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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)

Swift and efficient

I recently had to cancel a debit card due to a malfunction at a cash-point machine. The staff in the bank were extremely helpful especially as I was in a bit of a panic thinking some one was trying to clone my card. Reviewed on: 24th May 2024

Interest from a current account.

Interest from a current account. What's not to like? Easy to access and use app. Easy access savings account too. Reviewed on: 11th April 2024

Terrible customer service!

Terrible customer service! I do not recommend you to use this bank, I have been stuck with the money for a month and a half Reviewed on: 8th March 2024

Very good experience with Virgin Money Bank .

Very good experience with Virgin Money Bank . Reviewed on: 10th February 2024

WORST BANK!!!

Absolutely terrible bank I banked with Clydesdale bank for 12 years and recently virgin money shut my account down with no explanation with all my money in and still 2 weeks later still won’t deal with my complaint AVOID AT ALL COSTS TERRIBLE Reviewed on: 6th February 2024

DO NOT USE

They would not give me acess to my funds for almost a week. Reviewed on: 21st November 2023

Becareful with Virgin Money

I recently began banking with Virgin Money and deposited $20,000 into a savings account while also opening a transaction account, all within the past month. However, when I attempted to transfer funds to a third-party account, I encountered an issue with the app that prompted me to call Virgin Money. After enduring a 32-minute wait on the phone, I spoke with a representative from an overseas call center who was rather impolite. She informed me that she couldn't assist me at that moment and requested that I call back in 30 minutes. Frustrated, I made another attempt several hours later, but I encountered the same problem and had to endure a 28-minute wait before someone answered my call. Throughout my experience, I've consistently faced difficulties when trying to make payments to individuals or pay bills, as the app repeatedly instructed me to call Virgin Money. Today, my account was unexpectedly blocked, and I was instructed to call Virgin Money again. This time, I endured a lengthy 59-minute wait before finally speaking to an operator named Sarah. To my dismay, she couldn't provide a clear explanation for why my account had been blocked and mentioned that the request had come from head office. I lodged a complaint with her, and in response, she sent me a list of requirements that would take three days to process. This situation has left me in a predicament as my funds are now inaccessible, preventing me from making transfers or payments to anyone. For your own peace of mind, I strongly advise against using Virgin Money. While I have an affinity for the Virgin brand, my experience with their banking services has been nothing short of frustrating. As a result, I am currently in the process of closing my account and transitioning to a different bank. Reviewed on: 2nd October 2023

Current account

Good to get some cash-back on direct debits Reviewed on: 13th September 2023

No longer competitive

The current account was competitive when I first opened it and competed with other easy access savings. At 2% it is still reasonably competitive for a current account but does not compete with savings accounts and the linked products are outshone elsewhere as well. Reviewed on: 30th July 2023

Good communication

Easy to use and convenient use app a lot Reviewed on: 2nd June 2023

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