Smart Money People Logo

Voting in the British bank awards 2026 is open - Vote here

Share this page

Virgin Money reviews

Virgin Money Logo
Rated Good 3.62/5

Virgin Money reviews

Verified businesses always have up to date contact details and can respond to reviews.

Verified business
Last reviewed within 7 days
  • FCA approved and regulated
    FCA approved and regulated
  • Fully digital service with no in-person branches
    Fully digital service with no in-person branches
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website
  • Provides paperless statements and documents
    Provides paperless statements and documents

Review summary

People rate this company as Good based on 1,745 product reviews

Average score of 3.62/5
5 star
58%
4 star
12%
3 star
4%
2 star
3%
1 star
23%
Reviews for Virgin Money have trended positively over the past 90 days

Virgin Money’s credit cards and savings products often impress with competitive rates and handy app features, especially for air miles and balance transfers. However, many find their customer service frustratingly slow or unhelpful, with long waits and poor communication. The app is generally liked but sometimes glitchy, and accessing accounts without the app is a pain. Travel insurance claims and pension services also draw heavy criticism for delays and poor support.

Positive themes

  • Virgin Money credit cards offer great rates, easy apps, and useful rewards like air miles.
  • Virgin Money savings and ISAs have competitive interest rates and are easy to manage online.
  • The Virgin Money app is generally easy to use and helps keep track of spending and savings.

Negative themes

  • Virgin Money’s customer service is often slow, unhelpful and frustrating with long waits.
  • Many struggle with Virgin Money’s app-only access and poor online account functionality.
  • Travel insurance claims with Virgin Money are slow and poorly handled causing frustration.
Summarised by AI
Was this helpful?

About Virgin Money

Virgin Money is a UK financial services company.

Virgin Money has been owned by Nationwide Building Society since 2024. The original Virgin Money brand was founded by Richard Branson in 1995. Today, Virgin Money has over 6.6m customers. Accounts can be managed online via internet banking or a mobile app.

Virgin Money products include current accounts, savings, loans, insurance, credit cards, mortgages and pensions.

Virgin Money at a glance

Contact details

Social media

Reviews for Virgin Money

Showing 11 of 1745 company reviews Last reviewed within 7 days

Branch has a car park, and parking is normally possi...

Essential Current Account 28th January 2026

Branch has a car park, and parking is normally possible. Internal cash machines usually operational and available. Queue at tellers desk normally around 5 customers. Tellers helpful.

Rated Good 4/5
Read more product reviews

Use if for our Speakers club and it has been the eas...

M Plus account 22nd January 2026

Use if for our Speakers club and it has been the easiest bank to deal with for a club such as ours that is small and has to manage costs

Rated Excellent 5/5
Read more product reviews
  • 5/5

    Easy to use app.

    Easy to use app. But shame about delays on updates.

    {"display":"Tom","full_name":"Tom","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit cards
    Tom 22nd January 2026
  • 4/5

    Too many branch closures

    Despite being a customer for many, many years I cannot remember being asked to come into a branch for a review of how my money... Despite being a customer for many, many years I cannot remember being asked to come into a branch for a review of how my money is working for me. Also, my branch closed and account transferred to a different branch, this branch also closed. My new branch is some distance away from. I dislike how customers are supposed to just accept branch closures Read more Read less

  • 5/5

    Good product, good customer service

    Good product, good customer service

    {"display":"Nigel T","full_name":"Nigel T","avatar":{"url":"\/assets\/uploads\/avatars\/users\/596821.png"}}'s avatar
    Credit cards
    Nigel T 22nd January 2026
  • 5/5

    Excellent Service

    Excellent help and advice in the branch , efficient & courteous service

    {"display":"d.ward999@btinternet.com","full_name":"d.ward999@btinternet.com","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Cash ISA
    [email protected] 22nd January 2026
  • 5/5

    Always been really helpful whenever I have rang with...

    Always been really helpful whenever I have rang with a query. Also my dad passed away recently and they were very helpful with explaining the procedures.

  • 5/5

    Friendly svirgin bank review

    Friendly staff and always give good advice

    {"display":"Lee Carter ","full_name":"Lee Carter ","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1134868.png"}}'s avatar
    M Plus account
    Lee Carter 22nd January 2026
  • 5/5

    I find Virgin money 's mobile banking easy to use wi...

    I find Virgin money 's mobile banking easy to use with excellent help and advice available if needed . As I am limited in mobility... I find Virgin money 's mobile banking easy to use with excellent help and advice available if needed . As I am limited in mobility it is important to me that I can conduct my banking needs securely from home and Virgin Money services enable me to do this with full confidence plus I get a smal! amount of interest paid on my,current account . Read more Read less

    {"display":"Margaret C","full_name":"Margaret C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    M Plus account
    Margaret C 22nd January 2026
  • 4/5

    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

  • 2/5

    Disappointing experience with claims department.

    I have had three annual travel policies and three policies specifically for cruises. Until this time I had never needed to make a claim. On... I have had three annual travel policies and three policies specifically for cruises. Until this time I had never needed to make a claim. On our cruise this year we missed a port, so I contacted Virgin to see if we were covered. They advised me I was but needed to contact Ergo travel as they handle claims on behalf of Virgin. A missed port is a very simple claim, as proof is provided by the cruise operator. The claim process was far from simple. A great deal of information was required but I submitted everything they asked for. Email confirmed they would reply in 20 working days, they didn’t. Chased and received what I feel was a rude reply. Called customer services who said they couldn’t help. Not sure what their purpose is then? Suggested I make a complaint if I was unsatisfied. I did. My complaint was upheld and I received £50 compensation. My claim was then denied and when I asked for an explanation had to wait ages again. This has taken over three months to be dealt with. I feel you don’t really know how good your insurance company is until you need to make a claim. On the basis of my experience I will definitely not be renewing with Virgin money. Read more Read less

    {"display":"Lorraine O","full_name":"Lorraine O","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Travel insurance
    Lorraine O 20th December 2025

    Products from Virgin Money

    Showing products offered by Virgin Money

    We are Smart Money People

    Join 2 million active users who make better financial decisions with the power of reviews.

    Create an account

    Protecting trust by verifying companies and reviewers

    The only site that specialises in financial services

    Providing everyday people with a voice