Our Smart Money People 360° Rating
Your Essential Current Account Reviews (31)
Does what it says on the tin. Sadly no smartphone app, yet!
In the 15 months since opening the account the account has performed fine & on the occasion I've been in to the Bolton branch the staff have been super. Called customer services 3 times & they were superb, sorted out my very slight issues, one of them...
Read more In the 15 months since opening the account the account has performed fine & on the occasion I've been in to the Bolton branch the staff have been super. Called customer services 3 times & they were superb, sorted out my very slight issues, one of them was down to me being a complete t1t.
VM change their card supplier from Visa to MasterCard & the new card was a contactless card, of which I didn't want. So I called CS asked if that feature could be disabled. I was advised that at the time it could not but the adviser did tell me that a lot of people were asking the same. He put my name down to be advised of when the ability to switch off the contactless feature was available. A few months later and I was notified & it was disabled.
Usability very poor
I cannot believe what this account has to offer. Can only be taken out in store only. If you want to amend or set up a direct debit or standing order, you have to go in store. Every bank I know you can do almost everything online other than this...
Read moreI cannot believe what this account has to offer. Can only be taken out in store only. If you want to amend or set up a direct debit or standing order, you have to go in store. Every bank I know you can do almost everything online other than this account. The CEO of virgin money really needs to review and update his products.
Very basic banking
Very basic banking account,online mamangement terrible, can view account but that’s it. Cannot transfer,look at direct debits etc. Some of these things such as transferring money to another person or company you cannot even do on the phone,you have to ...
Read moreVery basic banking account,online mamangement terrible, can view account but that’s it. Cannot transfer,look at direct debits etc. Some of these things such as transferring money to another person or company you cannot even do on the phone,you have to go in branch to do.would not recommend
excellent
been with them for some time and never had any problems 100% professional
Fantastic, personable service
I've been with virgin for over two years and they constantly amazed me with how they go out of their way to help. Whether it's following up on issues, helping to arrange things, or simply saying "leave it with me, I'll sort that for you" so I can get...
Read moreI've been with virgin for over two years and they constantly amazed me with how they go out of their way to help. Whether it's following up on issues, helping to arrange things, or simply saying "leave it with me, I'll sort that for you" so I can get on with my day. They are 100% supportive of me and I would (and have) recommend them to everyone and anyone!
Ghastly bank - one of the worst
I inherited this account since I was previously a happy Northern Rock client until they were taken over by Virgin. I tolerated them for a few years hoping they would be taken over or absorbed into another bank. No such luck. After poor service, lack...
Read moreI inherited this account since I was previously a happy Northern Rock client until they were taken over by Virgin. I tolerated them for a few years hoping they would be taken over or absorbed into another bank. No such luck. After poor service, lack of facilities and awareness that customers are important, I gave up and closed the account. Not recommended.
Basic but brilliant
It may be basic but the Virgin Essential Account is number 1 on my personal list of must -haves. As a part- time worker, I really value not having to fret about fees or charges when I might be inadvertently overdrawn or there’s a problem with my d...
Read more It may be basic but the Virgin Essential Account is number 1 on my personal list of must -haves. As a part- time worker, I really value not having to fret about fees or charges when I might be inadvertently overdrawn or there’s a problem with my direct debits. Not like some other banks I could mention!
Plus I get to earn monthly interest on my balances, and it‘s handy to be able to manage my account online, via phone or through visits to the plush Virgin money lounges. I’ve visited the lounges on many occasions for advice and the staff bend over backwards to help you. The coffee is also excellent! More importantly, this account recognises diversity of income in being open to people on Universal Credit. I feel that this product and its benefits are bringing the humanity back into banking at a time when it is being stripped away by other providers.
Welcoming
The staff are easy to talk to. The atmosphere is welcoming. The staff know the meaning of the phrase 'personal banking' and never make you feel that you are wasting their time, no matter what the query is. I'm so glad to have opened my account with...
Read moreThe staff are easy to talk to. The atmosphere is welcoming. The staff know the meaning of the phrase 'personal banking' and never make you feel that you are wasting their time, no matter what the query is. I'm so glad to have opened my account with them. Thank you.
Excellent service
Virgin bank customer are still able to receive a face to face personal service. It is a proper service which treats its customers as valued and important clients. There is always adequate staff to deal with providing a service on a timely and...
Read moreVirgin bank customer are still able to receive a face to face personal service. It is a proper service which treats its customers as valued and important clients. There is always adequate staff to deal with providing a service on a timely and courteous manner.
Fast and helpful
When setting up a new joint account the staff in my local branch were very helpful and efficient. We had our two children with us who were rapidly growing bored. But before we knew it we were finished and the cards and paperwork were in the post by...
Read moreWhen setting up a new joint account the staff in my local branch were very helpful and efficient. We had our two children with us who were rapidly growing bored. But before we knew it we were finished and the cards and paperwork were in the post by the end of the week. Excellent service coupled with beginners like the lounges make Virgin Money my first choice.
Customer is King
I always receive a positive friendly experience every visit.Nothing is too much trouble and done with a smile.Keep up the good work
Pioneering banking
Very friendly, some of the best rates, great lounge facilities.
keeping it simple
helpful people at virgin help me keep my banking life simple
Doing what a bank should do.
When our previous building society decided to stop current accounts we had a check on what was available and choose Virgin Money. We should have changed to them years ago. The help they gave changing accounts was excellent and the support and rewards...
Read moreWhen our previous building society decided to stop current accounts we had a check on what was available and choose Virgin Money. We should have changed to them years ago. The help they gave changing accounts was excellent and the support and rewards are great as well. Use the Virgin Lounge is the icing on the cake.
Honestly Honourable Account
From setting up the account (in the executive yet friendly atmosphere of their branch) to making debit payments without charge abroad, i have never enjoyed a better experience with my bank and account.
Excellent service!!!
I had a very difficult time losing my job and then losing my father. Times were tough, I needed to reorganise my debt and and move out of my home. Virgin Money was the one bank that was there for me, offering a basic account to help me get back on my...
Read more I had a very difficult time losing my job and then losing my father. Times were tough, I needed to reorganise my debt and and move out of my home. Virgin Money was the one bank that was there for me, offering a basic account to help me get back on my feet. The branch staff in Cardiff could not have been more understanding and helpful!
Things are now getting better in my personal life. I will be launching my own business shortly. I am so happy with how things have evolved over the last 12 months and I can honestly say that without the support from Virgin Money, I wouldn't be in the position I am now to move forward and live my life again. Thanks Virgin Money!