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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.96 (801 reviews)

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3.85

Based on 800 reviews, last reviewed 22nd Jan 2026

100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

63%

11%

20%

Latest highest rating:

5

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

Latest lowest rating:

1

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 notificatio... Read more Reviewed on: 21st August 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.

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.

Virgin Money Credit cards reviews (801)

Review of the Virgin Money, Credit cards:

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

Got a great interest free deal and great customer se...

Got a great interest free deal and great customer service to help resolve when there were problems Reviewed on: 11th March 2024

Treated like criminal - I was victim of £18k fraud

My credit card has £18k of fraud. I only found this out when I checked my credit report. I called them and they refuse to talk to me unless I post them in ID documents. They also locked my logins. I begrudgingly posted them anow they demand I post them proof of my old address which is near impossible for me to obtain. I work in compliance, and this is gravely irresponsible on their behalf. The request is also more than overreach of what they need. They can easily access all this electronically. I cannot begin to describe the stress this has caused me. Please think long and hard before using this organisation. They are not on your side and treat you like a criminal when you are the victim of fraud. Reviewed on: 11th March 2024

Points make prizes!

Took out a virgin Atlantic points credit card and the introductory offer was amazing. Whilst there is an annual fee to pay, this is more than offset by the upgrade / companion voucher that we received after 3 months! The airlines continue to accumulate and we can look forward to entry of travel in the future! Reviewed on: 4th March 2024

oh my dear what a real pain in the backside this com...

oh my dear what a real pain in the backside this comapny is to deal with any problems. always a glitch or a computer error, wrong department, i dont understand you, im not autorised to deal with this , i cant help you, log into the app (the reason im calling is i cannot do so) i have never heard so many excuses or poor operatives for a supposedly good company. once this is all sorted never again. Reviewed on: 18th January 2024

Absolutely useless company

I recently had an incredibly disappointing experience with Virgin Money's customer service, and I feel compelled to share my frustration to warn others. The lack of professionalism and disregard for customer concerns displayed by this company is truly disheartening. My initial contact with them was through a phone call to address an unauthorized charge that appeared on my account. The representative I spoke to demonstrated a complete lack of empathy and failed to provide any satisfactory resolution. I was appalled by their dismissive attitude towards my complaint and their inability to comprehend the severity of the situation. Feeling left with no other recourse, I mentioned my intention to file an official complaint with the Financial Conduct Authority (FCA). Yet their actions were slow and lacked any urgency, further exacerbating my frustration. To provide undeniable evidence of the poor customer service experience, I shared a recording of the phone conversation as requested by the company. I had hoped that this evidence would prompt a swift resolution, but it seemed to fall on deaf ears. The lack of transparency and accountability displayed by VM is utterly unacceptable. As a customer, I expect to be treated with respect, and I demand prompt action when faced with unauthorized charges. Regrettably, they have failed to meet these basic expectations. I urge potential customers to think twice before engaging with Virgin Money. Their customer service is abysmal, and their apparent indifference to resolving issues leaves much to be desired. Save yourself the frustration and seek out a company that values its customers and takes their concerns seriously. It is my hope that this review serves as a cautionary tale for others and encourages Virgin Money to reevaluate its approach to customer service. No one should have to endure the disappointment and inconvenience that I have experienced. Please take my warning seriously and consider alternative options for your own peace of mind. Reviewed on: 1st December 2023

Clamming extra charges

I got really bad experience they changed me last 3 month over£181.76 and my outstanding balance even zero and they keep cutting direct debit without knowing Reviewed on: 23rd November 2023

If you want to keep your money dont use this company

Absolute armpit of a company! Cant use my card as they suspect fraud but I cleared everything up and want id after 3 years being a customer. Cant spend anything! Avoid this company at all costs!!!!! Reviewed on: 27th October 2023

Dissapointing Start

I set up a credit card account with a small balance transfer at the beginning of October 2023, I received an email confirmation within hours stating that the account and the transfer had been approved then nothing, about a week or so later the card arrived. Now near the middle of October and the balance transfer still hasn't started and I have no details on how to log into the account. The website refers me to the app to log in and the app states that I can't log in. Rubbish service with very little information about the process. Reviewed on: 13th October 2023

Absolutely terrible customer experience

Took over a month, several phone calls, and dozens of emails for them to finally approve a balance transfer. If the end result was my getting approval, why was I required to follow up continuously? All departments are disconnected. No one responds to emails, messages through the portal, and the "Customer Care" team have no idea what they're doing. Reviewed on: 6th October 2023

Never Use the Useless Thing

They gave me a £5,200 and I was thrilled. Initially tried to buy a laptop with it and was denied. Constantly. Consistently. Aggravatingly... every time. I made multiple calls and was told it was working now... no, it wasn't. I stopped trying to use it. Recently, I received an e-mail offering 0% on balance transfers for a year with a 4% fee. Fine, I'll transfer the balance for the laptop back to this card, right? No, I went through the tedious process several time, changing my password when it told me THAT was now wrong. Putting in the same info time and time again. That was last week, tried again just now. It started by telling me the password was wrong again. Get this card for a high credit limit... that you can NEVER bloody use. Completely useless. Reviewed on: 5th October 2023

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