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Virgin Money: Essential Current Account reviews

Name: Essential Current Account
Rating: 3.16 (145 reviews)

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3.16

Based on 145 reviews, last reviewed 16th Apr 2026

300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

39%

12%

37%

Latest highest rating:

5

Virgin Money 'M' current & saver accounts Needed a current account with no overdraft facility, due to tight budgets on a low income. Virgin Money were more than happy to oblige with their 'M' ... Read more Reviewed on: 16th April 2026

Latest lowest rating:

1

Completely useless, l have been on the phone for ove... Completely useless, l have been on the phone for over two hours no response Reviewed on: 4th June 2024

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About this product

The Virgin Money Essential Current Account is no longer available to new customers.

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Virgin Money Essential Current Account reviews (145)

VIRGINASTIC

Great offers and promotional interbrand deals. Reviewed on: 14th December 2018

Nice and easy

Love this bank. Everything is so easy Reviewed on: 14th December 2018

Works for me

I've used these for years and have always had good service. They realised before I did that my card had been hacked. I got all money taken back with days and extra security. My only criticism is they do more internet banking. Reviewed on: 9th December 2018

Essential Current Account

I have been with Virgin Money for over three years and from opening the account to the present day I have received excellent service. I can not fault them! Reviewed on: 7th December 2018

friendly staff

always helpful and will recommend products Reviewed on: 8th November 2018

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 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. Reviewed on: 5th November 2018

Reply from Virgin Money Good to hear from you Will. I'm pleased to hear you're happy with the account. There's no app available at the moment but I'll certainly pass your feedback on to the team. You know where I am if you need anything. Thanks, Holly Response date: 6th November 2018

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 account. The CEO of virgin money really needs to review and update his products. Reviewed on: 28th March 2018

Reply from Virgin Money Hi Phil, thanks for your feedback! I'll be sure to pass that on to the relevant teams for you, just let me know if there's anything else I can help with. Thanks, Jane Response date: 28th March 2018

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 go in branch to do.would not recommend Reviewed on: 8th February 2018

Reply from Virgin Money Hi Sarah, thanks for your feedback. We’ll let you know right away if there’s any updates to the account. In the meantime if you have any questions just shout up. Thanks, Lindsay Response date: 10th February 2018

excellent

been with them for some time and never had any problems 100% professional Reviewed on: 8th February 2018

Reply from Virgin Money Hi, that’s great to hear Clare. Thanks for sharing that with us! Lindsay Response date: 10th February 2018

Virgin Banking

Great bank with clear, easy to use banking online. Style of wording and set out of all publications are useful but not dull and make you feel positive and happy. Reviewed on: 26th January 2018

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