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Virgin Money: Essential Current Account reviews

Name: Essential Current Account
Rating: 3.05 (143 reviews)

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3.04

Based on 143 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

37%

13%

38%

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 (143)

Review of the Virgin Money, Essential Current Account:

Good, just needs app refining

Good incentive, easy banking. Only recommendation would be to make the app more intuitive, it's not so easy to perform simple things like make a payment transfer. Reviewed on: 11th March 2021

Avoid at all costs

Ignorant customer service, rude and arrogant! dissatisfied or disgruntled employees!. Avoid at all costs. I'm still waiting on my application being approved Been waiting for nearly 4 months now, I’ve contacted Virgin money so many times This is getting ridiculous. This is what you call a Staff sabotage prevents business growth Reviewed on: 21st January 2023

Liked Yorkshire bank but not virgin

Previously banked with Yorkshire bank, if I missed a payment, I paid no fees, when Virgin took over they added fees Reviewed on: 13th January 2023

Virgin money joke cant get through on phone however much i try account frozen

Saw good rates opened 2 x current accounts 2 x linked savers and a cash isa. Day one UNABL to get through on phone that continues to today used the phone app made a payment blocked and account account frozen along with mobile app under maintenance now trying to get all monies out and close accounts. Got through twice today 30 mins hold then cut off on both occasions given direct no to fraud dept and guess what on hold transferred then cut off great customer services. Reviewed on: 26th November 2022

Do not use this bank.

At least once a year Virgin Money will lock your account without notification. You'll then spend the best part of a few hours calling them. Avoid this dire service and use a different bank, like Starling. Reviewed on: 25th November 2022

Nasty bank

The staff seem to hate humans and will do everything to be discourteous Reviewed on: 19th November 2022

Bank treated me with contempt

Terrible bank, staff are highly inexperienced and feel entitled to treat customer accounts with contempt. App is dangerous, constantly blocks payments. Virgin stores are few. If your account gets blocked, forget you ever had any money at Virgin Reviewed on: 19th November 2022

Appalling Service

Completed a form for a chargeback as bought an item online and didn’t receive. Got an email from a customer rep acknowledging received my form asked for additional information waited 7 weeks and not heard a think no replies no update no money. Not good thinking changing banks Reviewed on: 15th November 2022

Cannot get my own money

Dreadful Bank. The app blocked my payment. I called customer service and got through after 7 hours. They asked me to take ID to a branch 240 miles away. I couldn’t do it for 3 weeks. Then when I did get there, they froze my account completely. Now I have zero access. Does this bank hate humans? Reviewed on: 11th November 2022

Farce

Rang up was on hold for over 1 hour when they eventually answered they put the phone down on me Reviewed on: 9th November 2022

Very bad bank

Virgin staff were extremely rude to me in the local branch. Phone lines for customer service are no better and answered after hours if not cut off. The app routinely blocks payments and then you have to go to branch or call. It takes weeks to resolve. Reviewed on: 9th November 2022

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