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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.81 (807 reviews)

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3.81

Based on 807 reviews, last reviewed 18th May 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

63%

11%

20%

Latest highest rating:

5

Lower interest rates and good customer service Lower interest rates and good customer service Reviewed on: 18th May 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 (807)

THE TRUTH

The Truth about this Bank As a huge fan of Virgin i opened an account and savings account. i have been a customer for over 2 years. no problems at all until now. I got an offer from credit cards to do a money transfer and i did so sending my available money to my current account. Then i find out they have blocked my account and i have NO ACCESS TO MY MONEY, its been 24 hours and they have not given me any information and how long it will take. apparently they are doing a review. They also dont tell you how long this will last , SO BEWARE, THIS BANK WILL FREEZE YOUR ACCOUNT IF YOU TRANSFER CREDIT CARD MONEY TRANSFERS INTO IT. POOR CUSTOMER relations from the Branch Upwards. I have now launched a complaint and will see it through to the Banking Ombudsman once I have waited for the required period of two weeks. I will also be looking for an alternative bank once my saga is over. what dont they do :- 1-TCF - treating customers fairly - does not exist 2- Customer - The simply dont care - no matter how much you want to help them do the review. 3- Loyalty- None to you no matter how long you have been a customer Virgin Brand you have today LOST a customer not only for Banking but also any other service you provide, i will never return to use your services ever again - YOUR TREATMENT OF CUSTOMERS IS SIMPLY NOT GOOD ENOUGH. Reviewed on: 22nd October 2019

Poor customer service (or should it be NO customer service)

So I received my replacement credit card and went to log on to my account to activate it. Couldn't log on and was given a number to ring. Rang number and eventually was told my online account had been deactivated as I hadn't accessed it for a while. I was told I would have to re-register for online account. Following this call I coincidentally received yet an other email from Virgin offering 0% money transfers and decided to unsubscribe from emails - but, no unsubscribe link! Instead, the customer has to ring them. So I rang, followed to process and eventually got to speak with someone. Was told I would be asked security questions. Numerous questions later was told I'd failed (despite actually knowing my mother's maiden name, where I was born etc.). I was told I would have to ring back - did so, failed again (how useless am I?) but I insisted on speaking with a supervisor. Was told someone from the fraud team would ring within the next 4 hours - no call. Rang the next morning and 20? minutes later my call was answered but I was told someone would ring me back as I'd been waiting a long time. Bemused by this I quickly explained my situation and that I was waiting for a call from the fraud team. I was assured they would ring me shortly and I provided my mobile number so I wouldn't miss the call. Guess what? Yip - still no call some 11 hours later. Old and new card have now been cut in two and Virgin and I will go our separate ways. Reviewed on: 10th October 2019

Smooth process

I found the application process easy to navigate and I was provided with information about my application at all times. I find the app helpful and easy to use. My card and documentation arrived quickly and activating was easy. Reviewed on: 9th June 2019

AVOID!!! Account under review

Absolutely fuming with Virgin Money. I received my new card yesterday, took out some cash and now my account has been blocked. Customer services will not advise any information due to this review and have been told there is no timeline for the review but I obviously cannot use the card, I can’t view account and they will not discuss my account. I couldn’t even cancel and pay off my card. Am just told I will be contacted by mail.!.! AVOID at all costs!!!!!!! Reviewed on: 5th June 2019

Balance Transfer

Virgin offer great balance transfer offers regularly. Website is a little difficult to navigate at times but over all a good service from Virgin. Reviewed on: 10th May 2019

fast decision and great 0% on purchase period

0% interest on purchases and a useable credit limit is hard to beat, I would recommend to anyone who wants an easy way to get on top of their finances. Plan ahead to ensure you can pay off the balance before the end of the 0% period. Reviewed on: 9th May 2019

just outstanding

very satisfied with a great service team Reviewed on: 29th April 2019

Good benefits bad interest

Very high interest but great benefits and flying club memberships. Customer service is good Reviewed on: 23rd April 2019

Easy online platform

I received and excellent incentive, a nicely designed card and easy to use app to manage my account. Reviewed on: 17th April 2019

Disappointed

They sent me a reminder email to pay my credit card after they had charged me £8.00 for late payment Reviewed on: 15th April 2019

Reply from Virgin Money Hi Andrew, if you'd like us to look into this further please email your details over to [email protected] and I'd be happy to. Thanks, Lindsay Response date: 16th April 2019

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