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What is an all round credit card?

All Round Credit Cards give you the best of both worlds – low introductory interest rates on balance transfers and on whatever you spend. Handy if you’ve got things to buy, but you also want to pay off existing debts at a lower rate.

With any new card, it’s important to know:

  • How long will the promotional rate last?
  • Will you save money over the promotional period?
  • What is the standard interest rate after your promotional period ends?
  • You’ll need to make your minimum payment when it’s due. If you don’t, we’ll stop your promotional rate (from the start of that statement period). So it’s worth setting up a Direct Debit to meet your monthly repayment.
  • When your promotional rate ends or we stop it, we’ll charge you the current standard interest rate.

A balance transfer allows you to move part or all of the balance of another credit card or store card to your Virgin Money Credit Card. If you have existing high interest credit or store cards, transferring any outstanding balances to your Virgin Money Credit Card could save you money (fees apply). You will not be able to transfer a balance from another Virgin Money, Clydesdale Bank, Yorkshire Bank or B credit card and you cannot use your card to repay a loan, overdraft or mortgage issued by Clydesdale Bank PLC.

Transferring other debts to this card and paying only the minimum amount due each month may lower your overall monthly debt repayments, but it may take longer and cost you more to repay what you owe. Other lenders may charge a fee for settling a loan early.

A money transfer is a feature of the Virgin Money Credit Card. It allows you to transfer funds straight into your bank or building society account.

Whether you want to transfer funds to pay off an overdraft with a higher interest rate, or free up some money for home improvements, you can transfer money from your Virgin Money Credit Card directly into your own bank or building society account.

A transaction fee may apply and you will need to request your money transfer within the first 60 days of opening your account to receive the introductory promotional offer.

Transferring funds from this card and paying only the minimum payment amount due each month may lower your overall monthly debt repayments, but it may take you longer and cost you more to repay what you owe. Other lenders may charge a fee for settling a loan early.

It's easy to apply, and we’ll let you know if your transfer request has been approved as soon as possible.

If you apply as part of your credit card application and we approve, we’ll get the money to your existing credit card provider three to four business days after you ask for the transfer.

You can also apply to make a transfer once your account is up and running. If you ask for the transfer:

  • Before 4pm, Sunday to Thursday, we’ll get the money to your existing credit card provider the next business day.
  • After 4pm, Sunday to Wednesday, we’ll get the money to your existing credit card provider in two business days.
  • Between 4pm Thursday and 12am Sunday, we’ll get the money to your existing credit card provider the following Monday (excluding Bank Holidays).

Remember, you’ll need to continue making payments on your existing card until your transfer’s all sorted.

Check your eligibility

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Fancy a chat?

Our credit card team is here to answer your questions, talk through your needs and help you through the process.

New customers

0800 389 2875

Opening times

8am – 6pm Monday to Friday and 9am - 1pm Saturday

0800 633 5045

Opening times

24 hours a day, 7 days a week

Existing customers

0800 011 3210

Opening times

24 hours a day, 7 days a week

0800 011 3210

Opening times

24 hours a day, 7 days a week

Text BAL, TRAN or BILL plus the last 4 digits of your card (eg.BAL1234) to 88300

Opening times

24 hours a day, 7 days a week

+44 191 284 9005

Opening times

24 hours a day, 7 days a week

18001 0800 011 3210 (UK only)

Telecommunications assistance for the deaf.

Opening times

24 hours a day, 7 days a week

For any queries relating to our current offer please contact:

0800 011 3210

Details of our current offers can be found here.

Opening times

24 hours a day, 7 days a week

NumberCost
03 numbersSame as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
084 numbersMaximum of 7p per minute, plus your phone company's access charge.
087 numbersMaximum of 13p per minute, plus your phone company's access charge.
0800 numbersFree from UK landlines and personal mobile phones.

You’ll need to make your minimum payment when it’s due. If you don’t, we’ll stop your promotional rate (from the start of that statement period). So it’s worth setting up a Direct Debit to meet your monthly repayment.

You will not be able to transfer a balance from another Virgin Money, Clydesdale Bank, Yorkshire Bank or B credit card and should not use your card to repay other borrowing from Clydesdale Bank PLC.

Credit is available, subject to status, only to UK residents aged 18 or over.

Calls are charged at your service provider’s prevailing rate and may be monitored and recorded.

The Virgin Money Credit Card is issued by Clydesdale Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 30 St Vincent Place, Glasgow, G1 2HL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Virgin Money adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board: www.lendingstandardsboard.org.ukLink opens in a new window

Your copy of the Statement of Lender and Borrower Responsibilities PDF opens in a new window Link opens in a new window