If you were a Virgin Money or Virgin Atlantic Credit Card customer on 2 April 2026
In October 2024, Virgin Money and Nationwide Building Society became part of the same group.
Following Court approval on 23 February 2026, Virgin Money's business transferred to Nationwide on 2 April 2026.
The transfer of Virgin Money’s business to Nationwide was a key step in combining the two businesses, working for the benefit of our customers and members to create a mutually owned, full-service organisation.
The transfer hasn’t changed your day-to-day banking, and you can continue to manage your credit card account(s) in the same way as you did before the transfer. There are no changes to your 16-digit credit card number, your PIN, or any account features including any promotional rate(s) on your account. You can also carry on using the same sign-in details when you log into the Virgin Money Credit Card app.
There are no changes to your Terms as a result of the transfer, including your limit, minimum payment and interest rate. The only change is that your card provider is now Nationwide as of 2 April 2026, not Virgin Money.
As we continue to bring the two businesses together as a result of the transfer, we may make some changes. If a change impacts you, we’ll give you plenty of notice and explain what it means to you.
We’d be grateful if you, and anyone else with an interest in the transfer, could take a few minutes to read our questions and answers below. They include some important information to help you understand what the transfer on 2 April 2026 means for you. These questions and answers are correct as at 3 April 2026.
To make it clear what we’re saying on this page, visit ‘Your Questions Answered' Link opens in a new window to find some of the terms we use and what we mean when we use them.
Your credit card questions answered
Yes. Your card will continue to work just like it did before the transfer. We will not issue you with a new card, unless your current card has reached its expiry date.
No. You could only transfer balances from Virgin Money Credit Cards (including Virgin Atlantic and Manchester United Credit Cards) to a Nationwide Credit Card (or vice versa) before the transfer, which happened at 23:59 on 2 April 2026. You can still request a transfer from another UK bank or building society.
No. Just keep using your credit card like you did before the transfer. Your PIN hasn’t changed as a result of the transfer.
If someone calls asking you to share or change your PIN, it’s a scam. Stop all contact and call us right away on the number on the back of your card, or you can find our number at virginmoney.com/report-fraud.
Yes. You can still use the app to manage your card, make payments and everything else you could do before the transfer
Yes. Just do this in the app. You’ll still have access to all your statements, just like you did before the transfer. If you need a copy of a statement, you’ll see them in the app.
No. There are no changes to your Terms as a result of the transfer, including your limit, minimum payment and interest rate. The only change is that your card provider is now Nationwide, not Virgin Money.
If we do decide to make a change in the future, we’ll always give you plenty of notice, explain what it means and make it as straightforward as we can.
The Terms of your credit card haven’t changed as a result of the transfer, and we aren’t sending you any new paperwork. It just means that from 2 April 2026, when the transfer happened, wherever ‘Clydesdale Bank PLC’ trading as ‘Virgin Money’ is mentioned, this now means ‘Nationwide Building Society’ trading as ‘Virgin Money’.
If your credit card application was approved before the transfer, it completed as an agreement made by ‘Virgin Money’ as a trading name of ‘Clydesdale Bank PLC’. This then became a credit card agreement with ‘Virgin Money’ as a trading name of ‘Nationwide’ on 2 April 2026.
If your credit card application was approved after the transfer date, it will complete as an agreement made with ‘Virgin Money’ as a trading name of ‘Nationwide’.
From 2 April 2026, when the transfer happened, we can no longer complete balance transfers from Nationwide to Virgin Money, and vice versa.
No. The benefits you receive with your Virgin Money Credit Card remain unchanged. You will continue to earn Virgin Points and cashback in the same way you did before the transfer.
No. If you have any payment arrangements with Virgin Money, keep the payments up as normal.
Staying safe and avoiding fraud
Fraudsters can take advantage of times of change and try and persuade people to transfer money or share personal or financial information.
Please be extra vigilant if you're contacted by phone, email or text from someone claiming to be from Virgin Money or Nationwide, asking you to take action.
If you're worried that you might have been targeted, call us straight away - ideally from another phone if possible. Report suspected fraud.
We'll do everything we can to help. You can keep up to date with the latest fraud and scams impacting customers - and learn how to stay safe - by visiting our fraud awareness section.
