Rating based on 22 reviews

Virgin Money


  • Card benefits
  • Flexible credit cards
  • Low-interest up to 21.9%

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Virgin Money homepage

Author Virgin Money. Screenshot of Virgin Money website. [Accessed September 5, 2019]

About Virgin Money

Virgin Money plc is a UK-based bank and financial services company founded by Sir Richard Branson in 1995.

Formally known as Virgin Direct, we pioneered the way by launching a value personal equity programme into the market.

We care about the small things

At Virgin Money, we believe small changes can add up to make a big difference, specifically when it comes to your credit cards. In our quest to make things better, we never stop looking at how every aspect of banking works and how it can be improved. In addition, we believe in banking that not only benefits our business but also our customers and the community and our Virgin Money lounges are the perfect examples.

Our lounges are designed for you

Designed exclusively as places for our customers to relax and unwind, our lounges offer complimentary refreshments, free Wi-Fi, newspapers, magazines, TVs and iPads.

Virgin Money Services

We offer a range of credit cards to our customers, each designed to match their individual's needs.

These include balance transfers, everyday purchases as well as rewards cards. Whether you're looking to get a better deal on your balance, free up some cash in your current account, rack up flying club miles, or enjoy a smart deal on your everyday spending, we’ve got a grand pack of cards to choose from. At Virgin Money, we also have personal loans and short-term loans.

Benefits of using the card-checker

  • Quick and easy to use
  • Won't tarnish your credit score
  • You will have the confidence to apply

Our card checker is a simple 4-step process

  • Step 1 – About you
  • Step 2 – Address
  • Step 3 – Employment and income
  • Step 4 - About the check

Virgin Money Product Details

  • Loan Type Credit cards
  • Interest Rate 21.9%

Summary of Services

  • Quick and easy eligibility check
  • There are no annual fees
  • No minimum credit limit

Make the right choice with Virgin Money

We also offer educational guides which aim to give you the facts about finance, as such helping make better decisions about your money.

In addition, we help you raise money for the causes you care most about. We aim to work together with you to make a better world for all. We recognise everyone as equal and important. Our quest is to make banking better includes creating a place where all our colleagues and customers feel welcomed and valued

Virgin Atlantic reward credit card

You can earn Flying Club miles every day. Gain 5,000 bonus miles with your first card purchase, simply purchasing within 90 days of opening your account. You earn, 0.75 flying-club miles for every £1 you spend on daily card purchases. Plus, earn 1.5 miles for every £1 you spend with Virgin Atlantic or Virgin Holidays. Pay 0% for 6 months on balance and money transfers, as such you'll pay a 3% fee and no annual fee charged.

Virgin Atlantic reward+ credit card

You’ll start earning Flying Club miles fast. Earn 15,000 bonus miles with your first card purchase, when you make your first purchase within 90 days of opening your account. In addition, gain 1.5 Flying Club miles for every £1 you spend on everyday card spending. Or earn, 3 miles for every £1 you spend with your Virgin Atlantic or Virgin Holidays. You can also choose to upgrade to Premium or earn a Companion ticket when you spend £10,000 or more per year. 0% for 6 months on balance and money transfers and only pay a 3% fee.

You are valued

Our stores and Virgin lounges make the whole experience more comfortable, we treat our customers as people and not a number.

We are accessible

We believe banking should be for everyone. If you or someone you know has a disability we are here to help. As such, we offer support for the visually impaired community, hearing and speech community, mobility as well as other customers with special support needs.

Customer Reviews & Testimonials

July 2019

They made sure all the small details were up to standard and made sure I was comfortable with everything

Andrew W
— Bristol —

March 2019

They have the best customer services! Thank you, Virgin Money

Samuel K
— Aberdeen —

Virgin Money Contact Details

Contact Number


  • not available


Physical Address

  • Jubilee House, Gosforth Newcastle upon Tyne NE3 4PL United Kingdom
  • Get Directions

Opening Hours

  • Monday 10:00 – 15:00
  • Tuesday 10:00 – 15:00
  • Wednesday 10:00 – 15:00
  • Thursday 10:00 – 15:00
  • Friday 10:00 – 15:00
  • Saturday – Closed
  • Sunday – Closed