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Virgin Money: Essential Current Account reviews

Name: Essential Current Account
Rating: 3.04 (142 reviews)

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3.01

Based on 142 reviews, last reviewed 22nd Jan 2026

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

37%

12%

39%

Latest highest rating:

4

They have been great when you have had a problem and... They have been great when you have had a problem and sort it out for you Reviewed on: 22nd 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:

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

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

Poor serice

App is unreliable, doesn't provide correct balance and transaction information, Calls don't get answered. Reviewed on: 5th March 2021

Very confusing account opening incentive

I watched the Martin Lewis Money Show where it was explained that if I switched to a Virgin current account I would receive a opening account incentive of 15 bottles of wine I searched the internet and found a application link for this offer and followed it through and my account switch was confirmed /accepted. However after 4 weeks with my Virgin account operatingi had not received the wine incentive so I chased it up and was told that I would be sent a voucher for the wine in due course. A few weeks later I chased it up again and was told that I had been set up with a different accout to the one with the opening incentive. I made a formal complaint and was informed yesterday that my complaint was rejected but I would receive£25 compensation for being mis informed when I originally chased this up. I have lost confidence and started to remove my funds and transfer my direct debits etc to another bank Reviewed on: 25th February 2021

Hard to use app

I joined Virgin to get the free wine, most of the bottles were not very good but to be fair there were a couple of excellent wines in there. The app is not very user friendly and the interface is hard to use compared to Nationwide or HSBC for example. Customer service is so-so. all in all, they need to do a lot to improve. Reviewed on: 21st February 2021

Best Bank

Amazing service at all times, quick and easy too contact Reviewed on: 17th February 2021

Interest rate not worth the trouble

Trying to phone to resolve blocked access was a nightmare with calls answered with a number of options and then approximately every 20 seconds to be advised "Your call will be answered shortly" Reviewed on: 17th February 2021

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