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Have Club M, will travel. Our packaged account comes with added travel and insurance benefits to make your money go further. Join the club.

If it's the full package you're after, then look no further

Club M Account

2.02%

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

2.50%

Any money you move into your linked Club M Saver account will earn 2.50% AER1 (2.48% gross2 per annum variable) on savings balances up to £25,000, and 2.00% AER1 (1.99% gross2 per annum variable) on any balances above £25,000. Interest paid quarterly. 

Monthly Fee

£12.50

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. 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.
  • Unlock exclusive rates and offers on things like savings and mortgages. Discover the deals.
  • 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.
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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.
  • Breakdown cover - UK and European vehicle rescue day and night, to get you moving again
View insurance benefits

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. Anyone covered by the travel and mobile and gadget insurance benefits must live at the same address. For travel all children must be under 18 years old, and either be in full-time education or live at the same address. 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.

Get started

What kind of account do you want?

Have we met before?

If we have, great. Maybe you have an account with Clydesdale or Yorkshire Bank - or you already have a Virgin Money current account and you’re here for another. Well, we’re all one bank now, which means you can simply log on with your Online Banking details and get applying.

Have we met before?

If we have, great. Maybe you have an account with Clydesdale or Yorkshire Bank - or you already have a Virgin Money current account and you’re here for another. Well, we’re all one bank now, which means you can simply log on with your Online Banking details and get applying.

Continue a saved application

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.
Discover our app

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

Virgin Money Cashback

Money back in your hands when you shop with top brands

Discover Cashback

Protecting your money

Security
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
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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