contacted on chat) and im told its a different department!! 🙄
29 May 2026
Unprompted review
Reply from Virgin Money UK
Hi, thanks for bringing this to our attention.
We apologise that you've been receiving letters in regards to an account with us, but let us point you in the right direction to get this all sorted.
It sounds like the account is either open, or has a balance on there for the letters to still be sent out, which are automated by our system.
We'd recommend contacting that team directly to get to the bottom of this via the details on the letter. Or, you can find our opening times and contact details here: https://uk.virginmoney.com/contact/
Thanks, Virgin Money
Pointless
Ref 81153
So even with virginmoney given me email which i used , ref number which i used ,still dont bother getting back to me . lack of interest and communication is shocking. 2 weeks ago I sent email of a complaint, complaint an complaint. Not even a acknowledgement.
Nothing in my spam before you blame that . If not interested at least say doing nothing ...
That's my point 2 weeks 14 days heard nothing so your 5 day policy isn't being done . Not even a we've got your email which I would consider standard practice. As 2 on trustpilot.com an 2 to bank directly you would think so effort would be made
29 May 2026
Unprompted review
Reply from Virgin Money UK
Hi Robert, thanks for bringing this to our attention.
We apologise that you've not heard back from our team with regard to your complaint, and that you've needed to log one, but we can help clear up the timescales and point you in the right direction.
When you log a complaint with us, if there's no resolution within 5 days, we'll send you a letter to inform you that we have up to 15 days to resolve a payment complaint, and up to 56 days on non-payment complaints.
If we breach of these timescales, you'll then have your right to take this to the Ombudsman.
However, once your complaint is allocated to a handler, they'll contact you to confirm the complaint details to make sure we have the correct information.
To get to the bottom of this, you can contact our Complaints Team on 0345 266 1244, they’re available Mon - Fri between 9am - 5pm or customerrelations@virginmoney.com
Thanks, Virgin Money
Since joining as a new member I am…
Since joining as a new member I am enjoying the use of my card, I'm hoping this will have a positive impact on my credit score, I was confused about how to making my payment for my card but I managed to sort it out 😊
26 May 2026
Unprompted review
Reply from Virgin Money UK
Hi Michaela, thanks for leaving us a review.
We're glad to see that you've now sorted out the payments to the Account, and that now you're on board with us, so a big welcome over to Virgin Money!
Please let us know if there is anything we can do to get that 5th star! And in the meantime, take care and have a lovely weekend.
Thanks, Virgin Money
General Queries
Adam was extremely helpful in dealing with my questions and queries that I was confused about! I came away with everything I needed from our conversation!
28 May 2026
Unprompted review
Reply from Virgin Money UK
Hey Josh!
We're delighted to hear Adam was extremely helpful and managed to help make sense of any questions and queries you needed answers to.
Take care, and enjoy the rest of your evening.
Thanks, Virgin Money
Good experience
Due to an oversight on my part, I was charged a small interest fee even though I paid by balance off in full. I spoke to both Curtis and Adam and I was given a refund thank you very much. 
28 May 2026
Unprompted review
Reply from Virgin Money UK
Hi there,
We're pleased to hear both Curtis and Adam were able to recognise when a genuine mistake has been made, and were happy to refund those unexpected charges.
Thanks for taking the time to bring your experience to our attention, your feedback is very much appreciated.
Thanks, Virgin Money
easy applicaation
15 April 2026
Unprompted review
Reply from Virgin Money UK
Good afternoon Peter!
Great to hear you found the application easy, and your 5* rating is also very much appreciated.
Thanks, Virgin Money
Great way to earn virgin points
13 May 2026
Unprompted review
Reply from Virgin Money UK
Thank you for review Zubair, we think so too!
The question is, is there anything that you can suggest that would maybe boost that 4 to a 5*?
Thanks, Virgin Money
Really straight forwards and easy to…
Really straight forwards and easy to apply
10 May 2026
Unprompted review
Reply from Virgin Money UK
Fantastic to hear from you!
We're delighted to see a 5* rating drop in, alongside comments to reflect how straight forward, and easy you've found our process to be - it's exactly what we aim for.
Have a wonderful day ahead.
Thanks, Virgin Money
I would like to say big thank you to…
I would like to say big thank you to Rachel for being super helpful and understanding with my situation over the chat. The whole thing got sorted within minutes.
27 May 2026
Unprompted review
Reply from Virgin Money UK
Hi Adrianna,
We would also like to say a big 'thank you' to you too. For taking the time to leave us a review and letting us know that the 5* customer service we aim to provide, is certainly being delivered.
It's wonderful to hear Rachel was understanding if your situation and was able to help get things sorted for you within just a few minutes.
Take care, and enjoy the rest of your day!
Thanks, Virgin Money
Virgin money was good until Nationwide…
Virgin money was good until Nationwide took over. I used to be able to make payments to my credit card using my debit card, I could make any amount I choose, I always paid the minumum, but if I was flush one month I could pay more. Then they took away the ability to pay by debit card. I cannot make payments via their stupid app as my bank isn't listed. I tried set up a direct debit and it accidentally got cancelled, I tried setting it up by their stupid app and it said it was successful, but for some reason no money came out of my account. So now I get an email about a late payment. Last month I had to make a payment via the automated phone service but this month it seems everything has changed AGAIN, their automated service keeps trying to direct me to the damn app! What is it with apps? If you want people to use apps then put the damn service in their for me to use!
27 May 2026
Unprompted review
Reply from Virgin Money UK
Good morning Mick,
Appreciate you taking the time to share your views on the recent transfer to Nationwide, and also highlighting various issues you've since encountered when making a payment.
I'd like to address each point you've raised, and provide an explanation to the reasons behind those changes.
The option to make a payment by Debit Card from the App, and replaced with bank transfer/faster payment. By doing this, it quickens up the payment process as payments clear within just a few hours as opposed to Debit Card payments which can take 2-3 working days. However, if you'd still prefer to pay by Debit Card, you can do so via the automated telephone service (0800 011 3210) and selecting option 4.
As the bank transfer/faster payment feature is still fairly new to us, some customers may find that their bank aren't listed. We understand this is frustrating, and apologise if this is something that impacts you personally. We're hoping to be able to add to that list in the future, so keep your eyes open for any updates on that.
When it comes to setting up a Direct Debit, it's not always possible for us to take that in time for your next payment that's due. For example, if the Direct Debit is set up after the statement has been produced. In this case, you'd still need to make your next payment manually, and the Direct Debit would start as of the following month. Once you've set up the Direct Debit in the App, a message will appear to advise that you must continue to make payments as normal, until you see on your statement that the Direct Debit will take your next payment.
The pre-recorded message that prompts customers to use the App is simply us trying to help the customers manage their account more efficiently. If we're experiencing high call volumes, it may take us longer than usual to answer your call or for you to get the answer to your query without having to wait for long periods of time. Our App is not only the quickest way to make a payment, it's also full of lots of useful information and FAQ's on our most commonly asked questions.
I hope that this response helps clear up the points you've raised and hopefully you'll see the changes we've made are for the better and to improve the overall experience for our customers.
Thanks, Virgin Money
totally satisfied before nationwide took over, now leaving
many years of being a totally satisfied Virgin money customer, sadly within one month of Nationwide taking over its all gone to pot.
untold seamless transfers to my Revolut account now unable to to so, contacted VM and we tried without lock, so escalated to the IT team, phone call the following day asking stupid question, then a week later an email from the It team saying all was good and they could see I had been able to make a transfer, sadly this was in my other account and between the two account on that card.
when speaking to the It team they had simply no idea of the initial issue and kept reverting back to there chosen fact, when i tried to explain the issue I realised the guy had no concept of the original issue and obviously had not read the information that all other operators could see an understand.
I ended up giving up after the last customer service guy didnt seem interested in sorting the issue, but just finding a workaround.
I wonder how many more clients like myself will change bank if there is no help from those taking over from Virgin.
20 May 2026
Unprompted review
Reply from Virgin Money UK
Good morning,
It's disappointing to hear you feel there's been a decline in our customer service since the transfer to Nationwide, and appreciate you sharing your story.
We value all customer feedback as it helps us recognise what areas we must focus on to improve our services and overall customer experience.
We're sorry you've made the decision to leave, and hope that maybe one day you'll change your mind and come back to us.
Thanks, Virgin Money
Credit limit was reduced significantly…
Credit limit was reduced significantly with no advance notice, despite a clean payment history and no missed payments. The reduction caused a serious jump in card utilisation, with knock-on effects to my credit file.
Raised a formal complaint. The response was a generic restatement of terms and conditions with no real engagement with the points raised. On further follow-up, was simply told the case would not be reviewed again.
No accountability, no proper explanation, no willingness to consider the customer impact. Would not recommend Virgin Money to anyone considering a credit card — particularly if you rely on a stable limit.
18 May 2026
Unprompted review
Reply from Virgin Money UK
Good Morning Vishal, thanks for taking the time to share feedback relating to your experience - we're sorry you're unhappy your credit limit was reduced, and you feel there was no clear explanation behind the reason why.
Our Customer Relations team will have conducted a thorough investigation into all points raised, prior to providing you our 'Final response' on the matter - if you remain unhappy, we'll have included details on how to escalate this further.
We're sorry you feel let down by us, and as a result would not recommend us to others - this is disappointing to read, but we understand your reasons behind that.
Thanks, Virgin Money
Had a credit card payment pending but…
Had a credit card payment pending but was receiving messages saying I had missed the payment deadline. I spoke to Rachel & she made sure I wouldn’t be charged. Really quick, thank you so much!
27 May 2026
Unprompted review
Reply from Virgin Money UK
Thanks for taking the time to share your story with us Eilis!
We work hard behind the scenes to deliver exceptional customer service, and it's wonderful to hear that Rachel was quick off the mark to provide you with the assurance that you needed regarding those charges.
Take care and enjoy the rest of your evening.
Thanks, Virgin Money
Awful joining experience.
Awful joining experience.
Couldn't add my business savings account to Xero because I didn't have a debit card.
Rang support, was on hold, then told "select virgin credit card instead" - that worked and I was able to add my account to Xero.
Then tried to use the android app, and once again I can't sign in because it asks me for a debit card number.
Now I phone support again and they say business savings accounts aren't supported by the app!
What a joke
27 May 2026
Unprompted review
Reply from Virgin Money UK
Hi James, thanks for your review.
We are glad you finally managed to link your account to Xero however are sorry to hear of the overall experience you've had.
With it being a standalone business account this would be viewed online only - we do apologise for the inconvenience this has caused you.
Thanks, Virgin Money
easy application
From start to finish this was an easy application, with a quick decision turn around time.
27 May 2026
Unprompted review
Reply from Virgin Money UK
Hi James, thank you for your kind feedback!
We're really pleased to hear that you found the application process easy and that the decision was made quickly.
Welcome to banking with us :) Take care!
Thanks, Virgin Money
I communicated with Rachel via the chat…
I communicated with Rachel via the chat this morning before 9 am. My questions were answered quickly and with additional information that also supported my questions. Many thanks for the help and advice most useful.
27 May 2026
Unprompted review
Reply from Virgin Money UK
Hi Paula, thanks for your five-star review.
We're delighted that Rachel was able to assist you this morning - ensuring you are fully supported, that's what we love to hear. We'll be sure to pass on this lovely feedback too!
Please take care and enjoy the rest of your day :)
Thanks, Virgin Money
Really easy to open a business current account
Really easy to open a business current account. Weve had savings accounts before and that was straightforward, and the current account likewise. Approved within a couple of hours of starting the process
2 April 2026
Unprompted review
Reply from Virgin Money UK
Good afternoon,
We're absolutely delighted to hear you've decided to open another account with us, and we hope that our Business account lives up to your expectations.
Customer feedback is invaluable to us, we really appreciate you taking the time to share your experience and would like to thank you for choosing Virgin Money once again.
Thanks, Virgin Money
Reply from Virgin Money UK
Hi Alan, thanks for stopping by to share some feedback relating to your recent experience.
We're so pleased to see your 5* rating - it's exactly what we aim for!
Have a fantastic day ahead.
Thanks, Virgin Money
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