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Virgin Money: Essential Current Account reviews

Name: Essential Current Account
Rating: 3.04 (141 reviews)

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3.00

Based on 141 reviews, last reviewed 2nd Apr 2025

300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

39%

11%

38%

Latest highest rating:

5

Very helpful staff who know there jobs Any time I go into the bank in inverurie Aberdeenshire they are polite and very helpful all ways asking how they can help you, they also keep the bank... Read more Reviewed on: 2nd April 2025

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 (141)

Review of the Virgin Money, Essential Current Account:

Incredibly poor application process and customer service

DO NOT WASTE YOUR TIME! Really disappointed with the customer service my fiancee and I received in trying to apply for a joint M plus savings account. We applied online, had issues with the application not registering postcodes and also not processing my fiancee's application alongside my own but rather creating a completely new seperate application although it was activated through the joint link that was sent to us via email. Then over a month on from this not being registered we had several phonecalls to Virgin Money, being held on hold for hours only to finally have the application completed for my fiancee over the phone. There was then radio silence for another 3-4 weeks only to call up again today and be told by one assistant that there is a problem with the application that the sales team will fix on our behalf. Then to wait on hold for another hour to be told that the there is nothing the team can do and that we have to reapply again from scratch. Zero communication to us throughout the time when there was issues with the account, staff tried to push the application along but only when we put pressure on through calls to only be put back to square one and not have an account set up by the end of this process. The final customer service rep, offered no support in investigating what the cause of the issue was or how long we had been struggling with this process. Incredibly poor customer service, not helpful in trying to get us to apply. Reviewed on: 18th May 2022

Appalling

Hidden costs terrible customer service quick to take money but poor to credit it back, avoid avoid avoid Reviewed on: 5th April 2023

Long way to go

While the Virgin Money Essential Current Account itself is decent, the accompanying mobile app leaves a lot to be desired. The app's lack of features and poor design make it frustrating to use, and it is in need of a major overhaul. If you value a good mobile app for your banking needs, this account may not be the best option for you. Reviewed on: 3rd April 2023

Odds on being ariound in 5 years

What a horrible organisation to deal with. Call centre sends you to website which sends you back to call centre which tells you that you have the wrong department but promise they won't cut you off this time when they put you on hold. (They do). No one takes ownership at all. Keep your money under the mattress instead! The Clydesdale was not always great to deal with but were much better than this shower! Reviewed on: 28th March 2023

Useless app

Customer service is quite good and interest rates are quite high but the app is useless as there's no features at all except to make a transfer. Reviewed on: 19th March 2023

Good & Bad!

Great rates on their accounts and products but the functionality of both the App & Online Banking falls behind competitors sadly. One too many glitches and not as streamlined. Reviewed on: 18th March 2023

terrible

the poorest customer service i have ever experienced. Reviewed on: 16th March 2023

Simple but good

Pretty open and easy to sign up. Easy to use, easy to navigate within the app to find statements, etc. Reviewed on: 14th March 2023

EXCELLENT CUSTOMER SERVICE

Staff very knowledgeable. Great access to information Reviewed on: 11th March 2023

Great

The app is useful but it could be better its not as advanced as Barclay's when it comes to functions. Reviewed on: 10th March 2023

Unpleasant

I think virgin money treats customers who have to use their basic account badly both in branch and online Reviewed on: 10th March 2023

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