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Virgin Money: Essential Current Account reviews

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

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2.99

Based on 141 reviews, last reviewed 2nd Apr 2025

No new 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:

Surely the 5 star reviews here are fake?

I haven't a clue what is in the heads of the people running Virgin Money. If you read the negative reviews you'll see the legitimate reasons why people are frustrated. I have been with this bank for several years (I have no choice) and despite responses by Virgin saying 'thank you for your feedback, we will try and improve' they've done nothing other than add insult to injury. As mentioned by other people here, you can not do much online and have to go into a branch to do transfers. You can call them up but to make a new transfer you have to go to the branch. That isn't helped by them closing their branches!!! I live in London where you'd think this wasn't a problem but instead of being able to go to my branch in east London I now have to go to a branch in tourist central Piccadilly Circus. I was told in a letter that apparently my branch in east London closed because the landlord had put the rent up. Whoever heard of such a thing from a bank???!! Then when I go all the way to Picadilly Circus I find out where the money they saved has been spent on... free coffee and sandwiches and a grand piano!!!! I asked the teller what the hell this was and she said 'to improve customer experience''. You think sandwiches and a grand piano are preferable to me over not having to travel across London or being able to do ANYTHING online??? No double as a response to this review I'm going to get an empty 'Thanks for your feedback xxx, I'll be sure to pass that on to the relevant teams for you. If there's anything else we can help with in the meantime, just get back in touch! Thanks, Jane'.... absolute, empty rubbish. Enough of the lip service Virgin staff and !"£$% do something!!!! This bank wouldn't exist without some sort of support from the rest of the Virgin brand. Reviewed on: 26th March 2019

Reply from Virgin Money Good afternoon, thanks for taking the time out to share your feedback. I’d like to take a look into your experience and share this with relevant department so that they can review and respond to you directly. So that I can do that, can you please email your name, address and contact number across to [email protected]? Thanks, Lindsay. Response date: 26th March 2019

Worst bank

Terrible customer service, thoroughly racist counter staff. Extreme at freezing customer accounts and causing extreme hardship. Avoid. Reviewed on: 26th October 2022

BAD BANK EVER

I have been with virgin money for three years ,suddenly they close my account without giving me a notice or they called me, as my regular wages were coming into the account ,first they close my app than when I called customer line to check quick balance its automated saying the balance is zero. Than again I called than after one and half hour somebody answered but it still saying I don't have any balance but she was rude and cut my call ,again I called but this time after one hour same other rude answered but she told me go in the bank ,I went the the bank they check my details and they printed the mini statement showing its zero, and its good on same day I received my wages I showed them my pay slip and than the rudest manager came and she called someone in their head office and than after nearly waiting there for 2 hours she told me someone will call me from the bank I went home , i waited for five days than i called back to customer service again that time they told me my wages are there but I need to go back to the bank and withdraw. This bank is wast of time and money ,please close your accounts from them and go to other provider. DON'T SEE THE ONE STAR THERE THINK I HAVE GIVEN 0000000000....ZERO....0000 Reviewed on: 5th October 2022

Need new people at top to run this company

This bank is the worst bank I have dealt with phoned twice today after waiting over 30 minutes this evening and then getting through only to be told my sort code no was dealt with another department unbelievable I was on to the ombudsman this week about another complaint and was told virgin had a back log of complaints no wonder the people at the top should be embarrassed about how this company is run I would suggest the people at the top making big money should do the right thing and empty there desks and leave and let people that know what they are doing run the company you shouldn't need to wait over 30 minutes for a phone to be answered I once thought virgin money was a good bank but not now it's the worst bank I deal with and in my opinion it isn't run properly so that says to me the people at the top need replacing and quickly before they leave I suggest they go and answer the phones for a couple of weeks they may learn how a bank works? a good idea I'd say. Unsatisfied customer. John. Reviewed on: 3rd October 2022

No one answers the phone

They do not solve problems because there is no way to contact anyone. They never answer my calls. This means I can't access my money, it is locked away behind a number that is forever on hold. Appalling way to treat customers. Reviewed on: 28th September 2022

Worst bank ever

This is one of the worst banks which freezes and blocks customer accounts and I found them to be racist to me in doing so. Avoid. Reviewed on: 27th September 2022

Contacting customer service

I have been trying to make contact for over a week to no avail. Keep getting the please hold which then transforms to experiencing high number of calls the latest was at 8:02am. Have to use telephone as my nearest branch was closed Reviewed on: 10th September 2022

Just godawful

Just godawful. Consistently on hold for at least 40 mins. One alert where they asked me to contact them. After over an hour on hold, I gave up and tried another number. They looked at the account and said there was nothing wrong - although they verified that the alert had indeed come from them. Then online account was blocked - again, spent ages on hold on a Sunday when their hours were showing as open. But then it had to be referred to another department and they weren't open until Monday. So tried again on Monday and got everything resolved in about 5 mins - but was on hold for 45 mins to get there. So many problems with their new system. I really hope they get this sorted soon because it's a miserable experience having to deal with their very inaccessible customer support and appalling wait times. Reviewed on: 15th August 2022

Just godawful.

shame they are leaving rural communities without a branch

I have been with Clydesdale who are now Virgin Money for over 20 years, fabulous service at the branch and a great app for ordinary services. It is now online or go 50 miles to the nearest branch and no face to face for the real personal service. It is a pity and one that may make me move something I never thought I would consider Reviewed on: 8th August 2022

EXCELLENT replacement for Yorkshire Bank

I was Phished recently. VM detected this and drew my attention to the problem within MINUTES. The whole business was resolved at no cost to me within 24 hours. OUTSTANDING service Reviewed on: 31st July 2022

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