Who are we?
We are a group of companies which provide a range of financial products:
Mortgages, Personal Loans, Savings and Current Accounts
Mortgages, Personal Loans, most savings accounts (including most ISAs) and Current Accounts are provided by Clydesdale Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 177 Bothwell Street, Glasgow, G2 7ER. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 121873.
ISAs
Virgin Money Cash ISAs are provided by Clydesdale Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 177 Bothwell Street, Glasgow, G2 7ER. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 121873.
The Virgin Money Stocks and Shares ISA is provided by Virgin Money Unit Trust Managers Limited (the ISA manager). Registered in England and Wales (Company number 3000482). Registered Office - Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Authorised and regulated by the Financial Conduct Authority.
Pensions and Unit Trusts/Investment Accounts
Virgin Money Pensions and Unit Trusts/Investment Accounts are provided by Virgin Money Unit Trust Managers Ltd. Registered in England and Wales (Company number 3000482). Registered Office - Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Authorised and regulated by the Financial Conduct Authority.
Life Insurance
For quotes obtained before 19 September 2023: Virgin Money Life Insurance is promoted by CYB Intermediaries Limited and arranged and administered by BISL Limited. CYB Intermediaries Limited - registered in England and Wales (company no. 04056283). Registered office - Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. BISL Limited - registered in England and Wales (company no. 3231094). Registered office - Fusion House, Katharine Way, Bretton, Peterborough, PE3 8BG. CYB Intermediaries Limited and BISL Limited are authorised and regulated by the Financial Conduct Authority.
For quotes obtained from 19 September 2023: Virgin Money Life Insurance is promoted by CYB Intermediaries Limited and provided by Family Assurance Friendly Society Limited. CYB Intermediaries Limited - registered in England & Wales (company no. 04056283) Registered office – Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL - authorised and regulated by the Financial Conduct Authority. Family Assurance Friendly Society Limited is a friendly society registered and incorporated under the Friendly Societies Act 1992, registration number 939F, registered address 16-17 West Street, Brighton, BN1 2RL, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Travel Insurance
Virgin Money Travel Insurance is promoted by CYB Intermediaries Ltd, registered at Jubilee House, Gosforth, NE3 4PL (Company No: 04056283) who is authorised and regulated by the Financial Conduct Authority under Financial Services Register no. 305065 and administered by Hood Travel Limited, registered in England No. 08318836 at 2nd Floor, Dencora Court, Tylers Avenue, Southend-on-Sea, Essex, SS1 2BB. Hood Travel Limited is authorised and regulated by the Financial Conduct Authority under Financial Services Register no. 597211. The core elements of Virgin Money Travel Insurance are underwritten by ERGO Travel Insurance Services Ltd (ETI) on behalf of Great Lakes Insurance UK Ltd. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting; http://register.fca.org.uk/ Link opens in a new window
Home Insurance
For policies purchased on or after 18 September 2024
Virgin Money Home Insurance is promoted by CYB Intermediaries Ltd, registered at Jubilee House, Gosforth, NE3 4PL (Company No: 04056283) who is authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 305065) and provided by Uinsure Limited. Uinsure Limited is registered in England and Wales with company number 06046870 with a registered office at XYZ Building, Hardman Boulevard, Manchester M3 3AQ. Uinsure Limited is authorised and regulated by the Financial Conduct Authority and is registered on the Financial Services Register under number 463689. You can check a firm’s registration on the FCA website at https://register.fca.org.uk/s/ Link opens in a new window or by calling 0800 111 6768.
For policies purchased before 18 September 2024
Virgin Money Home Insurance is promoted by CYB Intermediaries Ltd, registered at Jubilee House, Gosforth, NE3 4PL (Company No: 04056283) who is authorised and regulated by the Financial Conduct Authority under Financial Services Register No. 305065 and administered and underwritten by Royal & Sun Alliance Insurance Ltd. (RSA) (Company No. 93792). RSA is registered in England & Wales at St Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register No. 202323.
Business Insurance
Virgin Money acts as an introducer to Enro Limited (trading as Superscript) (“Superscript”). We’ll act on a non-advisory information only basis and won’t provide financial advice to you if you are considering any of Superscript’s products or services.
Virgin Atlantic Credit Cards
The Virgin Atlantic Credit Card is issued by Clydesdale Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 177 Bothwell Street, Glasgow, G2 7ER. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 121873.
Virgin Atlantic Airways is an appointed representative of Clydesdale Bank PLC (trading as Virgin Money).
Virgin Money Credit Cards (excluding Virgin Atlantic Credit Cards)
The Virgin Money Credit Card is issued by Clydesdale Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 177 Bothwell Street, Glasgow, G2 7ER. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 121873.
Prepaid Cards
The Virgin Prepaid Mastercard® card is issued by PrePay Technologies Ltd pursuant to license by Mastercard International Incorporated. This card is an electronic money product. PrePay Technologies Ltd is authorised and regulated by the Financial Conduct Authority for the issuance of electronic money (FRN: 900010). Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
Who is this website for?
This website is intended only for UK residents.
This site is subject to copyright with all rights reserved and the information is for your personal use only. Re-publication, retransmission, reproduction or other uses of any images on the site (with the exception of images provided on our picture gallery Link opens in a new window) is prohibited.
Virgin Money marks and devices, Virgin and the Virgin Signature logo are all registered trademarks of Virgin Enterprises Limited and are used under licence. Unauthorised use of these trademarks is not permitted.
You may not link any other website to this site without Virgin Money's prior written consent.
Will we change these terms or any products?
Virgin Money reserves the right to amend these terms and conditions of use at any time. Please check for updates from time to time.
Virgin Money may withdraw this website and withdraw or change any of its products or services at any time.
Is it just information we provide?
Yes. This website should not be relied upon for advice; it is for information only. If you need financial advice you should contact a financial advisor.
What other information do you need?
Financial Services Compensation Scheme (FSCS)
Important information about compensation arrangements
Financial Services Compensation Scheme can pay compensation to customers if they are eligible and a regulated firm is unable to pay claims against it, usually if the firm stops trading or is insolvent. Compensation limits apply depending on the type of claim. For deposits that are held in a UK bank, the Scheme will cover up to £85,000 per person. For more information, please visit fscs.org.uk. Link opens in a new window
Virgin Money will try to resolve any complaint with you. If we are unable to resolve any complaint, you can refer it to the Financial Ombudsman Service scheme, which provides for independent adjudication at:
| Address | Financial Ombudsman Service, Exchange Tower, London, E14 9SR. |
|---|---|
| Web | www.financial-ombudsman.org.uk Link opens in a new window |
| Helpline | 0800 023 4567 |
| Phone number | Call charges and information |
|---|---|
| 03 numbers | Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. |
| 084 numbers | Maximum of 7p per minute, plus your phone company's access charge. |
| 087 numbers | Maximum of 13p per minute, plus your phone company's access charge. |
| 0800 numbers | Free from UK landlines and personal mobile phones. |
Calls may be recorded for training and quality purposes.
FOS provide an online complaint form which can be accessed here:
| Web | https://help.financial-ombudsman.org.uk/help Link opens in a new window |
|---|
The Standards of Lending Practice
Virgin Money adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board. Find out more about the Lending Standards Board
What is our anti-bribery and corruption policy?
Virgin Money has a legal, moral and social responsibility to identify and deter anyone who wants to use our company to commit any sort of financial crime.
So we take a zero tolerance approach toward bribery and corruption. Under our Anti-Bribery and Corruption policy, we don’t allow the offering or receiving of any sort of bribe or corrupt payment. This applies to employees, agents, intermediaries, consultants, distributors, sub-contractors and suppliers working for us.
How to contact us?
You can contact us at:
Virgin Money,
Jubilee House,
Gosforth,
Newcastle upon Tyne
NE3 4PL
Contact email: info@virginmoney.com
To contact us by telephone please see the Contact us section of this site.
The VAT number of Clydesdale Bank PLC is 261377066.