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For the super savers

Saving up for a holiday or just a rainy day? We'll boost your balance with our red-hot savings rates.

Fixed rate of:

5.05%

AER1 Tax-free3
Moneyfacts awards 2023 - Best Cash ISA Provider
Moneyfacts awards 2023 - Best Cash ISA Provider
Pay money in Within 30 days from product withdrawal Pay up to £20,000 in the current tax year. ISA Transfers in are accepted during this period.
Take money out Subject to a charge Equivalent to 60 days loss of interest on the amount withdrawn
Variable rate of:

4.76%

AER1 Tax-free3
Moneyfacts awards 2023 - Best Cash ISA Provider
Moneyfacts awards 2023 - Best Cash ISA Provider
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

A credit card offer for current account customers

Open a Virgin Atlantic Reward Credit Card, make a purchase in the first 90 days and earn 5,000 Virgin Points to put towards your next getaway. Terms apply2.

Representative 26.9% APR (variable).

View card offer

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

If you're 16 or over and we're not able to offer you one of our standard current accounts, our M Account may be a good option.

Important Information

From 1 August 2024 we will be reducing our Club M and M Plus Account rates from 2.02% AER1 (2.00% Gross1 per annum) to 1.00% (Gross1/AER1 per annum) on balances up to £1,000. If you opened an M, M Plus or Club M Account between 1 and 31 May 2024 and use the Current Account Switch Service to switch your current account from another provider including two direct debits by 26 June 2024, you’ll get: 10% Gross1/10.47% AER1 fixed rate bonus on balances up to £1,000 from 1 July 2024 to 30 June 2025. M Plus or Club M customers who qualify for the 10% bonus offer will receive an additional 1.00% Gross1/AER1 bonus on balances up to £1,000 Terms apply.

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

Footnote 2. Credit is available, subject to status, only to UK residents aged 18 or over. You can take up this offer if you have one of these Virgin Money Current Accounts: M Current Account, M Plus Current Account, Club M Current Account, Private Current Account, Current Account Tracker or Current Account Control. You can still take up the offer if you already have a Virgin Money Credit Card, unless it’s the Virgin Atlantic Reward Credit Card. This offer is available on an ongoing basis until we withdraw it. You must apply for our Virgin Atlantic Reward Credit Card. You’ll need to do this by either using the link from the email we send you or using the link available in our Current Account app. If you follow these terms and we accept your application for the Card, we’ll give you 5,000 bonus Virgin Points. All you need to do is make a purchase using your new Card within the first 90 days. There’s no minimum spend requirements. Full offer terms can be found here.

Footnote 3. The tax-free rate is the contractual rate of interest payable where interest is exempt from income tax.

Footnote 4. Interest rate of 2.02% AER (2.00% gross per annum variable) interest rate, paid monthly, on your M Plus Account balance up to £1,000. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year.

Footnote 5. Interest rate of 2.50% AER (2.48% gross per annum variable) on savings balances up to £25,000, and 2.00% AER (1.99% gross) on any balances above £25,000. Interest paid quarterly. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year.