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Virgin Money reviews

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Rated Good 3.65/5

Virgin Money 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 1,762 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 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
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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 1762 company reviews Last reviewed within 7 days

Excellent balance transfer rates

Credit cards 18th April 2026

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

Rated Excellent 5/5
Read more product reviews

Exceptional service and no fuzz outlook

Credit cards 17th April 2026

Exceptional service and no fuzz outlook

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

    Very efficient service ,intuitive online application...

    Very efficient service ,intuitive online application system

  • 5/5

    Happy banking

    I have banked with Virgin since their takeover of the Clydesdale and have been happy

    {"display":"Dr Brown","full_name":"Dr Brown","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    M Plus account
    Dr Brown 16th April 2026
  • 5/5

    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... 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' current account with a linked 'M' saver account. Both accounts can be accessed with the Virgin app, which is great. Read more Read less

  • 1/5

    Ignore formal complaints and SAR

    I raised a formal complaint and despite replying several times and requesting a SAR they have ignored me. Astonishing isn't it. What is crazy is... I raised a formal complaint and despite replying several times and requesting a SAR they have ignored me. Astonishing isn't it. What is crazy is that I sent two emails ,one regarding the complaint and one about another matter and they replied to the other one but blatantly ignored the complaint despite the strict regulations in places governing credit card providers. On that basis I don't have much good to say. A SAR is a legal requirement, not something you can pick or choose whether to answer. Read more Read less

    {"display":"Ian Bullock","full_name":"Ian Bullock","avatar":{"url":"\/assets\/uploads\/avatars\/users\/759376.png"}}'s avatar
    Credit cards
    Ian Bullock 16th April 2026
  • 5/5

    Having been a loyal client for several years, I feel...

    Having been a loyal client for several years, I feel compelled to share my profound appreciation for the consistently exceptional service provided by this institution.... Having been a loyal client for several years, I feel compelled to share my profound appreciation for the consistently exceptional service provided by this institution. What truly distinguishes them in the UK’s competitive financial landscape is their unwavering reliability and the remarkable way they have evolved without ever compromising their core values of integrity and excellence. Throughout our long-standing relationship, they have demonstrated an unparalleled ability to anticipate my financial needs with precision and care. Their team doesn't just process transactions; they cultivate genuine partnerships, offering astute guidance and support that has been instrumental to my financial well-being. It is rare to find an organization that maintains such a high caliber of professionalism while remaining so deeply approachable and human-centric. They are, without a doubt, a benchmark for excellence in modern banking, and I look forward to many more years of continued collaboration." Read more Read less

  • 5/5

    3 year cash isa was a very good interest rate and we...

    3 year cash isa was a very good interest rate and well worth investing for the 3 year term

    {"display":"Guy H","full_name":"Guy H","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Cash ISA
    Guy H 16th April 2026
  • 5/5

    Great Customer Service Experience!

    Great Customer Service Experience!

  • 5/5

    The thing that sets Virgin Money apart is the experi...

    The thing that sets Virgin Money apart is the experience from the minute you apply until you register the app. It’s smart, modern, and crystal... The thing that sets Virgin Money apart is the experience from the minute you apply until you register the app. It’s smart, modern, and crystal clear. It’s not your normal bank that uses big confusing words - you know what’s happening now and next. Their app is amazing and very easy to use, and their live chat staff are very friendly and also upbeat. Read more Read less

    {"display":"Dylan K","full_name":"Dylan K","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit cards
    Dylan K 13th April 2026
  • 5/5

    Great interest rate and super fast and easy to open...

    Great interest rate and super fast and easy to open and manage online account

    {"display":"Marie","full_name":"Marie","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Fixed Rate Savings
    Marie 25th March 2026

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