Virgin Money Complete Review

Virgin Money offers UK current accounts, linked savings, credit cards, mortgages, personal loans, insurance and app banking. It is now part of Nationwide Building Society: the business transferred on 2 April 2026, and Nationwide states that money across all Nationwide and Virgin Money accounts is covered by a single £120,000 FSCS limit rather than one each.

Virgin Money offers fee-free and paid current accounts, including M Plus-style current accounts and Club M packaged accounts. Features can include linked savings, app banking, debit cards, credit products and branch support. Anyone holding savings with both Virgin Money and Nationwide is protected once, not twice — the two now share one £120,000 FSCS limit per person, so splitting a large balance between them adds no protection.

This complete review expands on the overview page by looking at account features, fees, protection, app experience, support options and the practical trade-offs readers should check before choosing.

Virgin Money is reviewed using public information, official provider details and available customer feedback signals. Eligible deposits are covered by FSCS protection where the account is held with the relevant authorised UK bank.

Customer review and app-store ratings can change quickly, so readers should treat them as a snapshot rather than a permanent score.

Virgin Money supports everyday banking through a mix of app, online, telephone and branch or partner-channel support, depending on the account and location.

The most important checks are monthly fees, overseas card charges, overdraft pricing, savings eligibility, app controls, support access and FSCS licence grouping.

Virgin Money offers current accounts with linked savings, plus online savings, cash ISA, fixed-rate and limited-access products. Its online savings comparison page should be treated as the source for current savings rates because product availability and issue numbers can change.

The online savings range checked for this review includes 1 Year Fixed Rate Cash E-ISA, Double Take E-ISA, M Access ISA, Double Take E-Saver and the M Plus Saver linked to the M Plus current account.

Virgin Money is now part of Nationwide Building Society, so savers should check FSCS licence grouping carefully. Virgin Money states combined deposits with Virgin Money and Nationwide are covered up to the FSCS limit per person.

Virgin Money's app and online banking support everyday tasks such as checking balances, viewing transactions, making payments and managing cards.

Readers who rely heavily on mobile banking should compare current App Store and Google Play feedback as well as the provider's own feature list.

Virgin Money is worth comparing if its support model, fees and account features match what the reader needs. It should not be treated as universally better or worse than other high street banks without checking the specific trade-offs.

Before choosing, readers should verify current fees, savings rates, eligibility rules, overseas charges and FSCS licence details directly with the provider.