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What is the Current Account Switch Guarantee?

Looking for simple, reliable and stress-free switching? The Current Account Switch Service means we'll do all the hard work.

  • We'll switch your payments and balance to your new account and arrange for your old one to be closed.
  • After your switch, we'll send any money paid into your old account to your new one.
  • You're covered by the Current Account Switch Guarantee which means you'll never be out of pocket if anything goes wrong.
Read the full Current Account Switch Guarantee Link opens in a new window

Ready, set, switch

It's easy and straightforward to change bank accounts. You can switch at any time in the mobile app after opening your account.

  1. Check your personal information with your old bank matches what we have (name, address etc).
  2. Give us your old account debit card details and pick a switch date.
  3. That's it! Sit back and we'll do all the hard work. It'll take seven working days to complete the switch.
Read our guide to switching Link opens in a new window

New to Virgin Money?

If you're new to Virgin Money and looking to switch, you'll need to open a current account first. We're all about rewarding our customers with high interest rates, cashback, exclusive access to products - and so much more!

View our current accounts

Switching banks offers and incentives

Switching current accounts to Virgin Money comes with plenty of perks - for example our M Plus Account is a high-interest current account with a linked savings account and cashback rewards.

Got a joint account?

If you want to switch your joint account, give us a call on 0800 678 3654 or +44 141 221 7300 if you're abroad. We're here Monday to Friday 8am - 6pm and Saturday 9am - 1pm. Calls may be recorded for training and quality purposes.

Start your switch today

  1. Open your Virgin Money app
  2. Tap on your current account
  3. Tap on the three dots (top right)
  4. Tap Switch to Virgin Money

Don't have the app? Download our app to switch


If you're using the overdraft on your old account, you'll need to pay the money back or arrange an overdraft limit with us (subject to status) before your switch starts. Otherwise, your old account can't be closed.

Request an arranged overdraft

Third Party Providers

If you have given permissions to Third Party Providers to make payments on your behalf, or to access your financial data, access to these services won't be transferred automatically to your new account as part of the Current Account Switch Service.

Things to consider before you switch

Switching FAQs

The switch will take seven working days. You choose a date you want the switch to happen. It needs to be at least seven working days in the future.

We’ll transfer over all direct debits. If you have subscriptions like Amazon Prime or Netflix set up using your debit card, you'll need to change the details yourself.

Your old account will be closed. You won’t have access to the account anymore so make sure to download any statements you may need.

No problem. The Current Account Switch Guarantee will catch this and move the money into your new Virgin Money account. We’ll also let that payee know that your account details have changed.

The easiest way to switch is to download the app. If you have to switch online, you'll need to select 'continue application'.

Continue application to switch online

That’s fine. If you only want to move some of your payments across you can use the Payment Transfer Service, which isn’t covered by the Current Account Switch Guarantee.

  • Your old account will stay open, and anyone making payments to it won’t receive details of your new current account.
  • Your Direct Debits and Standing Orders will be transferred to your new account over a three month period – either all on the same date, or at different times.