Breaking news! We’re boosting our Club M Saver rate to 3.03% AER3 (variable) from 1 June 2023 for new and existing current account customers.
If it's the full package you're after, then look no further
Club M Account
Feast on a 2.02% AER1 (2.00% gross2 per annum variable) interest rate, paid monthly, on your Club M Account balance up to £1,000.
Linked to the Club M Saver
Any money you move into your linked Club M Saver account will earn 2.52% AER1 (2.50% gross2 per annum variable) on savings balances up to £25,000, and 2.02% AER1 (2.00% gross2 per annum variable) on any balances above £25,000. Interest paid quarterly.
Good news! From 1 June 2023 we will be increasing our rate to 3.03% AER1(variable). (3.00% gross2 per annum variable) on savings balances up to £25,000 and 2.52% AER1 (2.50% gross2) on any balances above £25,000. Interest paid quarterly.
There is a £12.50 monthly fee for maintaining the Club M Account insurance benefits.
Club M comes bursting with benefits
Our Club M Account is a step up from our award-winning M Plus Account - rated "Outstanding" by Moneyfacts® 2020/21. You'll get all the features and rewards from our M Plus Account, plus a rich package of insurance benefits.
- Take control with our Virgin Money App and Online Service - packed full of clever tools that help you track, budget, save and pay.
- No fees when you travel - we won't charge you for spending on your card or withdrawing cash when you're abroad.
- Over 32 million places worldwide welcome your contactless debit card, and it comes ready for Apple Pay and Google Pay.
- An Arranged Overdraft for when you need a little extra - subject to status. Use our Overdraft Calculator Link opens in a new window to see the cost.
Insurance cover for the things you love
- Worldwide family multi-trip travel insurance - including winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad. And, a concierge service to make reservations, transfers or just ask a question.
- Worldwide family mobile & gadget insurance for loss, theft and accidental damage - including cameras, laptops, tablets and more.
- UK breakdown cover - vehicle rescue day and night, you’ll get help whether you’re the driver or a passenger.
Our cover is subject to certain conditions and exclusions. Before you apply, take a look at all the insurance benefits, to make sure this account is right for you. Please read our Club M Account Insurance Policy Wording Link opens in a new window.
Just remember, if you’re looking for travel insurance without all the benefits of the Club M account then view our travel insurance page.
What kind of account do you want?
Take control of your money
With the Virgin Money App and Online Service.
- Sign in securely
- Use your face or fingerprint. Or prefer a postcode? That's fine.
- Master your money
- View transactions and sort your spending by category.
- Save savvily
- Set aside money for those must haves, with Savings Pots.
Currently you can only manage your account with us face to face in a few of our stores. Learn more Link opens in a new window.
Spend all over
Over 32 million places worldwide welcome your card - just look for the Mastercard® logo. You can also use it to withdraw cash (subject to account balance).
Your card comes ready for Apple Pay and Google Pay, making it even easier to pay for things.Pay with apple Link opens in a new window Pay with google Link opens in a new window
Protecting your money
- We're all over your online transactions to make sure it's really you making them.
More about security
- FSCS guarantee
- Your eligible deposits with Virgin Money are covered up to £85,000 per person.
View the FSCS guarantee
- Current Account Switch Guarantee
- It's easy to use our switching service, and it's all backed by the Current Account Switch Guarantee.
More on switching
- HooYu ID checks
- Identification checks are completely safe and secure thanks to our trusted ID verification partner HooYu.
More on Hooyu
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 our others.Compare accounts