Virgin Money Reviews

  Ratings based on 1,191 reviews       Last review 3 days ago    

Virgin Money reviews can help you to find out more about this bank founded by Richard Branson back in 1995. So if you're looking to find out what's great, what's ok, and what could be better, be it about the products, service or channels on offer, our Virgin Money reviews are here to help! Smart Money People is your place for Virgin Money reviews.

Overall Rating

Great

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Virgin Money Review Insight

What are people saying in their reviews?

Price & Interest Rates

54% of feedback is Process related

Customer profile

Top Age Profile: 25-34

Top Channel Preference: App

Credit Cards

AVOID AT ALL COSTS

Absolutely HORRIFIC customer service from their Credit Card team. App regularly does not work and website banking is not an available feature. I was charged interest despite paying more than the minimum - so I call to enquire and get told "I dunno why... Read more

Absolutely HORRIFIC customer service from their Credit Card team. App regularly does not work and website banking is not an available feature. I was charged interest despite paying more than the minimum - so I call to enquire and get told "I dunno why that happened, we'll get someone to call you back..." Weeks later no call. I decide to pay off all remaining balance and close the card - only to get an email saying I can't close it as I still owe money and after they do close it I can still be charged interest if any company tries to charge the CLOSED card??? So I call back and sit on old for 45+ mins before giving up. Avoid at all costs. Would NEVER bank with Virgin again.

Reviewed on 21st September 2021
Laura Marinello's avatar
Laura Marinello
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Credit Cards

What customer service?!!!

If you have lots of time on your hands, then great....but I don't have the time or patience for these ridiculous waiting times. Numerous calls over 6 days, all being on hold for in excess of 90 minutes, is not my idea of good customer service. Then to... Read more

If you have lots of time on your hands, then great....but I don't have the time or patience for these ridiculous waiting times. Numerous calls over 6 days, all being on hold for in excess of 90 minutes, is not my idea of good customer service. Then to be given wrong information and still not receiving the refund I'm owed due to errors made by Virgin is beyond frustrating.
Would NEVER recommend virgin money.

Reviewed on 19th September 2021
Annette Sutton's avatar
Annette Sutton
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Essential Current Account

They dont even deserve 1 star

As others have commented - They lock your money away and will not let you access it - very very shady... Read more

As others have commented - They lock your money away and will not let you access it - very very shady practice.
To say customer service is shockingly bad would be an understatement. There is NO customer service.
Using the app is hideous and internet banking is impossible to use without using the app at the same time.
Steer clear of Virgin Money!

Reviewed on 18th September 2021
Ian Parker's avatar
Ian Parker
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Essential Current Account

when you put money into VIrgin current account forget access to it

I have been trying to transfer my money to another account of mine but they block the payment. called numerus times, they promised they ll unlock the payment, nothing happened even the day after. Called again telling them I need the money transfer... Read more

I have been trying to transfer my money to another account of mine but they block the payment. called numerus times, they promised they ll unlock the payment, nothing happened even the day after. Called again telling them I need the money transfer right away or I am referring to the ombusdman and they hung up. will refer to Ombudsman and all the authorities. AVOID LIKE THE PLAGUE!

Reviewed on 18th September 2021
Marc's avatar
Marc
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Cash ISA

Best interest rate at present.

Best interest rate at the moment with 2 penalty free withdrawals in 12 month period

Reviewed on 16th September 2021
Naomi Lewis's avatar
Naomi Lewis
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Essential Current Account

Still on hold

Been on hold to close my account for 57 minutes and still waiting...

Reviewed on 14th September 2021
Alistair's avatar
Alistair
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Essential Current Account

Can close your account with 2 months notice without explanation

Got a letter saying that they are closing my account in 2 months. I don't believe that I have committed any misconduct but it would be nice to get a reply from the branch manager. Matter has now gone to financial ombudsman

Reviewed on 6th September 2021
Paul Mason's avatar
Paul Mason
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Essential Current Account

Useless app

I don't get any notifications of transactions till the next day it sends wrong balance alerts and overall its useless really considering moving to another bank as fed up with virgin Never had any problems when it was clydesdale bank

Reviewed on 2nd September 2021
Ann Wild's avatar
Ann Wild
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Credit Cards

App not working again tonight and no support phone numbers open in the evening total crap service!

A total disgrace of a service and an app that's always down. No statements since May sp totally in the dark.

Reviewed on 26th August 2021
CHARLIE ELSTON's avatar
CHARLIE ELSTON
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Credit Cards

Must Be The Worst App Ever Designed For A Financial Institution

Everything was going well be able to do business online and then Virgin made the ridiculous decision to say that you can now only do business via their pathetic app. This is an app that constantly crashes, is laborious in that you have to keep... Read more

Everything was going well be able to do business online and then Virgin made the ridiculous decision to say that you can now only do business via their pathetic app. This is an app that constantly crashes, is laborious in that you have to keep entering so many details just to make a payment and now I cannot even get the app to download having to go via the app search every time. But the main problem is that Virgin are not listening to their customers and that is a disgrace. When are you going to get this mess sorted out Virgin??

Reviewed on 22nd August 2021
Bill Wilde's avatar
Bill Wilde
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Credit Cards

No one to talk too

I wanted to report my card lost and thought this would be easy. I have their app….it’s of little use. Tried calling… waited over an hour only to be disconnected. This happened twice. I have given up….and I thought losing a card was serious…apparently not.

Reviewed on 20th August 2021
Mike Strachan's avatar
Mike Strachan
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Essential Current Account

Appalling service and useless authentication code process

Since Virgin Money has started to send authentication codes to enable access to online banking, their system has basically locked me out. They claim that the non-arrival of the code is the fault of Virgin Mobile. Yet many other banks that I have... Read more

Since Virgin Money has started to send authentication codes to enable access to online banking, their system has basically locked me out. They claim that the non-arrival of the code is the fault of Virgin Mobile. Yet many other banks that I have accounts with work perfectly well - their authentication code whizzes through within a few seconds. Hence it is Virgin Money that has not made the necessary adjustment to allow their customers to receive their code if they also happen to use Virgin Mobile. There are other problems too such as not sending a temporary password when requested by phone, and giving so much automated information when calling that it takes at least 5 minutes to get through to an advisor. Avoid this company if you also happen to have Virgin Mobile

Reviewed on 20th August 2021
Frances Reynolds's avatar
Frances Reynolds
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Essential Current Account

App is great and great switch offer

Free wine who wouldn't want that. The switching process was straightforward and the banking app works great. I've never needed to speak to anyone as I can do everything I need to do on the app.

Reviewed on 19th August 2021
Mai's avatar
Mai
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Essential Current Account

BANK TAKEOVER

I HAVE BEEN WITH CLYDESDALE BANK 30 YEARS HOWEVER WITH LITTLE OR NO DISCUSSION BANK WAS TAKEN OVER BY VIRGIN MONEY , AS A CUSTOMER FELT LET DOWN.

Reviewed on 9th August 2021
George Haggarty's avatar
George Haggarty
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Mortgages

Mortgage Team Don't Care About Customers

It took 58 minutes if waiting for me to speak with the mortgage team. Yesterday I tried their call back service. I received a text at 10:45am confirming someone will call me in about 60 minutes. I received a call at 12:00 I quickly clicked answer... Read more

It took 58 minutes if waiting for me to speak with the mortgage team. Yesterday I tried their call back service. I received a text at 10:45am confirming someone will call me in about 60 minutes. I received a call at 12:00 I quickly clicked answer and put the phone against my ear, and said Hello, and the phone call was ended. Terrible customer experience. This is the last time I mortgage with them, in future I will be looking at other mortgage providers.

Reviewed on 26th July 2021
Z Din's avatar
Z Din
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Mortgages

Massively under valued house leading to high LTV

We went through the mortgage applicatipn with virgin was quite please with a great deal on offer LTV and interest rate good we already live in our house and were looking to swap provider to get a better deal. However when it came down to the valuation... Read more

We went through the mortgage applicatipn with virgin was quite please with a great deal on offer LTV and interest rate good we already live in our house and were looking to swap provider to get a better deal. However when it came down to the valuation apparently they do it all electronically and was told computer says price and its got to be right theres nothing we can do....now the value compared to our current mortage company was over 40000 difference and I have no idea how they work the figure out electronically either as house prices in the area did not reflect there value. Therefore they put us on a higher LTV higher interest rate which just defeated why we was looking to move. Therefore we stayed with our current company as with a higher interest rate it wasn't worth it to move. I would AVOID...they lure you in with good deals but really twist it anyway they can to try benefit the company and push you on a rubbish deal.

Reviewed on 20th June 2021
KandD's avatar
KandD
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Mortgages

Easy to deal with

Simple online application . Super quick service

Reviewed on 18th June 2021
Vickie Slater's avatar
Vickie Slater
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Credit Cards

Great interest free card and app

Easy application process, all online, card arrived quickly with a 20 month interest free period. App is super easy to navigate and handy to keep on top of the payments to make to most of the interest free credit. Brilliant all round.

Reviewed on 14th June 2021
Emma Mercer's avatar
Emma Mercer
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Credit Cards

Kept my zero interest rate

My sign on free interest period was due to end this month, out of the blue I get a mail extending it to the end of 2022. Very nice Virgin Money.

Reviewed on 14th June 2021
Gordon's avatar
Gordon
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Credit Cards

Good customer service

Excellent App and customer service deal with issues

Reviewed on 14th June 2021
Lynda Cameron's avatar
Lynda Cameron
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