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With our current accounts you can:

  • Fuel your wanderlust
    No feesWhen you're abroad, some cash machines might charge a fee. when you use your card abroad. Plus you can get cashback on Virgin Money Travel Insurance.
  • Make the most of your money
    Reach your savings goals with the help of a linked savings account. Get 2.25% AER(2.23% gross p.a. variable). Interest paid quarterly. on your balances up to £25,000. For balances over £25,000 you’ll get 1.75% AER.(1.74% gross p.a. variable). Interest paid quarterly.
And you can boost your balance with cashback from selected retailers. This rate applies from 16 June 2025. Until then, you'll earn 2.50% AER (2.48% gross per annum variable) on balances up to £25,000 and 2.00% AER (1.99% gross), on any balances above £25,000. Find out more about our rate change.
  • Live the good life
    Get exclusive rates from Virgin Hotels plus a chance to win surprises from our Virgin family when you follow us on socials.

Keep on scrolling to see more stuff our current account holders get access to.

View our current accounts

Is £25 music to your child’s ears?

Bag £25 for your child with our child bank account offer, for new customers aged 11 to 15. If you have an eligible current account with us, you can apply for the M Power Account. It’s a proper bank account that comes with a debit card and a nifty app. And, it’s all for free. Terms and conditions apply.

View M Power Account

Put your home in our hands

Exclusive mortgage rates through our Current Account Reward mortgages. First-time buyers, remortgagers and house-movers are all welcome.

View mortgage offer

Virgin Atlantic Reward+ Credit Card offer

Bag a whopping 30,000 Virgin Points. That's enough for flights to New York.

Representative 69.7% APR (variable).

Subject to status. You'll need to be 18+ and a UK resident. Terms and annual fee apply. Taxes, fees and carrier-imposed surcharges payable separately.

Virgin Atlantic Credit Card

Sweet dreams are made of this

Virgin Money customers can unlock a saving of up to 30% on stays at Virgin Hotels. Just click on the link below to head to the website, enter promo code VMFriends and show your Virgin Money card to grab this deal. Terms apply.

Book my stay

Terms

UK only. Flexible cancellation up to 24 hours prior to arrival. A credit card is required to secure the booking. Room only. Single room bookings only. Subject to availability. Cannot be used in conjunction with any other offer. Guests will need to show their Virgin Money debit card on arrival. Offer open to Personal and Business customers. This is valid on stays up to 31 July 2025. Terms apply.

And it doesn’t end there

We reward Virgin Money customers with cashback and access to Virgin Red. From time to time we also have other offers available. Check the 'Discover' section of the Virgin Money Mobile Banking app for more info.

Cashback on travel insurance

Planning a trip? You can get a sizzling 5% cashback on Virgin Money travel insurance.

Explore our travel insurance

Other cashback offers

Earn money while you spend with Virgin Money Cashback. Check the app for latest offers, and then watch your balance build.

View our cashback offers

Virgin Red

Turn the things you do already into Virgin Points. There are over 150 ways to rack up points and you can spend them on things like flights, gigs or nights away.

Explore Virgin Red

Apply for one of our accounts and unlock our exclusives

Everyday bank account

M Plus Account

No monthly fee for maintaining the account

Everything you'd expect from a current account, plus:

  • Exclusive access to other accounts, offers, cashback and more.
  • A linked saver account with 2.25% AER (2.23% gross p.a. variable) on balances up to £25,000. 1.75% AER (1.74% gross) on balances above £25,000. Interest paid quarterly. This rate applies from 16 June 2025. Until then, you'll earn 2.50% AER (2.48% gross per annum variable) on balances up to £25,000 and 2.00% AER (1.99% gross), on any balances above £25,000.
  • 1.00% AER (1.00% gross p.a. variable) on your current account balance up to £1,000. Interest paid monthly.
View M Plus Account

Packaged bank account

Club M Account

£12.50 monthly fee for maintaining the account

All the features of the M Plus Account, as well as:

  • Worldwide family multi-trip travel insurance.
  • Worldwide family mobile and gadget insurance.
  • UK and Europe breakdown cover.
View Club M Account

Basic bank
account

M Account

No monthly fee for maintaining the account

Great if you have little, poor, or no credit history

  • It's the same as our M Plus Account, but you won't get interest paid on your current account balance. We also won't be able to offer you an overdraft or a cheque book.
  • Open this account with non-standard ID.
  • You can only apply by phone or in Branch.
View M Account