Overall (9.1/10)
Interest Rates & APY (9.0/10)
Fees & Minimums (8.9/10)
Customer Service (9.2/10)
Mobile App & Digital Banking (9.1/10)
Rewards & Perks (9.2/10)

Virgin Money Review:

Intro

Virgin Money challenges traditional banks with zero-FX current accounts, linked high-interest savers, and Virgin Points rewards.

Full Review

Virgin Money UK offers modern retail banking products designed to challenge traditional high-street banks. Its flagship M Plus Current Account combines zero monthly fees, fee-free spending abroad, and a linked high-interest savings pot.

Virgin Money is also a leading provider of Virgin Atlantic Reward credit cards, fixed-rate ISA & E-Bond savings accounts, and flexible residential mortgages across the UK.

Pros

  • Zero monthly fee M Plus Current Account with linked saver pot
  • Fee-free debit card spending and ATM withdrawals abroad
  • Competitive 1-Year Fixed Rate E-Bonds and ISA products
  • Earn Virgin Points toward flights and lifestyle rewards

Cons

  • Smaller physical branch footprint than Big Four UK banks
  • Mobile app setup requires multiple verification steps
  • Business banking features are more limited
Feature Value
Overall Rating 4.7
Savings APY / AER 4.50% AER
Deposit Insurance FSCS Protected (£85k)

Virgin Money: Products

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Virgin Money M Plus Current Account

Virgin Money M Plus Current Account

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Virgin Money: Categories

Checking Accounts

Checking Accounts

Rated 8.1

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High-Yield Savings

High-Yield Savings

Rated 8.1

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Credit Cards

Credit Cards

Rated 8

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Personal Loans

Personal Loans

Rated 7.9

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Mortgages & Home Loans

Mortgages & Home Loans

Rated 7.8

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CD Rates & Fixed Deposits

CD Rates & Fixed Deposits

Rated 7.7

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