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For the super savers

Saving up for a holiday or just a rainy day? Terms and conditions apply.

M Access ISA

EXCLUSIVE ACCOUNT
Variable rate of:

3.25%

AER1 Tax-free3
Pay money in At any time Pay up to £20,000 in the current tax year. ISA transfers in are accepted at anytime
Take money out At any time
Open to eligible current account holders A current account with Virgin Money. For example, an M Plus Account, M Account, or Club M Account. You can’t apply if you have an 'Essential Current Account' or a 'Virgin Money Current Account'
View account

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

Peace of mind that pays

Get £30 or £60 cashback when you buy a Family and Lifestyle Life Insurance policy. To get the offer:

  • Apply directly on our website.
  • You’ll need to pay by Direct Debit from a Virgin Money personal current account that’s registered for cashback.
  • You’ll get £30 cashback on monthly premiums from £5 to £29.99, or £60 cashback on monthly premiums of £30 or more.
  • Cashback will land in your account up to 35 days after 3 monthly premiums have been paid.

View life insurance

Not registered for cashback?

Head to the Virgin Money Banking app, go to the Discover section in the main menu and select Virgin Money Cashback.

Terms

Terms apply, see app for full details. When choosing life insurance, make sure the cover suits your needs.

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 December 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

Get 5% cashback on Virgin Money Travel Insurance when buying with your cashback registered Virgin Money debit or credit card. See terms in the Virgin Money Mobile Banking App.

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 2.00% AER (1.99% gross p.a. variable) on balances up to £25,000. 1.50% AER (1.49% gross) on balances above £25,000. Interest paid quarterly.
  • 1.00% AER on your current account balance up to £1,000. Interest paid monthly.
View M Plus Account

Packaged bank account

Club M Account

£12.50 (increasing to £14.00 from 1 February 2026) 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