Write a review

Virgin Money: M Plus Account reviews

Name: M Plus Account
Rating: 3.74 (19 reviews)

View other Virgin Money products

3.46

Based on 19 reviews, last reviewed 27th Feb 2025

300% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

58%

11%

21%

Latest highest rating:

4

Cydesdale Bank/VM customer for over 50 years I have been a Clydesdale Bank (now Vrgin Money) customer for 50+ years. My wife and I were both staff at one time and we held a ClyBk mortgage for abo... Read more Reviewed on: 27th February 2025

Latest lowest rating:

2

I’m a contractor and came over from Mettle. I’m a contractor and came over from Mettle. This account is far too basic for running my business. I’ve gone back to Mettle as with them I can categor... Read more Reviewed on: 8th November 2024

Read all reviews See your review

About this product

The M Plus account is designed to assist with money management and saving. The account is linked to Virgin Money’s M Plus Saver, and account holders can access exclusive ISAs and savings rates. The account is free to open and manage, and it offers a range of cashback deals.

Integrating your savings into your day-to-day finances can be an effective way to save. Our Virgin Money M Plus reviews can give you valuable insight into this savings-focused current account. Be confident you’re making the right decision by reading the reviews on Smart Money People.

Find out why customers chose the M Plus account and if they’ve been satisfied so far. Has the account supported customers to save more, or made it easier for them to do so? Read about the various features that promote good savings habits. Find out what cashback deals customers have redeemed. Learn about Virgin Money’s mobile banking app. Find these valuable insights in our Virgin Money M Plus reviews.

Leave a review if you have experience with this account. Tell us why you chose the account and how long you’ve had it. Has the account helped you work towards your savings goals? Have you made use of the exclusive ISA offers, and if so, have you been satisfied with them? What are the main benefits of the account, and is there anything that you feel could be improved? Would you recommend the account to your family and friends? Whether good or bad, write an honest Virgin Money M Plus account review today. Together, we can help people like you make better financial decisions.

Virgin Money M Plus Account reviews (19)

Review of the Virgin Money, M Plus Account:

Cydesdale Bank/VM customer for over 50 years

I have been a Clydesdale Bank (now Vrgin Money) customer for 50+ years. My wife and I were both staff at one time and we held a ClyBk mortgage for about 30 or those years until fully paid off. We are in a strong financial position and therefore a "private client". I've seen personalised service degrade since the VM "merger" and we can no longer have f2f meetings with private client manager (who is Glasgow based) unless we are buying a bank product. Also we are on our 3rd manager in 5 years (previous very good but made redundant) and our nearest branch (VM having closed Guildford & Reading) is 30 - 50 miles away or more. CLub M account is good for insurance coverage and worth the money. Also competitive rates on Cash ISa and 1 year e-bond accounts, al of which my wife and I hold. Hoping the Nationwide acquisition will improve things, although the Scottish element will have disappeared (as it did with Virgin Money rebrand). Reviewed on: 27th February 2025

Uncertain future

I'm concerned that the merger with Nationwide will reduce competition and choice in the retail banking sector. Interest rates on the current account and savings account are low. The Virgin branding will I believe disappear, without reference to customers. I may well look for a different provider Reviewed on: 26th February 2025

ANY QUERIES HAVE BEEN SOLVED PROMPTLY

ANY QUERIES HAVE BEEN SOLVED PROMPTLY Reviewed on: 26th February 2025

Pays more interest than my other bank account.

Pays more interest than my other bank account. App on phone is very easy to use. Lots of support and added feature. Reviewed on: 26th February 2025

Spot on.

Easy to manage, good rates, no fuss. Reviewed on: 26th February 2025

**Review for Virgin account Not the first time

**Review for Virgin M+ Account Customer Service Experience** Ah, Virgin, where holding music becomes your new favourite playlist, and your account seems as exciting to them as a forgotten sock under the bed. My recent escapade with Virgin’s M+ account customer service felt like starring in my own tragicomedy – minus the comedy. Let’s start with the wait time. By the time someone answered, I felt like I’d grown a beard, learned to play the ukulele, and made peace with my own mortality. Seriously, if patience is a virtue, Virgin should hand out sainthood certificates to anyone who survives their phone queue. When I finally got through, the chaos began. Imagine a circus, but instead of clowns juggling balls, they’re juggling my account details – and dropping them. Confusion doesn’t even cover it. One department sent me to another, and by the end, I wasn’t sure if I was dealing with customer service or an elaborate game of "pass the parcel." What really took the cake (or maybe just took my will to live) was their sheer lack of interest in my account. I mean, I get it, it’s not the Crown Jewels, but could someone at least pretend to care? Instead, I got all the enthusiasm of a teenager asked to do chores. And the empathy? Non-existent. I could have been telling them my house was on fire, and they’d probably have replied with, "Let me transfer you to the fire department… please hold." In short, dealing with Virgin’s M+ account service was like trying to have a deep conversation with a brick wall – slow, frustrating, and utterly pointless. Virgin, if you’re reading this, maybe try pretending your customers matter? Or at least give us frequent flyer miles for all the time we spend on hold. I finally found somewhere to post this this hash happened several times **Rating: 1/5 stars (and that’s generous)** Reviewed on: 5th December 2024

I’m a contractor and came over from Mettle.

I’m a contractor and came over from Mettle. This account is far too basic for running my business. I’ve gone back to Mettle as with them I can categorise my transactions and ad photos of receipts which I can do none of with this Virgin business account. If you’re using it as a personal account to save then fair enough but I was led to believe this was a creditable alternative option for my business banking. Mettle is streets ahead in this regard. Reviewed on: 8th November 2024

The banking app never works.

The banking app never works. It's not working properly almost every time I use it Reviewed on: 14th September 2024

Great Premium Account for Insurance for travel, gadgets

Great Premium Account for Insurance for travel, gadgets and car travel. This meets my needs to cover myself and immediate family. For the monthly fee you obtain more value if you require those elements (it is much better price than getting it individually). I fortunately only had to activate the car travel one and it works as described. Reviewed on: 24th August 2024

Switching deal swindle

Wanted the 12% interest rate on £1000, for switching an old account to them. Opened the new account in May 2024. Switch deadline was 26 June. I switched on 21 June. BUT, the delay with them then meant the switch would not happen until 1 August. They now say I do not qualify for the interest rate and only get 1%! I have no control over their internal delays. Previous switches with other banks only said you had to initiate a switch by the deadline. I've put in a written complaint so we'll see what happens. But this is sneaky. Reviewed on: 6th August 2024

Very happy with VM.

Very happy with VM. Easy to use app and help available should I need it. Reviewed on: 24th May 2024

Do you have a different Virgin Money product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Current Account
from Punjab National Bank 1.00 from 1 reviews
Cash Account
from Bank of Scotland 4.13 from 52 reviews
Graduate Account
from NatWest 4.37 from 61 reviews

There's still more to see!

Virgin Money has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub