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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (798 reviews)

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3.80

Based on 798 reviews, last reviewed 13th Jun 2025

33% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

64%

11%

19%

Latest highest rating:

5

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

Latest lowest rating:

1

Disgusted with fees Purchased a product from an overseas seller and while I understand there are international transaction fees I wasn't expecting $130 for a computer to ... Read more Reviewed on: 11th March 2025

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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.

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Virgin Money Credit Cards reviews (798)

CRAP !!!

I have never dealt with a company this bad in my life and I'm 62 years old. Trying make an extra payment on my credit card on top of my direct debit. OMG. The app works until you try to verify on you're bank account ,then when you click back onto the virgin app the bloody page has disappeared, even got my 14 Yr old granddaughter to try it for me but no , can't get it paid. SO tried to phone them, eventually getting through to make a payment and listened to their 70s music for ONE WHOLE HOUR (did all my housework meantime,,) and just had to give u, I couldn't listen to it any longer, sa.e songs over and over. WELL, did not get an answer in 59 minute's and 15 seconds. ZSo how the f**k am I meant to pay this in. WORST APP EVER Reviewed on: 25th September 2021

Unable to Withdraw my Savings Money

This has got to be the worst bank out there. Had problems with the app so Virgin Money told me just to use internet banking and delete the app., which I complied with. Now a few months down the line I am unable to amend any standing orders (without the app.) and I am also unable to transfer funds out of my current acc. into another of my accounts with Nationwide (again, without the app.). Virgin Money is a complete joke outfit pretending to be a bank and the customer service is the worst I have come across within the banking industry. If it wasn't so serious it would be laughable. Do not trust your savings with this 'bank' and invest your money anywhere but with Virgin Money. Closing my Virgin Money accounts ASAP... Reviewed on: 25th September 2021

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 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

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 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

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

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 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

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

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

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

Good customer service

Excellent App and customer service deal with issues Reviewed on: 14th June 2021

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