Terms of use for our website

By using this website you agree to be bound by these terms.

In addition to these terms, this site is subject to the laws of the United Kingdom and the law that applies to these terms is the law that applies to where you reside.

If you are unsure what to do you should contact us for further information (see the "Contact us" section of this site).

Who are we?

We are the Virgin Money group of companies which provide a range of financial products:

Mortgages, Savings and Current Accounts

Mortgages, most savings accounts (including most ISAs) and Current Accounts are provided by Virgin Money plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered office: Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Registered in England and Wales number 6952311. Financial Services Register number 503963.

ISA

Some Virgin ISAs are promoted by Virgin Money Personal Financial Service Ltd and provided by Virgin Money Unit Trust Managers Ltd. Both companies are registered in England and Wales (Company numbers 3072766 and 3000482 respectively). Registered office: Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Authorised and regulated by the Financial Conduct Authority. You should check your terms and conditions of your ISA to work out your ISA provider.

Pension and Unit Trust

The Virgin Stakeholder Pension and Virgin Unit Trust are promoted by Virgin Money Personal Financial Service Ltd and provided by Virgin Money Unit Trust Managers Ltd. Both companies are registered in England and Wales (Company numbers 3072766 and 3000482 respectively). Registered office: Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Authorised and regulated by the Financial Conduct Authority.

Insurance

Virgin Money Home and Virgin Money Car Insurance are both promoted and arranged by Virgin Money Personal Financial Service Ltd and arranged and administered by Ageas Retail Limited. Virgin Money Personal Financial Service Ltd (Financial Services Register number 179271) and Ageas Retail Limited (Financial Services Register number 312468) are both authorised and regulated by the Financial Conduct Authority. Home Insurance is underwritten by Ageas Insurance Limited who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number 202039). Car Insurance is underwritten by an insurer selected from a panel.

Virgin Money Pet Insurance is promoted by Virgin Money Personal Financial Service Ltd and is underwritten by U K Insurance Ltd. Registered office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered in England and Wales number 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 202810.

Virgin Money Travel Insurance is promoted by Virgin Money Personal Financial Service Ltd and arranged by Insure & Go Insurance Services Ltd. Virgin Money Personal Financial Service Ltd and Insure & Go Insurance Services Ltd are authorised and regulated by the Financial Conduct Authority. Travel insurance is underwritten by MAPFRE Asistencia Compania International de Seguros y Reaseguros, Sociedad Anonima, trading as MAPFRE Assistance, which is authorised by Direccion General De Seguros y Fondos de Pensiones and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of regulation by the Financial Conduct Authority and Prudential Regulation Authority are available on request. MAPFRE UK Branch Registered Address: 5th floor, Alpha House, 24a Lime Street, London EC3M 7HJ. Company Number: FC021974. Branch Number: BR008042.

Virgin Life Insurance is promoted by Virgin Money plc and is provided and administered by Friends Life and Pensions Limited. Friends Life and Pensions Limited Registered Office - Pixham End, Dorking, Surrey RH4 1QA. An incorporated company limited by shares and registered in England and Wales, number 475201. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Register number 110414. Friends Life is a registered trademark of the Friends Life group. Virgin Money plc – Registered in England and Wales (Company No. 6952311). Registered Office – Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Virgin Atlantic Credit Cards

The Virgin Atlantic Credit Cards are issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services. American Express® is a registered trademark of the American Express company. MBNA Limited issue the MBNA American Express® Credit Card pursuant to a licence from American Express. Credit is available, subject to status, only to UK residents aged 18 or over. Calls, online and/or Smartphone sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.

Virgin Money plc is a credit broker/intermediary for Virgin Atlantic Credit Cards issued by MBNA Limited. Virgin Money plc is registered in England and Wales (Company No. 6952311). Registered office: Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Virgin Money plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. In the UK, Virgin Atlantic only offer credit cards provided by MBNA Limited.

Virgin Credit Cards (excluding Virgin Atlantic Credit Cards):

The Virgin Credit Card is issued by Virgin Money plc. Virgin Money plc is registered in England and Wales (Company No. 6952311). Registered office: Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 503963.

Calls, online and/or Smartphone sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations. Virgin Credit Cards were promoted by Virgin Money plc, acting as a credit intermediary.

The Lending Code

Virgin Money plc subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. The Lending Code sets minimum standards of good practice when dealing with certain customers in the UK in relation to loans, current account overdrafts, charge cards and credit cards.

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.

Travel Money

Virgin Money Travel Money is provided by Travelex Currency Services Limited on behalf of Virgin Money Personal Financial Service Ltd. Travelex Currency Services Limited is a company registered in England and Wales (Company Registration Number 03797356) with registered office at 4th Floor, Kings Place, 90 York Way, London, N1 9AG and is supervised by Her Majesty's Revenue & Customs. Virgin Money Personal Financial Service Ltd is a company registered in England and Wales (Company Registration Number 03072766) with registered office at Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL.

International Money Transfer

Virgin Money International Money Transfer is provided by World First UK Limited. Registered in England No. 05022388. Registered Office: Millbank Tower, 21-24 Millbank, London, SW1P 4QP. World First UK Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900508). Virgin Money International Money Transfer is promoted by Virgin Money Personal Financial Service Ltd. Registered in England No. 03072766. Registered Office: Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL. Authorised and regulated by the Financial Conduct Authority.

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) is prohibited.

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 £75,000 per person. For more information, please visit fscs.org.uk.

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:

Financial Ombudsman Service
Exchange Tower
London
E14 9SR.

Web: www.financial-ombudsman.org.uk Link opens in a new window 

Helpline:0800 023 4567 - Free for people phoning from a fixed line (for example, a landline at home) or 0300 123 9 123 - Free for mobile phone users who pay a monthly charge for calls to numbers starting 01 or 02.

FOS provide an online complaint form which can be accessed here:

https://help.financial-ombudsman.org.uk/help Link opens in a new window 

Online Dispute Resolution

The European Commission provides an online dispute resolution (ODR) platform which allows customers who purchased a product or service online to submit their complaint through a central site. The purpose of the site is to ensure those complaints are passed to the appropriate independent dispute resolution service.

If you feel that we haven’t been able to resolve your concerns, the appropriate service relating to Virgin Money is the Financial Ombudsman Service. You can either contact them directly using the details above or you can access the ODR platform here: http://ec.europa.eu/odr Link opens in a new window to submit your complaint.

You will need the following information about us to use the ODR platform:

Our name: Virgin Money

Our email: customerrelations@virginmoney.com

Our website address: www.virginmoney.com

Our geographic address: United Kingdom

The Lending Code

Virgin Money plc subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. The Lending Code sets minimum standards of good practice when dealing with certain customers in the UK in relation to loans, current account overdrafts, charge cards and credit cards.

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.

View our anti-bribery and corruption policy.

How to contact us?

You can contact us at:

Virgin Money plc,
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.

Virgin Money's Group VAT registration number is 665 5181 19