An excellent 0% card with no fees
An excellent 0% card with no fees. The best thing is that I now have over £8,750 earning a decent tax-free rate of interest in a Virgin Easy-Access ISA. Thanks, Virgin ... :-)

Virgin Money UK is a financial services provider that offers a comprehensive range of banking solutions for both personal and business customers. The company provides current accounts, credit cards, mortgages, savings accounts, ISAs, investments, and insurance products. With a commitment to transparent and straightforward banking, Virgin Money aims to simplify the financial experience for its users by offering clear information about its products and services. Targeting individuals and businesses alike, Virgin Money UK seeks to support its customers in managing their finances effectively. The company emphasizes customer satisfaction and accessibility, with a network of branches and online services designed to meet the needs of a diverse clientele. As part of its mission to enhance the banking experience, Virgin Money is focused on delivering reliable financial products that cater to the varying requirements of personal and business banking customers.
Virgin Money UK receives a mix of feedback from its customers, highlighting both strengths and weaknesses. Many reviewers appreciate the easy application process and the user-friendly app, noting that transactions and account management are straightforward.
Positive experiences often mention helpful staff who provide excellent customer service, with some praising quick responses to issues like fraudulent transactions. However, there are significant complaints regarding poor staff attitude and long wait times for support, with some customers describing their experiences as frustrating and unhelpful. Issues with card replacements and direct debits have also been raised, indicating a need for better communication and efficiency.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 3.9 | 60 | 100% | — | ● Medium |
Monthly average rating from reviews written by people.
Not enough history for a trend yet: 60 reviews in 1 month. The chart appears once reviews span two months.
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Easy application and easy to use app”
“There is a general unwillingness to help, and occasionally, you may be fortunate enough that a telephone customer ser...”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Website & app | Delivery | Trend | Reviews |
|---|---|---|---|---|---|---|---|
| 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 | |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | 3.0 out of 5 (fair) | — | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.6 out of 5 (good) | — | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | 4.7 out of 5 (good) | — | — | 1,060 | |
| 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).
60 reviews of Virgin Money UK. Filter by what matters to you.
An excellent 0% card with no fees. The best thing is that I now have over £8,750 earning a decent tax-free rate of interest in a Virgin Easy-Access ISA. Thanks, Virgin ... :-)
Informative and clear deals.
Can't register/log on to business Internet banking - reported issue by phone, no reply after promised investigation/resolution. Can't make international transfers - only available online. Absolutely not reccomended.
After 25 years with Barclays, I recently made the switch to Virgin Money as my main bank—and I couldn’t be more impressed. For over two decades, I held both a current account and a credit card with Barclays, maintaining a healthy income and consistent loyalty. Yet despite that, I received little in return. My packaged account, which started off modestly priced, had crept up to £37 a month for mobile phone and worldwide travel insurance—without any meaningful upgrades or recognition of my long-term commitment. Then I came across Virgin Money’s offering: the same insurance benefits for just £12.50 a month. That alone was enough to make the move. But Virgin didn’t stop there—I was also approved for a credit card with 0% interest on purchases and balance transfers for 18 months. In all my years with Barclays, I was never offered anything close to that. I’ll admit it—I’m a bit of a Virgin brand loyalist. But this experience has only reinforced that. Virgin Money delivered real value, transparency, and respect for my financial intelligence. It’s refreshing to see a bank that actually rewards its customers rather than taking them for granted.
Quick answers to the questions people ask most.
Yes, Virgin Money UK is a legitimate financial institution with a strong presence in the finance sector. It has received a mix of reviews, boasting an overall positive rating, with many customers praising the easy application process and helpful customer service.
No, Virgin Money UK is not a scam. Verified reviews indicate that while there are some complaints regarding customer service and account setup delays, many customers have had positive experiences, particularly with fraud detection and account management.
Virgin Money UK provides a range of financial services, including personal and business banking, credit cards, savings accounts, and investment products. Customers have highlighted the ease of application and helpful support throughout the process.
Virgin Money UK accepts various payment methods for its services, including direct debits, online payments, and credit card transactions. Customers have noted the efficiency of these payment processes in their reviews.
You can contact Virgin Money UK's customer support through their website or by phone. Many reviews commend the staff for their helpfulness and technical knowledge, especially in resolving issues quickly.
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Unable to do a balance transfer to certain credit cards. It doesn't make sense why not as they are not store cards and there were no alternative options despite contacting customer service twice. I think a money transfer offer under the same terms should be made available so I can complete the transfer myself - call me silly!
I was locked out of my Virgin credit card app because I’d tried to download it onto 2 different devices. This was at the weekend so there wasn’t anyone available until a weekday. I also found the options difficult on the queuing system awkward because when I pressed a digit on my iPhone this wasn’t picked up by the automated system so I kept getting cut off. Anyway, I would have left quite a poor review after this but when I got through to Customer Call centre and spoke to a person- what a game changer. I am so delighted with the response from Patience who I spoke to today that those glitches I experienced have been quickly forgotten. Patience really was patient with me and took time to answer all my questions and my initial issue was quickly resolved. Thank you so much Patience. I understand that things do go wrong with a new service but good customer care is key.
Great banking services ! Highly recommended
Applied for advertised Virgin Credit card to enable to transfer a payment to another credit card at 0% fee for 13 Months interest free. Card arrived late which could only be used with Virgin App. The App which had to be down loaded was full of soft ware problems with account details and Virgin net work faults not allowing verification to view account. on the 9th September finally managed to use App after making multiple attempts for days to verify account only managed by speaking to several Virgin agents who also had difficulties in resolving. On viewing the app account details for the first time showed a fee charge of £106 and 0% for 12 Months which was not required informing Virgin agent who refused to credit the fee stating no alterations could be made to account after two weeks found not possible due to App problems and not been supplied with copy of appliction form. Pleased with Virgin agents help but disappointed with app verification difficuties no copy of application form ,prior account details showing fee imposed of £106 Received today from Virgin Money after review and complaint an offer to refund fee charged by telephone
Accepted me and balance transfer within a day. 3 weeks later sent me a mail saying I needed to call them, tried numerous times to get through waiting for around 45 minutes Finally got through and they just wanted to check a few more thinks with me (info I had already shared) made me very nervous doing this over phone . Because this was so late due to delays on their part they then overpaid my balance transfer !!!!
Friendly professional service
See previous questinaire
Offered a long term 0% balance transfer card. Took it up to pay off another couple of smaller balances
Bobby was courteous in greeting and conversation throughout. Explained every detail and checked my understanding. Covered all the steps Went the extra mile
My transfers were so easy, all done within minutes on my phone.
Virgin Money UK is a financial services provider that offers a comprehensive range of banking solutions for both personal and business customers. The company provides current accounts, credit cards, mortgages, savings accounts, ISAs, investments, and insurance products. With a commitment to transparent and straightforward banking, Virgin Money aims to simplify the financial experience for its users by offering clear information about its products and services. Targeting individuals and businesses alike, Virgin Money UK seeks to support its customers in managing their finances effectively. The company emphasizes customer satisfaction and accessibility, with a network of branches and online services designed to meet the needs of a diverse clientele. As part of its mission to enhance the banking experience, Virgin Money is focused on delivering reliable financial products that cater to the varying requirements of personal and business banking customers.
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