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Club M comes bursting with benefits

If it’s the full package you’re after, look no further than Club M Account. It’s a step up from our award-winning M Plus Account*, with an exclusive linked saver, in-credit interest and Virgin group rewards as standard, plus four types of insurance benefits rolled into one.

Before you apply, take a look at all the insurance benefits, to make sure this account is right for you.

Apply now

*Rated 'Outstanding' by Moneyfacts® 2020/21

  • Things just got interesting Watch your money grow with in-credit interest on your current account and an exclusive linked savings account.
  • The account for the travel savvy Pack your suitcase and take flight with a contactless debit card and fee-free foreign spending. Plus, worldwide family multi-trip travel insurance including your own concierge service and 24-hour medical advice.
  • Your tech taken care of From phones to photography, a range of mobile and gadgets are covered worldwide.
  • UK breakdown cover for your car At home or on the road, you’ll keep moving no matter what.

A rich package of insurance benefits, plus rates you’ll relish

Club M Account


AER1 (2.00% gross1 per annum variable) on balances up to £1,000, interest paid monthly.

Linked to the Club M Saver


AER1 (0.35% gross1 per annum variable) on your savings balance, interest paid quarterly.

Monthly Fee


A Monthly Fee for Maintaining the Account

The choice is yours with our Brighter Money Bundle

Switch to our Club M Account and choose either a £150 Virgin Experience Day or a £150 luxury case of Virgin Wines. Terms apply.

Please drink responsibly.

Find out more about our latest current account switching offer. Current Account Switch Guarantee
The latest Brighter Money bundle.

Cover for the whole family

Worldwide Family Multi-Trip Travel Insurance
Multi-trip worldwide cover for you and your family, including winter sports, golf and weddings.
Travel extras
24 hour access to a doctor at home or abroad, plus a concierge service to make reservations, transfers or just ask a question.
Worldwide mobile & gadget insurance
Family cover for loss, theft and accidental damage to your phone and gadgets, including cameras, laptops, tablets and more.
UK breakdown cover
Vehicles rescued from roadside or your home. With Personal Cover, you’ll get help whether you’re a driver or a passenger.

The cover provided is subject to certain conditions and exclusions. For travel insurance some but not all pre-existing medical conditions are covered. It is important you read the full details before applying. You can view our Club M Account Insurance Policy Wording Link opens in a new window.

View all the insurances

Medical Cover Directory

Access to cover for customers with existing medical conditions

If AIG are unable to provide cover for your medical conditions, MoneyHelper has introduced a directory of travel insurance firms which can help consumers with existing medical conditions access travel insurance that covers their conditions. For example, this might include how you can get cover for a condition that may be currently excluded on your policy or where you are paying an additional premium to cover your medical condition(s).

If you would like further information, please visit Money Helper Link opens in a new window or call 0800 138 7777

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You might go charging around the world. We won't

Whether it's ice creams in Cancun or a snorkelling trip in St Lucia, we won't charge you to pay with plastic or take out cash, wherever you go. With no upper limit, the world's your oyster. Just look out for local ATM or currency conversion fees.

Unlock our Cash ISA Exclusives

Virgin Money Club M Account holders get access to our exclusive rates.

View our Cash ISA Exclusives

The serious bits

If you need one, use our calculator to find out exactly how much it will cost. Subject to status.

More about overdrafts
Rates and fees
See the rates and fees of this account and read our straight-up small print.

Rates and fees
We're all over your online transactions to make sure it's really you making them.

More about security
Protecting your money
Your eligible deposits with Virgin Money are covered up to £85,000 per person.
View the FSCS guarantee

Ready to apply?

New application?

Read a quick recap, then apply.

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Already started?

Pick up where you left off.

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Upgrade your existing account

If you already have a current account with us you might be able to upgrade to a Club M Account. Give us a call to discuss your options. If you want to open a second current account with us, you can apply directly online now.

0800 678 3654

Mon-Fri 8am-6pm and Sat 9am-1pm

Looking to switch?

It couldn't be easier. We manage everything from start to finish, and it’s all backed by the Current Account Switch Guarantee.

More on switching

Which account has your name on it?

This isn't the only current account we can offer you. To help you decide if it's the one for you, see how it stacks up against the others.

Compare accounts

[1] AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year. Gross rate interest payable without taking account of any tax payable. Credit interest is calculated daily on the cleared credit balance in your account.

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