- Step 1: About you % complete
- Step 2: Address
- Step 3: Employment & income
- Step 4: About this check
Bringing Nationwide and Virgin Money together
Following Court approval on 23 February 2026, Virgin Money's business is expected to become part of Nationwide on 2 April 2026. We will be unable to complete balance transfers to Nationwide on or after 2 April 2026. If you are applying for a balance transfer, please do this before this date.
Understand what this means for you Link opens in a new windowTo apply for a Virgin Money credit card you need to:
- Be a UK resident aged 18+ (the same goes for any additional cardholders you want to add)
- Have a UK bank or building society account
- Have a personal income of at least £7,000 per year before tax and pass our affordability checks
You'll need a smartphone with iOS 14.7 or Android 8 installed. Without this, you won't be able to manage your credit card using the Virgin Money Credit Card app Link opens in a new window