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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (798 reviews)

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3.79

Based on 798 reviews, last reviewed 13th Jun 2025

50% increase 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.

Do you have a Virgin Money credit card? If you do then you can help other customers make good financial decisions by leaving a Smart Money People review.

Virgin Money Credit Cards reviews (798)

Review of the Virgin Money, Credit Cards:

Default notice by mistake!

I have 2 credit cards, one with Capital which I’ve had no issues with and the second with Virgin. When I initially got my card I made a purchase of £700 on an office desktop which froze my account so I rang Virgin and they resolved the issue an hour later being able to make the purchase, which was the first issue nothing major and easily sorted by their team. A month goes by and my app and online account is blocked which initially disrupted my payments I was told a couple of months later I could use a sort code and account number with a reference to pay via my bank direct, they also told me they blocked my account because I needed to send them identification 3 months after using my card which I found rather unusual, assuming this is something they should have done when applying not after using it 3 months later. To top it off my app and online account is still blocked having been told various times through the year it was a mistake and is now resolved safe to say it isn’t a year later. I’ve now received 3 letters, 2 dated the 10th of March and 1 the 12th of march. One tells me I am late on 2 payments, yet my most recent statement tells me I have no fees and I only owe for the following month coming and then the third letter tells me my accounts gone to default and I owe the full amount on my account. After all this I’ve rang and an hour in the team at Virgin said it’s a mistake and admitted fault and they are now in the process of trying to reverse the default notice which will impact my credit file for the next 6 years. I’ve been told I’ll be called back again twice now but with my original issue still standing a year later I’m not looking forward to the final outcome. Reviewed on: 18th March 2024

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

THEY CANCELLED THEIR ONLINE ACCESS TO CARD ACCOUNTS-...

THEY CANCELLED THEIR ONLINE ACCESS TO CARD ACCOUNTS- WHICH MAKES ME LOSE OUT ON ONLINE SERVICES---THERE SHALLL BE SOME COURTESY FOR OLDER FOLKS WHO CANT ADAPT EVERY 2 YRS TO NEW TECH SETTINGS Reviewed on: 12th June 2025

Thier credit card service is awsome.

Thier credit card service is awsome. Great offers over long periods of time Reviewed on: 12th June 2025

Reward points easily managed on app

Reward points easily managed on app Reviewed on: 12th June 2025

The staff are absolutely fantastic they are helpful,...

The staff are absolutely fantastic they are helpful,will come and ask if you are okay and can they help in anyway. Reviewed on: 17th April 2025

Good banking app and competitive fees

Really good banking app and easy to understand fees and various features. Also really good balance transfer rates which helped to pay off my debt. Reviewed on: 5th April 2025

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 change one currency to another! It's not like they are paying someone a wage to do it. It's a computer to another computer. My nab debit card is international fee free so it really makes you wonder how a company like virgin can rip people off and yet nab bank can absorb the fee. Both cards are no annual fee so I don't understand. But I will be closing the account and I will NEVER recommend them to anyone. Stay away from them. Reviewed on: 11th March 2025

Love the balance transfer card

I got the balance transfer credit card and it's been a lifesaver, very generous with their 0% transfer offers Reviewed on: 6th March 2025

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