Banking built for tradespeople

Your Business Debit Card linked to your business current account will be enrolled in this programme automatically, but if you want to opt out you can. Terms apply to Cashback which you accept by continuing to use your card. Here are the terms you need to know:

• If you’re an M Account for Business customer, you’ll earn 0.25% Cashback with no cap. You will earn 0.50% cashback with no cap when you use your debit card at qualifying trade and home improvement stores.
• The Cashback doesn’t come from the retailers that you buy things from, it comes from Virgin Money as a benefit of using your Debit Card. We add the Cashback credit monthly to your business account.

Each Debit Card will be automatically enrolled – you don’t need to do anything.

Should you not wish to receive this Cashback benefit, you can opt out by contacting us:

• Via Secure Chat on Business Internet Banking, you can reach us 8am-8pm Monday to Friday and 9am to 2pm Saturday
• Call us on 0800 756 0800, between 8am to 6pm, Monday to Friday  
• You'll need your Debit Card handy when you get in touch

If we send you a new Debit Card it will automatically be registered for Cashback. You'll need to opt out again if you don't want your replacement Debit Card to be enrolled for Cashback.

Any additional cardholders linked to your business current account will earn Cashback (you can have up to 8 additional Debit Cards on your business current account). They'll need to be opted out individually if you do not wish to receive the Cashback benefits.

Not all Debit Card transactions are eligible for Cashback. Some exclusions do apply like payments which are then cancelled, reversed or refunded, transactions with gambling businesses, any tax related payments, payments made via a third party payment service provider and money transfers. We can change the list of exclusions from time to time, without notice. Business debit card list of exclusions.

This Cashback benefit is linked to your business current account and is a standalone programme. However, if eligible, you may receive other benefits from using your Debit Card as part of Virgin Money’s Mastercard Business Savings programme.

The Cashback will normally be credited to your business current account by the 15th of the month following spend, but sometimes it might be earlier or later.

Your new Debit Card(s) will be automatically enrolled for Cashback after your old one is cancelled. Any Cashback earned but not already paid on a lost card will be lost.

If you close your account and your Debit Card(s) is (are) cancelled, then you'll lose any Cashback earned but not already paid.

If we cancel your Debit Card(s) then you will lose any Cashback earned but not already paid. 

We can withdraw this offer and/or change the terms relating to Cashback (including the rate paid, the exclusions and the cap) at any time. You may not receive notice of this and any unpaid Cashback may be lost.

What’s covered

• Damage or smashed screen from an accident. Not including cosmetic damage like scratches and dents which doesn't affect the functionality of your device.
• Liquid damage.
• Theft - Optional.
• Covered Worldwide as standard.
• Mechanical breakdown (once the manufacturer's warranty has run out).
• Unlimited repairs.
• 2 replacements per year, per item.
• Unauthorised network charges up to a maximum of £10,000.
• Loss cover for just £1.50 per item, per month.

What’s not covered

• Loss cover is not available for laptops, MacBooks, desktop PCs or PC monitors.
• Failure to look after your device. We expect you to take reasonable precautions to keep your gadgets safe from theft, loss, and damage.
• Replacement or repaired devices being sent beyond the UK. Replacements and repaired items can only be sent to UK addresses.
• Mechanical breakdown within the manufacturer's warranty. The manufacturer can help you with device issues when under warranty.
• More than 2 replacements in a 12-month period for each insured item.
• Cosmetic damage that doesn't affect the functionality of your device, like surface scratches and dents.

Protect Your Bubble 20% off insuring new phones offer (auto applied for valid devices)

New mobile device, cheaper price!



If you have purchased your mobile phone in the last 30 days you will get a 20% discount off insuring that device.

And the best bit….. You don’t need to do anything the discount will be automatically applied at the checkout for eligible phones.

This offer is only valid when insuring two items or less but it can be used in conjunction with the Virgin Money promo code, quid's in!

Terms and conditions apply. Enro Ltd t/a Superscript is authorised and regulated by the Financial Conduct Authority.

Business Breakdown cover levels:

Standard

• 24/7 road side assistance
• 10 mile recovery in the event the vehicle can’t be repaired at the roadside
• Unlimited callouts
• Cover at home

National

• 24/7 road side assistance
• National recovery to a destination of your choice if your vehicle can’t be fixed locally
• Unlimited callouts
• Replacement vehicle for up to 48 hours
• Cover at home

National + European

• 24/7 road side assistance
• National recovery to a destination of your choice
• Unlimited callouts
• Replacement vehicle for up to 48 hours
• Cover at home
• Cover for multiple trips to Europe including Eire and Channel Islands for a total of 90 days in the annual policy

Your vehicle must meet these criteria:

• It's either a car, light van, motorhome or motorbike
• It's privately or commercially registered in the UK
• There aren't more people in it than the manufacturer would recommend, or more than nine altogether including the driver
• It can't weigh more than 4 metric tonnes (4,000kg) in total, including any load carried
• It can't be more than 7 metres long (apart from a tow bar or coupling device), 3 metres tall and 2.55 metres wide
• It's been serviced, looked after and used as recommended by the manufacturer
• At the time of breakdown it’s got valid road tax and MOT and meets any legal requirements and driving laws that apply
• It must be fit to drive when you take out the policy and at the start of each journey
• It's never used to carry things or people for money. For example, as a courier service or taxi

For more information, please take a look at the Green Flag Business breakdown policy booklet Link opens in a new window

Green Flag Business Breakdown Cover is underwritten by U K Insurance Limited, (‘UKI’). U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Who can take part?

• You need to have opened a new Virgin Money M Account for Business Trades between 10:00 on Thursday 5th June 2025 and 23:59 on Friday 31st October 2025.

How do you take part?

• You will receive an email from Virgin Money within seven days of opening your account containing a unique code and directing you to www.m-account-freecoffee.co.uk to register
• You must enter your unique code, name and email address within 30 days of receiving it
• Once registered, you will receive an email containing a unique link to claim your first £4 Costa Coffee eGift card
• Once you click on the unique link you will be directed to a page to claim your Costa Coffee eGift card. You will then receive an email containing a unique link to Prezzee UK to download your Costa Coffee eGift card.
• You must access the same link every month to claim all 12 Costa Coffee eGift cards (only 1 per 30 days)
• The Costa Coffee eGift card will contain a QR code which you can use in-store at point of purchase to receive £4 off your in-store purchase
• There are 1,000 unique codes available. Once they’re gone, they’re gone.

Who will receive the gift?

• Costa Coffee eGift cards will be awarded on a first come first served basis. As long as you qualify for the eGift card, you’ll receive it as set out above.
• One offer per customer, even if you open more than one M Account for Business Trades

What is the gift?

• This gift is 1 x £4 Costa Coffee eGift card every 30 days for 12 months. 12 x £4 Costa Coffee eGift cards in total.
• If you receive the gift, you can't change it for anything else, including cash. Also, you can’t give your gift to anyone else (…why would you want to?!).

What else do you need to know?

• It is your responsibility to claim your 1 x £4 Costa Coffee eGift card every 30 days. Any eGift cards that are unclaimed after 30 days will be lost and cannot be reissued. We’ll use your personal information to help us run this promotion. You can find out more about how we use your personal information at https://uk.virginmoney.com/security/
• The Costa Coffee eGift card is subject to Costa Coffee’s full terms and conditions. Link opens in a new window, including non-participating venues.
• Only English law applies to this promotion
• If something goes wrong, we’ll try to fix it. If we can’t because it’s something we can’t reasonably control, or it’s not our fault, then we may have to make changes to this promotion. This includes suspending or ending it early. We can make such changes without giving you notice. However, we’ll try our best to avoid making changes. And we’ll try to minimise any disappointment to you when we make changes.
• On the odd occasion, disputes happen in relation to promotions. We really hope to avoid them! If any problems come up, we will try to resolve them quickly. We’ll make the final decision in relation to any issues relating to the running of this promotion.

Who are we?

• Promoter: We like to call ourselves Virgin Money but our official name is Clydesdale Bank PLC
• We’re registered in Scotland at 177 Bothwell Street, Glasgow, G2 7ER
• Our company number is SC001111
• Administrator: TLC Worldwide UK Limited, 54 Baker Street, London, W1U 7BU

Costa Coffee eGift Card Terms & Conditions

• The first 1,000 eligible customers will have access to 12 x £4 Costa Coffee eGift cards
• Each Costa Coffee eGift card is worth £4. Costa Coffee eGift cards can be redeemed at participating Costa Coffee stores in Great Britain.
• Each Costa Coffee eGift card will expire after 30 days. If you do not spend the entire balance on the card within the 30 day period, the remaining balance will be lost. When spent in store, the remaining balance is shown on your printed till receipt.
• eGift cards cannot be stacked and a maximum of £4 can be used at any one time
• The Costa Coffee eGift card is not for re-sale, has no cash value, cannot be auctioned or exchanged and is not transferable or redeemable for cash. The Costa Coffee eGift card cannot be used in conjunction with any other offers or discounts. Unused, expired and redeemed Costa Coffee eGift cards cannot be refunded, exchanged or returned. See full terms and conditions here. Link opens in a new window
• The Costa Coffee eGift cards cannot be used at Costa Coffee Express locations, Costa Coffee ‘Proud to Serve’ locations or in Northern Ireland. The Costa Coffee eGift cards can be used at participating Costa Coffee outlets in England, Scotland and Wales.
• They may be used to purchase goods of a higher price than the amount on the Costa Coffee eGift card, on payment of the difference
• Cannot be exchanged for cash or used to pay for Costa Coffee retail products or outstanding card balances, to buy another gift card, eGift card, or to pay Clearpay instalments
• Cannot be returned or refunded, except in accordance with your statutory rights, for example in the event they are not of satisfactory quality
• See full terms and conditions here. Link opens in a new window