Where the score comes from

Each source counts by its number of reviews. Only reviews written by people are scored.

Rating, volume, share of the score, six-month trend and fake-review risk for each source
Source	Rating	Reviews	Weight	6-mo	Fake risk
Trustpilot Imported Trustpilot reviews	3.9	60	100%	—	● Medium

3.9 / 5 overall

60 reviews across 1 scored source

How fake risk works ⓘ

How it compares

Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.

Overall rating and review count for this company and similar companies
Company	Overall	Legit	Service	Website & app	Delivery	Trend	Reviews
Virgin Money UKThis company	3.9 out of 5 (good)	100 out of 100	4.2 out of 5 (good)	3.9 out of 5 (good)	3.2 out of 5 (fair)	—	60
International Card Services	4.2 out of 5 (good)	100 out of 100	3.3 out of 5 (fair)	3.0 out of 5 (fair)	—	—	1,200
Frontier Home Insurance	4.7 out of 5 (good)	100 out of 100	4.7 out of 5 (good)	4.6 out of 5 (good)	—	—	1,060
JustCover Travel Insurance	4.8 out of 5 (good)	100 out of 100	4.9 out of 5 (good)	4.7 out of 5 (good)	—	—	1,060
247 Home Rescue	4.8 out of 5 (good)	100 out of 100	4.7 out of 5 (good)	4.0 out of 5 (good)	4.8 out of 5 (good)	—	1,060

Bottom line: Virgin Money UK is #5 of 5 on overall rating in this group. On delivery, 247 Home Rescue scores higher (4.8 vs 3.2).

Reviews

60 reviews of Virgin Money UK. Filter by what matters to you.

3.9ⓘ

Customer reviews (60)

0 reviews in the last 12 months

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Mrs. Pip Stacey

1 review

Sep 12, 2025

Easy to complete opening the account…

Easy to complete opening the account online, a switching service is offered. Used the chat service too, very quick and helpful reply

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1 review

Sep 12, 2025

All fine until they blocked my card

All fine until they blocked my card. No problem with security kicking in, but to get things unblocked is very poor compared to my other credit card provider who sends a text and with confirmation, back to normal. With Virgin, you have to call, spend forever waiting, or find a time when the queue is less than 45mins, then go through a long-winded Q&A with someone I couldn't understand too well. When done, one's App stays blocked and had to delete and set up again. Seriously, if I have to go through that a couple more times, I'll stick this card in the bin (after cutting it up - security is important remember!)

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1 review

Sep 12, 2025

Appalling telephone system. Cold customer service

I needed to add a phone number to my credit card account. I tried to complete via the app, but after finally getting someone human to communicate on the chat they said I needed to call customer services. Tried for a couple of hours yesterday to get through. Had to listen to lots of recorded messages but every time I finally got to the 'press a number' bit, it either cut off or returned to the loop message. Finally got through this morning to an advisor. I couldn't remember my password. She told me to call back and 'fail' the password again and that the next advisor would put me through to another dept to resolve. I asked her why she couldn't just put me through as I'd never recall the password now, but she refused stating that's the process. Tried again, got cut off 3 times then got through to a helpful guy who put me through. I explained to the next person that I wanted to add my partners telephone number to the account so that they could use their card effectively, but had been put through to her as I couldn't recall my password. She advised that they would send me a link to upload documents of proof of identity and that it would take 7 working days? AND THAT MY ACCOUNT WAS NOW BLOCKED!!!. I was absolutely flabbergasted that a simple request had blocked my account. She showed zero empathy about this and repeated robotically it was MY responsibility to remember the password.( yes, I got it the first time she told me. I didn't need to hear it again and again!) So after all the frustration of trying to get through to Virgin for a simple transaction, listening to the same recorded message over and over and getting cut off, my card is blocked and I am well and truly told off by the advisor. Some empathy from the advisor would have been appreciated but all she wanted to do was repeat the rules and follow the instructions on her drop down menu of stock answers. I only keep this card because of Virgin Atlantic points. Virgin Money, your whole communication process and the tone of your advisors is a big 1 out of 10. You operate under the Virgin brand and customers therefore expect a quality service level from ease of making a telephone call, to speaking to someone who demonstrates care to customers even if they are giving out bad news. It's been a really poor and frustrating experience.

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Virgin Money UK reviews & trust report

Virgin Money UK has a positive customer experience.

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Where the score comes from

Reputation trend

What people praise & complain about

Top praiseof 42 positive reviews

Top complaintsof 15 negative reviews

How it compares

Reviews

Customer reviews (60)

Easy to complete opening the account…

All fine until they blocked my card

Appalling telephone system. Cold customer service

Virgin Money UK FAQ

Is Virgin Money UK a legitimate company?

Is Virgin Money UK a scam?

What services does Virgin Money UK offer?

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Alternatives to Virgin Money UK

International Card Services

Frontier Home Insurance

JustCover Travel Insurance

247 Home Rescue

eCapital Freight Factoring

Oodle Car Finance

The CrowdTrust Experience⭐

The products do what I want and need.

The simplicity of doing this

I can't access online banking.

Easy to set up

It was simple

Appalling treatment and denial of section 75 claim for months

Peace of mind

Excellent help Emma

Ryan Wallace - Great Customer Service

Still waiting

So easy and honestly no stress

Debbie was absolutely amazing in…

Seems like very experienced staff who…

Jen who i saw was very good.Excellent…

Fees reasonable, easy set up.

Hard Credit Search on MIP

Good switch but dreadful access to new account

About Virgin Money UK