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Virgin Money: Essential Current Account reviews

Name: Essential Current Account
Rating: 3.06 (142 reviews)

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3.05

Based on 142 reviews, last reviewed 28th Jan 2026

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

38%

13%

37%

Latest highest rating:

4

Branch has a car park, and parking is normally possi... Branch has a car park, and parking is normally possible. Internal cash machines usually operational and available. Queue at tellers desk normally arou... Read more Reviewed on: 28th January 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.

Virgin Money 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 Essential Current Account reviews (142)

Review of the Virgin Money, Essential Current Account:

INTERNET ACCOUNT THAT CANNOT BE OPERATED ON INTERNET

My M Plus account has been blocked for the last three days. Have rung them five times no help by rude, unprofessional uneducated staff who does not have a clue about what they are talking about and have been lied to, at times during the conversation have held the phone for over 40 minutes, can't get any money out to buy food wish to close the account but not able to as the account has been blocked You ring and speak to staff who cannot do anything as the account has been blocked. wish I had never heard of Virgin Money Please Please stay well away from this bank as it is really not a bank - opened an internet bank account - cannot operate the account via internet Had enough - will have to go to a branch to close the accounts hoping that there are no further problems created by Virgin my request to all is to close their accounts by transferring to other high street banks Reviewed on: 27th October 2021

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

A good experience

Simple bank account with savings account. Works as expected. No problems when using the app or online banking and never issues sending payments. Would recommended. Reviewed on: 1st June 2023

Great company

Easy to use app, kept upto date with everything Reviewed on: 11th April 2023

One Year Anniversary

I have had this account for just over one year now. I have had absolutely no problems at all. Any queries I have had have been dealt with very quickly. Reviewed on: 11th April 2023

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