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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.59 (819 reviews)

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3.59

Based on 819 reviews, last reviewed 4th Sep 2026

50% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

64%

11%

20%

Latest highest rating:

5

Quick balance transfer card Needed a quick balance transfer card for short term purchase with lowest fee and 3 year 0% - Virgin had the best deal on offer and the process of borr... Read more Reviewed on: 14th August 2026

Latest lowest rating:

2

Use MBNA instead - they are fairer Charged me £15 for a payment made slightly late, and doesn't do anything better than MBNA and others. Reviewed on: 4th September 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 (819)

Use MBNA instead - they are fairer

Charged me £15 for a payment made slightly late, and doesn't do anything better than MBNA and others. Reviewed on: 4th September 2026

My experience with Virgin Money's fraud investigatio...

My experience with Virgin Money's fraud investigation process was extremely disappointing. My wallet was stolen in the UK and, approximately 30 minutes later, two transactions totalling £1,774.96 were processed by a merchant in North Macedonia. Despite reporting the theft immediately, reporting the transactions while they were still pending, and three further attempts from the same merchant being blocked, Virgin Money rejected my fraud claim because their records showed "Chip and PIN" authentication. What concerns me most is that American Express and NatWest, whose cards were stolen in the same incident, independently identified the activity as fraud and blocked or cancelled the transactions. Virgin Money was the only institution to reach a different conclusion. Virgin Money's fraud investigation process appears to be designed to place responsibility on the customer regardless of the evidence provided and, in my case, was clearly inconsistent with the conclusions reached by established financial institutions such as NatWest and American Express. Even in their final response, Virgin Money acknowledged that the transactions could not have physically taken place in North Macedonia, yet still refused the claim. Based on my experience, I have serious concerns about the fairness, objectivity, and customer focus of Virgin Money's fraud claims process. I would encourage customers to carefully consider how fraud claims may be handled if they ever become victims of theft or card fraud. Reviewed on: 24th August 2026

Beware: Fraud Victims May Be Left Liable

Quick balance transfer card

Needed a quick balance transfer card for short term purchase with lowest fee and 3 year 0% - Virgin had the best deal on offer and the process of borrowing £4000 via balance transfer was easy using my Virgin phone app. Reviewed on: 14th August 2026

Unprofessional behaviour by senior investigators

Till two weeks ago they were great, they blocked me from the app so couldn’t view statements, staff rather blame the customer than investigate why this happened. My credit card is settle by DD but they changed the amount , again not bothering to investigate leave it to the customer to investigate. They then say sorry you’re unhappy with our services. Just done their job for them but they still haven’t resolved the issue and adjust the payment to correct the error . Even there CEO has left it’s no wonder the staff behave as they do Reviewed on: 18th July 2026

brilliant, good interest rates, friendly staff

brilliant, good interest rates, friendly staff Reviewed on: 14th July 2026

Good rates on foreign credit card purchases

Good rates on foreign credit card purchases plus points of value. Whats app easy to manage and use. Reviewed on: 15th June 2026

Fraudulently charged fees to correct their mistake

Virgin money took a direct debit from my account despite the balance being £0 and the direct debit being cancelled. When I went on their app I requested that this was refunded. They then proceeded to reverse the direct debit and send me a cash transfer charging me £25 for a transfer that I didn’t request. I complained to them 2 weeks ago and returned the money immediately to pay off their fraudulent cash transfer. I have had no response. They have since charged me £0.49 in interest on a fee that was only incurred through their error. Reviewed on: 13th June 2026

They are such a fair company.

They are such a fair company. Repayment rates are low and offers on transfers and advances are frequent and fair, lasting a long time at 0%. I only hope their fantastic service continues under new ownership. Reviewed on: 13th June 2026

Excellent service provider.

Regularly bring out innovative stuff. Communications always relevant and prompt. Reviewed on: 12th June 2026

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