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Virgin Money reviews

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Rated Good 3.58/5

Virgin Money reviews

Verified businesses always have up to date contact details and can respond to reviews.

Verified business
Last reviewed within 14 days
  • FCA approved and regulated
    FCA approved and regulated
  • Fully digital service with no in-person branches
    Fully digital service with no in-person branches
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website
  • Provides paperless statements and documents
    Provides paperless statements and documents

Review summary

People rate this company as Good based on 1,735 product reviews

Average score of 3.58/5
5 star
58%
4 star
12%
3 star
4%
2 star
3%
1 star
23%
Reviews for Virgin Money have trended positively over the past 90 days

V***** Money scores well for competitive interest rates, easy-to-use apps, and helpful staff in branches. Their credit cards with air miles and cashback perks also get a thumbs up. However, the customer service is often described as dreadful, with long waits, poor communication, and frustrating processes. Many find the app glitchy and the mortgage and pension services a nightmare to deal with.

Positive themes

  • V***** Money credit cards offer great rates and useful air miles rewards.
  • The V***** Money app is generally easy to use and handy for managing accounts.
  • V***** Money provides competitive interest rates on ISAs and savings accounts.

Negative themes

  • Customer service at V***** Money is often rude with long waits and poor help.
  • The V***** Money app frequently glitches or locks users out causing frustration.
  • Mortgage and pension services at V***** Money are slow and full of errors.
Summarised by AI
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About Virgin Money

Virgin Money is a UK financial services company.

Virgin Money has been owned by Nationwide Building Society since 2024. The original Virgin Money brand was founded by Richard Branson in 1995. Today, Virgin Money has over 6.6m customers. Accounts can be managed online via internet banking or a mobile app.

Virgin Money products include current accounts, savings, loans, insurance, credit cards, mortgages and pensions.

Virgin Money at a glance

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Reviews for Virgin Money

Showing 11 of 1735 company reviews Last reviewed within 14 days

Disappointing experience with claims department.

Travel insurance 20th December 2025

I have had three annual travel policies and three policies specifically for cruises. Until this time I had never needed to make a claim. On... I have had three annual travel policies and three policies specifically for cruises. Until this time I had never needed to make a claim. On our cruise this year we missed a port, so I contacted Virgin to see if we were covered. They advised me I was but needed to contact Ergo travel as they handle claims on behalf of Virgin. A missed port is a very simple claim, as proof is provided by the cruise operator. The claim process was far from simple. A great deal of information was required but I submitted everything they asked for. Email confirmed they would reply in 20 working days, they didn’t. Chased and received what I feel was a rude reply. Called customer services who said they couldn’t help. Not sure what their purpose is then? Suggested I make a complaint if I was unsatisfied. I did. My complaint was upheld and I received £50 compensation. My claim was then denied and when I asked for an explanation had to wait ages again. This has taken over three months to be dealt with. I feel you don’t really know how good your insurance company is until you need to make a claim. On the basis of my experience I will definitely not be renewing with Virgin money. Read more Read less

Rated Poor 2/5
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Sent in claim it got returned no explanation, after...

Travel insurance 18th December 2025

Sent in claim it got returned no explanation, after hrs trying to contact them on the phone was told they couldn’t help, went on the... Sent in claim it got returned no explanation, after hrs trying to contact them on the phone was told they couldn’t help, went on the app no help at all do not use this company Read more Read less

Rated Terrible 1/5
Read more product reviews
  • 1/5

    Virgin and AIG insurance contact now almost useless

    Contacted AIG to renew 2025 and put through to someone who could not speak decent English, had no idea of insurance. Computer generated answers which... Contacted AIG to renew 2025 and put through to someone who could not speak decent English, had no idea of insurance. Computer generated answers which were unintelligible. No idea what the person was saying and just quoting off a computer screen. Probably will need to move from Virgin and try another. Read more Read less

    {"display":"Sinka","full_name":"Sinka","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Travel insurance
    Sinka 17th November 2025
  • 3/5

    ISAs can't be managed via their app!

    Had a Virgin Money fixed term ISA. It was a good product with competitive rates and access via website and/or app. My fixed term ISA... Had a Virgin Money fixed term ISA. It was a good product with competitive rates and access via website and/or app. My fixed term ISA matured recently, so wanted to open a new one. Unfortunately, I've been informed that all ISAs offered by Virgin Money currently are e-ISAs and require a separate account and access via website only, with no option to view and manage it via the app. And a separate login profile is apparently required, so thought it was too much hassle and decided against opening a new one with VM... Read more Read less

    {"display":"Peter S","full_name":"Peter S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Cash ISA
    Peter S 9th September 2025
  • 1/5

    Avoid Virgin/Ergo holiday insurance

    My flight was cancelled and the holiday insurance did not pay out. Virgin outsource holiday insurance to Ergo. Ergo hide behind the small print to... My flight was cancelled and the holiday insurance did not pay out. Virgin outsource holiday insurance to Ergo. Ergo hide behind the small print to avoid paying out. A normal consumer would expect a cancelled flight to be covered but not Virgin/Ergo Read more Read less

    {"display":"Robert A","full_name":"Robert A","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Travel insurance
    Robert A 22nd August 2025
  • 1/5

    This bank has one of the worst service out there.

    This bank has one of the worst service out there. We have banked with them for over 65 years. The credit card cancels transactions without... This bank has one of the worst service out there. We have banked with them for over 65 years. The credit card cancels transactions without notification. Things like holiday insurance or taxis to the airport the night before you leave. Then deny it and cant find phones calls you have made to them. Yet acknowledge that you did make a call but mysteriously cant find it. Don't Use them. Read more Read less

    {"display":"Mark James","full_name":"Mark James","avatar":{"url":"\/assets\/uploads\/avatars\/users\/591244.png"}}'s avatar
    Credit cards
    Mark James 21st August 2025
  • 1/5

    I recently took out cruise cover which cost £180,alo...

    I recently took out cruise cover which cost £180,alongside my existing travel insurance. Our flight from London Heathrow was cancelled along with "ALL" airlines due... I recently took out cruise cover which cost £180,alongside my existing travel insurance. Our flight from London Heathrow was cancelled along with "ALL" airlines due to a fire at an electrical substation. We had a cruise booked out of New York the following day, unable to reach N.Y.from Heathrow,we caught a eurstar train to Paris to see if we could catch a flight from there,but everything was fully booked,resulting us staying in Paris and missing our cruise.We informed Virgin Insurance and they are not interested,as you are only covered for 3 things,industrial action, adverse weather and a vehicle breakdown on the way to the airport. They classed the fire as a catastrophe and guess what... your not covered for catastrophies !!! I would never use this company or reckoned anyone else use them. Read more Read less

  • 1/5

    Infuriating

    Infuriating. Their website is terrible and won’t allow me to login because my “claim number isn’t linked to any policy” even though I have a... Infuriating. Their website is terrible and won’t allow me to login because my “claim number isn’t linked to any policy” even though I have a form which quite literally states that exact number. Okay, so I can’t make a claim without the number. I’ll just email them! Except I’ve received no response to my email for weeks upon end. Okay, how about phoning them? Well I was sent around to the same person in a circle which seemingly never ended. They want to make it as infuriatingly hard to navigate and difficult to use as possible as to minimise the amounts of claims being made by customers. Purely terrible. Read more Read less

    {"display":"The t","full_name":"The t","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Travel insurance
    The t 16th July 2025
  • 1/5

    You cannot even get the reviews right .

    You cannot even get the reviews right . NO I AM NOT WRITING IT AGAIN.

    {"display":"mick chesman","full_name":"mick chesman","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1266677.png"}}'s avatar
    Cash ISA
    mick chesman 9th July 2025
  • 1/5

    I have twice emailed them with a specific pertinent...

    I have twice emailed them with a specific pertinent question and never received a response

  • 5/5

    always great interest rates and prodcuts.

    always great interest rates and prodcuts. have been using Virgin for around 10 years. Thier web page is easy to navigate too.

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