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Virgin Money reviews

Virgin Money Logo
Rated Good • 3.65/5

Virgin Money reviews

Verified business Last reviewed within 7 days
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  • 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 1,772 product reviews

Average score of 3.65/5
5 star
58%
4 star
12%
3 star
4%
2 star
3%
1 star
23%
Reviews for Virgin Money have trended negatively 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
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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

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Reviews for Virgin Money

Showing 11 of 1772 company reviews • Last reviewed within 7 days

Good rates on foreign credit card purchases

Credit cards • 15th June 2026

Good rates on foreign credit card purchases plus points of value. Whats app easy to manage and use.

{"display":"Isaac S","full_name":"Isaac S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5.00/5
Read more product reviews

Fraudulently charged fees to correct their mistake

Credit cards • 13th June 2026

Virgin money took a direct debit from my account despite the balance being £0 and the direct debit being cancelled. When I went on their... Virgin money took a direct debit from my account despite the balance being £0 and the direct debit being cancelled. When I went on their app I requested that this was refunded. They then proceeded to reverse the direct debit and send me a cash transfer charging me £25 for a transfer that I didn’t request. I complained to them 2 weeks ago and returned the money immediately to pay off their fraudulent cash transfer. I have had no response. They have since charged me £0.49 in interest on a fee that was only incurred through their error. Read more Read less

{"display":"Reever","full_name":"Reever","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Terrible • 1.00/5
Read more product reviews
  • 5.00/5

    They are such a fair company.

    They are such a fair company. Repayment rates are low and offers on transfers and advances are frequent and fair, lasting a long time at... They are such a fair company. Repayment rates are low and offers on transfers and advances are frequent and fair, lasting a long time at 0%. I only hope their fantastic service continues under new ownership. Read more Read less

    {"display":"Phil J","full_name":"Phil J","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit cards
    Phil J 13th June 2026
  • 1.00/5

    Smashed phone, no help

    Husband dropped phone totally not working and cracked screen could not access it. Rang virgin they wanted paperwork from when we bought phone. It was... Husband dropped phone totally not working and cracked screen could not access it. Rang virgin they wanted paperwork from when we bought phone. It was years ago, who keeps that stuff. Made it really difficult to claim, so gave up which is what they probably wanted. Very poor. Read more Read less

    {"display":"Suzanne ","full_name":"Suzanne ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Excellent service provider.

    Regularly bring out innovative stuff. Communications always relevant and prompt.

    {"display":"Robert Simpson ","full_name":"Robert Simpson ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Cash isa

    I made an account and then downloaded the app. Not checking for nearly a year the app didn’t work. Called virgin and they were amazing... I made an account and then downloaded the app. Not checking for nearly a year the app didn’t work. Called virgin and they were amazing with helping me get online and reassuring me everything was good and explained the app does not work for cash isa so i felt my money was very safe after panicking . I could not fault them in any way Read more Read less

    {"display":"Stephen G","full_name":"Stephen G","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Cash ISA
    Stephen G 11th June 2026
  • 5.00/5

    Have been using a Virgin Money credit card for sever...

    Have been using a Virgin Money credit card for several years and only have positive things to say. It is very reliable and clear in their terms.

    {"display":"Victoria B","full_name":"Victoria B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit cards
    Victoria B 11th June 2026
  • 4.00/5

    Simple and easy

    An accessible app design that helps to ensure payments are easy to make through your bank account. Customer service is also brilliant for questions as... An accessible app design that helps to ensure payments are easy to make through your bank account. Customer service is also brilliant for questions as I’ve been connected to an agent in no time and issues have been resolved swiftly! Lots of cashback offers available too! Read more Read less

    {"display":"aisha aj","full_name":"aisha aj","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1630128.png"}}'s avatar
    Credit cards
    aisha aj 7th June 2026
  • 5.00/5

    Lower interest rates and good customer service

    Lower interest rates and good customer service

    {"display":"Mohammed A","full_name":"Mohammed A","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 1.00/5

    I am extremely dissatisfied with my experience with...

    I am extremely dissatisfied with my experience with Virgin Money regarding a recent transaction. The handling of my funds was unexpected and caused serious concern.... I am extremely dissatisfied with my experience with Virgin Money regarding a recent transaction. The handling of my funds was unexpected and caused serious concern. I strongly advise customers to monitor their accounts closely. The communication I received from staff was inconsistent, unclear, and at times appeared misleading, which significantly worsened the situation. This matter has been formally raised, and I am awaiting a full and proper resolution. I expect a higher standard of transparency, accuracy, and professionalism. This experience has seriously undermined my confidence in the bank. Read more Read less

    {"display":"Muhammad Y","full_name":"Muhammad Y","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Excellent balance transfer rates

    Excellent balance transfer rates, got me out of a tough time without incurring additional interest

    {"display":"OctarinePaul","full_name":"OctarinePaul","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar

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