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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.84 (805 reviews)

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3.84

Based on 805 reviews, last reviewed 17th Apr 2026

400% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

63%

11%

20%

Latest highest rating:

5

Exceptional service and no fuzz outlook Exceptional service and no fuzz outlook Reviewed on: 17th April 2026

Latest lowest rating:

1

Ignore formal complaints and SAR I raised a formal complaint and despite replying several times and requesting a SAR they have ignored me. Astonishing isn't it. What is crazy is that ... Read more Reviewed on: 16th April 2026

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About this product

Virgin Money offers a range of credit cards with various features to suit different needs.

Options include cards with 0% interest on balance transfers and purchases for an introductory period, cashback, and no foreign transaction fees. The cards can be managed through the Virgin Money Credit Card app.

Virgin Money credit card reviews help you find out what it’s really like to be a customer. If you’ve used Virgin Money before, you can also leave a review and share your experience.

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Virgin Money Credit cards reviews (805)

Exceptional service and no fuzz outlook

Exceptional service and no fuzz outlook Reviewed on: 17th April 2026

Ignore formal complaints and SAR

I raised a formal complaint and despite replying several times and requesting a SAR they have ignored me. Astonishing isn't it. What is crazy is that I sent two emails ,one regarding the complaint and one about another matter and they replied to the other one but blatantly ignored the complaint despite the strict regulations in places governing credit card providers. On that basis I don't have much good to say. A SAR is a legal requirement, not something you can pick or choose whether to answer. Reviewed on: 16th April 2026

The thing that sets Virgin Money apart is the experi...

The thing that sets Virgin Money apart is the experience from the minute you apply until you register the app. It’s smart, modern, and crystal clear. It’s not your normal bank that uses big confusing words - you know what’s happening now and next. Their app is amazing and very easy to use, and their live chat staff are very friendly and also upbeat. Reviewed on: 13th April 2026

Very disappointing experience with Virgin Money.

Very disappointing experience with Virgin Money. I applied for this credit card specifically because of the advertised 30 months 0% balance transfer offer. That was the only reason I chose this product. Based on those terms, I transferred a balance from another card. After just two months, I received an email informing me that interest would now be charged at the standard rate. This completely contradicts the expectation set by the 30-month promotional offer. It honestly feels like a bait-and-switch. You advertise a long 0% period to attract customers, then shortly afterwards start charging interest. Customers make financial decisions based on the promotional terms — this is not a small detail. This situation has caused unnecessary stress and financial uncertainty. I would strongly advise others to carefully review all terms and monitor their accounts closely. Trust is essential when dealing with financial institutions — and unfortunately, this experience has seriously damaged that trust. I am now considering submitting a formal complaint and escalating the matter to the Financial Ombudsman Service. Reviewed on: 12th February 2026

Easy to use app.

Easy to use app. But shame about delays on updates. Reviewed on: 22nd January 2026

Good product, good customer service

Good product, good customer service Reviewed on: 22nd January 2026

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 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. Reviewed on: 21st August 2025

Would 100% recommend

Great experience and easy to use the app, when I’ve had to contact them it’s always been easy Reviewed on: 13th June 2025

Excellent card service on lost account

I found out about a dormant account that was discontinued more than 10 years ago. It had a balance due to me on the card. I had no card details available other than whatvwas avail le on my credit report. I made a written request, and a agent called me. After a few security questions, he promised to transfer the amount into my current account. Thie money was deposited on the same day. Well done Reviewed on: 12th June 2025

The app is great but can be improved

The app is great although would be better if it included months of transactions and could catagorise your spending Reviewed on: 12th June 2025

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