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Our most popular account comes with in-credit interest

Our award-winning M Plus Account* comes with in-credit interest and an exclusive linked saver that work beautifully together

You'll get selected rewards from across the Virgin group, a cocktail of account features and an innovative store network.

Switch it up with our hassle-free switching, guaranteed.

Apply now

*Rated 'Outstanding' by Moneyfacts®

  • In-credit interest Watch your money grow with in-credit interest on your current account and an exclusive linked savings account.
  • Get into our app Say yes to an app packed full of clever tools that help you track, budget, save and pay.
  • No fees for overseas No monthly fee to worry about, plus no fees when you use your card abroad.
  • When you need a little extra Arranged Overdraft - subject to status. Use our Overdraft Calculator to see the cost.

Things just got interesting...

M Plus Account


AER1 (2.00% gross1 per annum variable) on balances up to £1,000, interest paid monthly.

Linked to the M Plus Saver


AER1 (0.35% gross1 per annum variable) on your savings balance, interest paid quarterly.

Monthly Fee


No Monthly Fee for Maintaining the Account.

The choice is yours with our Brighter Money Bundle

Switch to our M Plus Account and choose either a £150 Virgin Experience Day or a £150 luxury case of Virgin Wines. Terms apply.

Please drink responsibly.

Find out more about our latest current account switching offer. Current Account Switch Guarantee
The latest Brighter Money bundle.

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

Take control of your money

With the Virgin Money app and Online Service.

Sign in securely
Use your face or fingerprint. Or prefer a passcode? 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.

The serious bits

If you need one, use our calculator to find out exactly how much it will cost. Subject to status.

More about overdrafts
Rates and fees
See the rates and fees of this account and read our straight-up small print.

Rates and fees
We're all over your online transactions to make sure it's really you making them.

More about security
Protecting your money
Your eligible deposits with Virgin Money are covered up to £85,000 per person.
View the FSCS guarantee

Is this the right account for you?

You're good to go if you can tick off this list;

Not for you? You should consider our M Account

View our M Account

Ready to apply?

New application?

Read a quick recap, then apply.

Apply now

Already started?

Pick up where you left off.

Continue application

Or try now, switch later?

If you like, you can open your M Plus Account now, and try it out. Then, when you're sure it's the one for you, switch your old current account to us.

More on switching

Which account has your name on it?

See how it stacks up against the others.

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

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.

Google and Google Pay are trademarks of Google LLC.