Choose NatWest if...
- You want reward-style everyday banking.
- You value a strong mobile app.
- You want branch support as backup.
- You may use wider NatWest products.
Updated 3 July 2026 - High street bank comparison
NatWest vs Virgin MoneyWhich should you choose?
NatWest and Virgin Money can both work as UK high street banking options, but they suit different priorities. NatWest may appeal if reward banking, app features and everyday current accounts matters most, while Virgin Money may be worth comparing if you prefer linked savings, packaged accounts and branch-backed everyday banking.
Quick verdict
Pick NatWest if you want reward-style everyday banking.
Pick Virgin Money if you want current account-linked savings.
Choose Virgin Money if...
- You want current account-linked savings.
- You may value packaged account benefits.
- You want branch-backed banking with app support.
- You understand Nationwide and Virgin Money FSCS grouping should be checked.
NatWest vs Virgin Money: side-by-side
| Category | NatWest | Virgin Money | Edge |
|---|---|---|---|
| Best overall fit | Reward banking, app features and everyday current accounts | Linked savings, packaged accounts and branch-backed everyday banking | Tie |
| Monthly fee | Standard and reward account options available. | Fee-free and paid Club M-style packaged current account options may be available. | Tie |
| Branch access | Large branch network, with app and online banking. | UK branch support, with Nationwide group context to consider. | Tie |
| Mobile app | Highly rated mobile app with spending and card controls. | App and online banking for everyday account management. | Tie |
| Savings | Linked savings and regular saver options may be available. | Linked savings, online savings, cash ISA, fixed-rate and limited-access products may be available. | Tie |
| Support | Branch, phone, app and online support. | Branch, phone, app and online support. | Tie |
| Extra products | Reward account, credit cards, loans, mortgages and business banking. | Current accounts, linked savings, packaged account benefits, credit cards, loans and mortgages. | Tie |
Final verdict
NatWest and Virgin Money are worth comparing side by side. The better fit depends on whether you care more about reward banking, app features and everyday current accounts or linked savings, packaged accounts and branch-backed everyday banking.
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