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Who are we?

We are a group of companies which provide a range of financial products:

Mortgages, Personal Loans, Savings and Current Accounts

Mortgages, Personal Loans, most savings accounts (including most ISAs) and Current Accounts are provided by Clydesdale Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 30 St Vincent Place, Glasgow, G1 2HL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 121873.

ISA

Virgin Money Cash ISAs are provided by Clydesdale Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 30 St Vincent Place, Glasgow, G1 2HL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 121873.

The Virgin Money Stocks and Shares ISA is provided by Virgin Money Unit Trust Managers Limited (the ISA manager). Registered in England and Wales (Company number 3000482). Registered Office - Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Authorised and regulated by the Financial Conduct Authority.

Pension and Unit Trust

The Virgin Stakeholder Pension and Virgin Unit Trust are provided by Virgin Money Unit Trust Managers Ltd. Registered in England and Wales (Company number 3000482). Registered Office - Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Authorised and regulated by the Financial Conduct Authority.

Life Insurance

Virgin Money Life Insurance is promoted by Virgin Money Personal Financial Service Ltd and arranged and administered by BISL Limited. Virgin Money Personal Financial Service Ltd registered in England and Wales (company no. 3072766). Registered office Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. BISL Limited registered in England and Wales (company no. 3231094). Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Virgin Money Personal Financial Service Ltd and BISL Limited are authorised and regulated by the Financial Conduct Authority.

Travel Insurance

Virgin Money Travel Insurance is promoted by CYB Intermediaries Ltd, registered at Jubilee House, Gosforth, NE3 4PL (Company No: 04056283) who is authorised and regulated by the Financial Conduct Authority under Financial Services Register no. 305065 and administered by Hood Travel Limited, registered in England No. 08318836 at 52/54 Alexandra Street, Southend-on-Sea, Essex, SS1 1BJ. Hood Travel Limited is authorised and regulated by the Financial Conduct Authority under Financial Services Register no. 597211. The core elements of Virgin Money Travel Insurance are underwritten by ERGO Travel Insurance Services Ltd (ETI) on behalf of Great Lakes Insurance SE (GLISE). The Underwriter is Great Lakes Insurance SE (GLISE). GLISE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London, EC3M 5BN, company number SE000083. GLISE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Firm Reference Number: 769884. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

Home Insurance

Virgin Money Home Insurance is promoted by CYB Intermediaries Ltd, registered at Jubilee House, Gosforth, NE3 4PL (Company No: 04056283) who is authorised and regulated by the Financial Conduct Authority under Financial Services Register No. 305065 and administered and underwritten by Royal & Sun Alliance Insurance Ltd. (RSA) (Company No. 93792). RSA is registered in England & Wales at St Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Financial Services Register No. 202323.

Virgin Atlantic Credit Cards

The Virgin Atlantic Credit Card is issued by Clydesdale Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 30 St Vincent Place, Glasgow, G1 2HL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 121873.

Virgin Atlantic Airways is an appointed representative of Clydesdale Bank PLC (trading as Virgin Money).

Virgin Money Credit Cards (excluding Virgin Atlantic Credit Cards)

The Virgin Money Credit Card is issued by Clydesdale Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 30 St Vincent Place, Glasgow, G1 2HL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 121873.

Prepaid Cards

The Virgin Prepaid Mastercard® card is issued by PrePay Technologies Ltd pursuant to license by Mastercard International Incorporated. This card is an electronic money product. PrePay Technologies Ltd is authorised and regulated by the Financial Conduct Authority for the issuance of electronic money (FRN: 900010). Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

Travel Money

Virgin Money Travel Money is provided by Travelex Currency Services Limited on behalf of Virgin Money Personal Financial Service Ltd. Travelex Currency Services Limited is a company registered in England and Wales (Company Registration Number 03797356) with registered office at 4th Floor, Kings Place, 90 York Way, London, N1 9AG and is supervised by Her Majesty's Revenue & Customs. Virgin Money Personal Financial Service Ltd is a company registered in England and Wales (Company Registration Number 03072766) with registered office at Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL.

International Money Transfer

Virgin Money International Money Transfer is provided by World First UK Limited. Registered in England No. 05022388. Registered Office: Millbank Tower, 21-24 Millbank, London, SW1P 4QP. World First UK Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900508). Virgin Money International Money Transfer is promoted by Virgin Money Personal Financial Service Ltd. Registered in England No. 03072766. Registered Office: Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL. Authorised and regulated by the Financial Conduct Authority.

Who is this website for?

This website is intended only for UK residents.

This site is subject to copyright with all rights reserved and the information is for your personal use only. Re-publication, retransmission, reproduction or other uses of any images on the site (with the exception of images provided on our picture gallery Link opens in a new window) is prohibited.

You may not link any other website to this site without Virgin Money's prior written consent.

Will we change these terms or any products?

Virgin Money reserves the right to amend these terms and conditions of use at any time. Please check for updates from time to time.

Virgin Money may withdraw this website and withdraw or change any of its products or services at any time.

Is it just information we provide?

Yes. This website should not be relied upon for advice; it is for information only. If you need financial advice you should contact a financial advisor.

What other information do you need?

Financial Services Compensation Scheme (FSCS)

Important information about compensation arrangements

Financial Services Compensation Scheme can pay compensation to customers if they are eligible and a regulated firm is unable to pay claims against it, usually if the firm stops trading or is insolvent. Compensation limits apply depending on the type of claim. For deposits that are held in a UK bank, the Scheme will cover up to £85,000 per person. For more information, please visit fscs.org.uk. Link opens in a new window

Virgin Money will try to resolve any complaint with you. If we are unable to resolve any complaint, you can refer it to the Financial Ombudsman Service scheme, which provides for independent adjudication at:

Address

Financial Ombudsman Service, Exchange Tower, London, E14 9SR.

Webwww.financial-ombudsman.org.uk Link opens in a new window
Helpline0800 023 4567
Phone numberCall charges and information
03 numbersSame as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
084 numbersMaximum of 7p per minute, plus your phone company's access charge.
087 numbersMaximum of 13p per minute, plus your phone company's access charge.
0800 numbersFree from UK landlines and personal mobile phones.

Calls may be recorded for training and quality purposes.

FOS provide an online complaint form which can be accessed here:

Webhttps://help.financial-ombudsman.org.uk/help Link opens in a new window

The Standards of Lending Practice

Virgin Money adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board. Find out more about the Lending Standards Board

What is our anti-bribery and corruption policy?

Virgin Money has a legal, moral and social responsibility to identify and deter anyone who wants to use our company to commit any sort of financial crime.

So we take a zero tolerance approach toward bribery and corruption. Under our Anti-Bribery and Corruption policy, we don’t allow the offering or receiving of any sort of bribe or corrupt payment. This applies to employees, agents, intermediaries, consultants, distributors, sub-contractors and suppliers working for us.

View our anti-bribery and corruption policy

How to contact us?

You can contact us at:

Virgin Money,
Jubilee House,
Gosforth,
Newcastle upon Tyne
NE3 4PL

Contact email: info@virginmoney.com

To contact us by telephone please see the Contact us section of this site.

The VAT number of Clydesdale Bank PLC is 261377066.