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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)

Can close your account with 2 months notice without explanation

Got a letter saying that they are closing my account in 2 months. I don't believe that I have committed any misconduct but it would be nice to get a reply from the branch manager. Matter has now gone to financial ombudsman Reviewed on: 6th September 2021

Useless app

I don't get any notifications of transactions till the next day it sends wrong balance alerts and overall its useless really considering moving to another bank as fed up with virgin Never had any problems when it was clydesdale bank Reviewed on: 2nd September 2021

Appalling service and useless authentication code process

Since Virgin Money has started to send authentication codes to enable access to online banking, their system has basically locked me out. They claim that the non-arrival of the code is the fault of Virgin Mobile. Yet many other banks that I have accounts with work perfectly well - their authentication code whizzes through within a few seconds. Hence it is Virgin Money that has not made the necessary adjustment to allow their customers to receive their code if they also happen to use Virgin Mobile. There are other problems too such as not sending a temporary password when requested by phone, and giving so much automated information when calling that it takes at least 5 minutes to get through to an advisor. Avoid this company if you also happen to have Virgin Mobile Reviewed on: 20th August 2021

App is great and great switch offer

Free wine who wouldn't want that. The switching process was straightforward and the banking app works great. I've never needed to speak to anyone as I can do everything I need to do on the app. Reviewed on: 19th August 2021

BANK TAKEOVER

I HAVE BEEN WITH CLYDESDALE BANK 30 YEARS HOWEVER WITH LITTLE OR NO DISCUSSION BANK WAS TAKEN OVER BY VIRGIN MONEY , AS A CUSTOMER FELT LET DOWN. Reviewed on: 9th August 2021

Current Account

Website is great as it works along side the app, the security side seems really good as it uses a combination of both app and website. It was really easy to apply for the product Reviewed on: 11th April 2021

Easy, clear, functional, good value for money!

The best branch bank in the UK! The checking account is easy and clear to manage, there are Fintech tools incorporated. The support is easy to reach and efficient to solve any issue! Reviewed on: 1st April 2021

Great app, great benefits

I’ve only been with Virgin Money for a few months but so far I’m impressed. The initial application was simple and the app is great for getting everything done. The benefits on offer are highly competitive too. Reviewed on: 25th March 2021

On line help useless. told to phone and still waiting for answer an hour later

Really poor. On-line help cant answer the question and telephones not being answered, Reviewed on: 19th March 2021

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

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