Following Court approval on 23 February 2026, Virgin Money’s business is expected to become part of Nationwide on 2 April 2026. These changes could impact your protection under the Financial Services Compensation Scheme (FSCS).
Say hello to our current accounts
Moneyfacts 5 star product rating applies to M Plus Account and Club M Account only.
Everyday bank account
M Plus Account
Our most popular account. It comes with a free linked savings account, access to exclusives and more.
No monthly fee for maintaining the account
Packaged bank account
Club M Account
All the features of our everyday bank account. Plus worldwide family multi-trip travel, mobile and gadget insurance. And UK and European breakdown cover.
£14.00 monthly fee for maintaining the account
Basic bank account
M Account
Great if you have little or no credit history, or non-standard ID. Or you don't qualify for one of our other accounts.
No monthly fee for maintaining the account
Exclusive offers
Open one of our current accounts and get access to exclusive accounts and offers
Current account FAQs
Can I open a bank account online?
Yes, you can open a bank account online or by downloading our app. Simply choose an account and click "Get started".
What do I need to open a bank account?
You'll need to be over 18 and living in the UK. Over 16s can open an account in Branch.
You'll need your phone and ID (such as drivers license) to run through some verification checks.
We'll also ask some generic questions about your income and recent addresses.
What is a current account?
A current account is a bank account that you can put your money into to keep it safe.
Your income or salary is usually paid into your current account. A current account usually comes with a debit card that you can use for spending.
Many current accounts like those at Virgin Money come with extras. These extras can be things like interest on your balance, an app, cashback on your spending, and more.
Is a debit card a current account?
A debit card is a card you get when you open a current account. You can use the debit card in a shop or online to pay for goods and services.
You can now add your debit card to the Wallet in your phone with Apple Pay or Google Pay. You can then use your phone to make secure payments in apps, on the web, and in shops.
More current account FAQs
iOS 14.7 or above
Android 8.0 or above
Your money in your hands
You can manage your account in the app or online. It's packed with super-smart tools to put you in control of your cash.
Android 8.0 or above
Your money in your hands
You can manage your account in the app or online. It's packed with super-smart tools to put you in control of your cash.
iOS 14.7 or above
Your money in your hands
You can manage your account in the app or online. It's packed with super-smart tools to put you in control of your cash.
Service to make you smile
We’re here to help you with your money. If you need us, please get in touch.
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Independent service quality survey results
Personal Current Accounts - published February 2026
As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family.
The results represent the view of customers who took part in the survey.
View the full set of resultsOverall service quality
We asked customers how likely they would be to recommend their personal current account provider to friends and family.
Ranking
Overall service quality - Published February 2026.
Authorised push payment (APP) scams ranking
Authorised push payment (APP) scams happen when someone is tricked into transferring money to a fraudster’s bank account.
Information about Virgin Money’s performance prior to the introduction of the reimbursement requirement in October 2024 can be found in PSR’s latest APP Scams Performance Reportopens in new window Link opens in a new window published in February 2026.
Worried about APP scams? Visit our authorised push payment (APP) scams page to learn how to spot and avoid them.