Questions about the transfer
Nationwide acquired Virgin Money in October 2024, but Virgin Money continued to operate as a separate legal entity within Nationwide’s group until the transfer. 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.
As a result of the transfer, Nationwide is now the UK’s second largest provider of mortgages and savings accounts, ready to invest more in customer service and offer a wider range of products while also offering the benefits of a large mutual to small and medium-sized businesses for the first time.
Following Court approval on 23 February 2026, Virgin Money’s business transferred to Nationwide on 2 April 2026.
The transfer legally moved your account(s) from Virgin Money to Nationwide. It did not move any account(s) that you already had with Nationwide.
As a result of the transfer, there hasn’t been any change to your day-to-day banking:
- Your account(s) are still ‘Virgin Money’ branded and our contact details have stayed the same.
- You’ll now see the Nationwide name at the bottom of emails, letters and statements.
- 'Clydesdale Bank’ mortgages have changed to ‘Clydesdale’ branding. We sent separate communications with more information about this to impacted customers.
- There are no changes to sort codes, account numbers or any account features including the interest rate on your account.
- You don’t need to make any changes to the way you make your payments, including your Direct Debits and standing orders.
- You can carry on using the same sign-in details when you log into your Virgin Money app or online banking.
- Your PIN and debit or credit card hasn’t changed.
- Our Virgin Money web addresses have stayed the same.
The transfer hasn’t affected the way you use your account. After the transfer, we may make some changes to our Terms, processes or IT systems. This will happen gradually.
Fraudsters often try to take advantage of times of change like this. We’ll never ask you for security details over the phone, by email or by text. So, if someone gets in touch and asks you to share financial details or move your money, it’s a scam. Stop all contact and call us. You can find our number at virginmoney.com/report-fraud.
As the transfer was governed by Part VII of the Financial Services and Markets Act 2000, it had to be approved by the Court.
A hearing took place in the High Court in London on 23 February 2026, which approved the transfer. The transfer completed on 2 April 2026.
You can find more information about the transfer and get a copy of the scheme document, together with other important information including a summary of the scheme and a copy of the formal notice of the transfer, at virginmoney.com/nationwide-transfer. If you’d like us to send you a copy of the scheme document, summary of the scheme, or formal notice of the transfer, please get in touch.
Call our dedicated team on 0800 066 5008* (or 00 44 141 880 2050** from outside of the UK). We’re here from 8am to 6pm, Monday to Friday and 9am to 3pm on Saturdays.
If you prefer, you can also email us at nationwide-transfer@virginmoney.com or write to us at:
Nationwide Transfer
The team at Virgin Money
Sunderland
SR43 4JB
Questions about Nationwide and the transfer
Nationwide is the world’s largest building society, with a 140-year history. Before the transfer, Nationwide had over 16 million members. It operates as a British mutual financial institution, which means it’s owned by and run for the benefit of its members.
Nationwide offers a wide range of banking products and services, including mortgages, current accounts, personal loans, credit cards and business savings accounts. In October 2024, Virgin Money became part of the Nationwide group and on 2 April 2026, Virgin Money’s business transferred to Nationwide.
As a result of the transfer you’re now legally a Nationwide customer, but the name of your account(s) remains as ‘Virgin Money’ and ‘Clydesdale’ for now.
Virgin Money mortgages will continue to be ‘Virgin Money’ branded. Clydesdale Bank mortgages have changed to ‘Clydesdale’ branding – we’ve sent separate communications with more information about this to impacted customers.
You won’t notice any difference in your day-to-day banking as a result of the transfer. Our contact details are the same and you don’t need to do anything differently.
As part of the longer-term plan, the name of your account(s) will change to ‘Nationwide’. We will contact you before that happens, to give you more information.
No. There are no immediate changes to the branch network or the way you bank with us because of the transfer of Virgin Money’s business to Nationwide. Currently, Nationwide and Virgin Money branches operate separately and will continue to do so for some time.
The ‘Branch Promise’ covers both businesses, which means that Nationwide will keep both Nationwide and Virgin Money branches open wherever you’ll find them today, until at least the start of 2030. For more information about Nationwide’s Branch Promise, please visit nationwide.co.uk/branch-promise.
If a change impacts you, we’ll give you plenty of notice and explain what it means to you.
For now, you’ll need to keep using Virgin Money branches or Banking Hubs for your Virgin Money banking. If this changes in the future, we’ll let you know.
If you also have an account with Nationwide, please continue to use your usual Nationwide contact details or branch.
Yes. You should continue to use any Virgin Money apps and virginmoney.com to manage your account(s) online, view statements, make payments and send us secure messages.
You can keep using the same sign-in details on our apps or online banking. If you need to update your password, you can do it in the same way you did before the transfer.
No. The transfer hasn’t changed the way you use your account(s). As we continue to bring the two businesses together, we may make some changes to our processes and IT systems.
For example, if you use digital banking, we may ask you to download a new mobile app sometime in the future. If a change impacts you, we’ll always give you plenty of notice, explain what it means and make it as straightforward as we can.
Yes. If you have an account with an app or online banking, you can see copies of your previous statements there. If you have an account that doesn’t have an app or online banking, you can find our number at virginmoney.com/contact
You can call our dedicated team on 0800 066 5008* (or 00 44 141 880 2050** if you’re calling from outside the UK). We’re here from 8am to 6pm, Monday to Friday and 9am to 3pm on Saturdays.
Yes. You can carry on using the same contact details as before the transfer. If they do change, we’ll let you know. You can find our number at virginmoney.com/contact
If you have any questions on the transfer, you can call our dedicated team on 0800 066 5008* (or 00 44 141 880 2050** if you’re calling from outside the UK).
We’re here from 8am to 6pm, Monday to Friday and 9am to 3pm on Saturdays.
If you prefer, you can also email us at nationwide-transfer@virginmoney.com
Yes. Sometimes we get things wrong. If that happens, we’d really like to know so we can put things right and make improvements. If you’d like to make a complaint about any aspect of a Virgin Money product or service (other than the transfer to Nationwide), please follow our complaints process at virginmoney.com/service/complaints. You'll find the right number to call for the product you have with us.
You can also complete our online complaint form at virginmoney.com/vmforms/contact/complaint-form, speak to us in branch or write to us at: The team at Virgin Money, Sunderland, SR43 4JB
To find your nearest branch, visit virginmoney.com/branch-finder.
If you’d like to make a complaint about a Nationwide product or service (other than the transfer of Virgin Money’s business to Nationwide), please follow the complaints process at nationwide.co.uk/complaint. Link opens in a new window You’ll find the right number to call.
You can also visit a Nationwide branch or write to: The Complaints Team Nationwide Building Society, NW 2020, Swindon, SN38 1NW
To find your nearest Nationwide branch, visit nationwide.co.uk/visitbranch.
If you’d like to make a complaint about the transfer, get in touch with us. Call our dedicated team on 0800 066 5008* (or 00 44 141 880 2050** from outside of the UK). We’re here from 8am to 6pm, Monday to Friday and 9am to 3pm on Saturdays.
If you prefer, you can also email us at nationwide-transfer@virginmoney.com or write to us at:
Nationwide Transfer
The team at Virgin Money
Sunderland
SR43 4JB
Yes. For now, you’ll keep earning and redeeming Virgin Points in the same way, in line with your product’s Terms. If this changes, we’ll let you know.
Yes. You’ll still enjoy access to the usual Virgin Group discounts and benefits, from the likes of Virgin Holidays and Virgin Experience Days. If this changes, we’ll let you know.
No. ‘Virgin Money’ branded insurance products are not provided by Clydesdale Bank PLC and did not form part of this transfer. You’ll continue to receive the services for your Virgin Money insurance products in the normal way. If a change impacts you, we’ll give you plenty of notice and explain what it means to you.
If an insurance product customer has a query on the transfer, they will be able to contact the dedicated helpline via the contact details on the Nationwide and Virgin Money websites.
No. ‘Virgin Money’ branded investment and pension products are not provided by Clydesdale Bank PLC and did not form part of this transfer.
On 1 December 2025, our investments and pension business was sold to Octopus Money. This sale was separate from the transfer.
You can find out more details about this at virginmoney.com/investments/newhome
That’s not something that’s available to Virgin Money customers right now. As a result of the transfer, there are no changes to the way that you can access and manage your account(s), including through the Virgin Money apps.
As a building society, Nationwide is a mutual, owned by and run for the benefit of its members. A member is a Nationwide customer with a mortgage, current account or savings account.
Membership depends on the type of account(s) you have, together with your personal circumstances, and your status.
You became a member on 2 April 2026 if you’re an individual and held a Virgin Money mortgage, current account or savings account in your own name.
You were not eligible for membership if any of the following applied on 2 April 2026:
- You managed an account on someone else’s behalf, and the account was in their name, for example, under a power of attorney, third-party mandate, or court order.
- You were a beneficiary of a trust or similar setup, and the account was in someone else’s name. For example, if an account was in a parent’s name, holding money for their child, only the parent became a member. If the account was in the child’s name, the child became a member.
- You only held a mortgage with one of our subsidiaries, such as Yorkshire Bank Home Loans Limited.
- You were a guarantor on a ‘Virgin Money’ or ‘Clydesdale’ branded mortgage.
- You were a corporate entity, such as a limited company or a limited liability partnership.
- You were a bare trustee or a simple trustee acting on behalf of a corporate entity.
- You only had a ‘Virgin Money’ branded personal loan, credit card, insurance.
If you have a buy-to-let mortgage, please see Q14 in the ‘Mortgages’ section.
If you were already a member of Nationwide before the transfer, this did not change.
Being a member of Nationwide brings with it a range of benefits, however some of these are subject to eligibility criteria.
If you became a member of Nationwide as a result of the transfer, we will be contacting you to provide more information about your membership.
For further information on membership, please visit virginmoney.com/nationwide-membership
Charitable Assignment Scheme
If you became a member of Nationwide, you also became a member of The Nationwide Foundation and part of the charitable assignment scheme, which was introduced on 3 November 1997. This scheme helps protect Nationwide from individuals seeking financial gain through converting Nationwide into a bank (demutualisation).
In the event of demutualisation, members might receive cash or other ‘conversion benefits’. Under the scheme, all new members since 1997 must transfer the cash or their rights to these benefits to The Nationwide Foundation – a registered charity (No. 1065552) established in 1997 to support charitable causes.
You can learn more about the charitable assignment scheme at nationwide.co.uk/charitable and The Nationwide Foundation at nationwide.co.uk/foundation
If you held a Virgin Money mortgage, current account or savings account jointly with one or more others before the transfer on 2 April 2026, this hasn’t changed as a result of the transfer.
Each joint account holder may have qualified for membership in the same way as an individual account holder, although only the first named joint account holder will have membership voting rights. Please see Q20 for more information on membership.
If you have accounts with both Virgin Money and Nationwide, you’ll need to contact each separately in the same way you did before. This is because your customer information is still separate.
If, for example, you need to change your contact details, add a power of attorney, or let us know about a bereavement, then please get in touch with either Virgin Money or Nationwide, depending on which account the change is to be made to.
Remember, fraudsters often try to take advantage of times of change like this. We’ll never ask you to move money to a different account. So, if someone gets in touch and asks you to move your money, it’s a scam. Stop all contact and call us using the number on the back of your card, or you can find our number at virginmoney.com/report-fraud
To contact Nationwide, it’s nationwide.co.uk/contact
Any personal data Virgin Money used or held on 2 April 2026 transferred over with the business, making Nationwide the data controller. This means that Nationwide is now responsible for how your data is stored and used.
Historic data that Virgin Money no longer held at the time of the transfer was not transferred to Nationwide. Any new data from 2 April 2026 is now held by Nationwide.
The transfer hasn’t changed how you update your personal details or how you exercise your data subject rights. You can still do this in the usual way through Virgin Money. It also hasn’t changed how your data is used and stored, but we may make some changes as we continue to bring the two businesses together. Whatever happens, your data will only ever be used in line with relevant data protection rules.
We’ll make sure we keep the Virgin Money Privacy Notice up to date, so you can find out about any changes at virginmoney.com/security.
Marketing permissions transferred over with your acccount(s) on 2 April 2026. Your preferences stayed the same, even if you were also a Nationwide customer and opted out of their marketing.
Similarly, if you’ve opted out of Virgin Money marketing, that hasn’t changed. But you’ll keep getting any marketing communications from Nationwide if you’ve given them permission. For example, if you’ve opted out of Virgin Money marketing, but opted into Nationwide marketing, that hasn’t changed – you’ll continue to receive marketing communications from Nationwide as you did before the transfer.
If you want to change the permissions you’ve given Virgin Money, you can do that in our app, by visiting a branch or by giving us a call. You can find our number at virginmoney.com/contact
You can also call us on 0800 066 5008* (or 00 44 141 880 2050** if you're calling from outside of the UK). We’re here from 8am to 6pm, Monday to Friday and 9am to 3pm on Saturdays.
If you’re a credit card customer, you can also find the form online at virginmoney.com/ccmarketing
No. The transfer hasn’t changed any sort codes, account numbers or account features, so current payment details stayed the same as before the transfer. The transfer hasn’t changed the way you use your account(s) to make payments either. But as we continue to bring the two businesses together, we may make some changes to our Terms, processes or IT systems. If a change impacts you, we’ll give you plenty of notice and explain what it means to you.
We’ll never ask you to move your money to another account or ask you for security details over the phone or by email. If someone does, it’s a scam. Stop all contact immediately and call us using the number on the back of your card, or you can find our number at virginmoney.com/report-fraud.
Yes. The transfer hasn’t changed any sort codes, account numbers or account features, so existing Direct Debits and standing orders will stay as they were before the transfer.
The way you use your account(s) has not changed. But as we continue to bring the two businesses together, we may make some changes to our Terms, processes or IT systems. If a change impacts you, we’ll let you know and explain what it means to you.
We’ll never ask you to change Direct Debits or standing orders or ask you for security details over the phone or by email. If someone does, it’s a scam. Stop all contact and call us right away using the number on the back of your card, or you can find our number at virginmoney.com/report-fraud.
Virgin Money and Nationwide will never ask you to move money to another account. A fraudster could try to convince you to move your money to a ‘safe’, ‘new’, ‘switch guarantee’, ‘holding’ or ‘new Nationwide’ account.
We'll also never:
- Send you a text or email with a link to enter your details, passwords or any security information.
- Ask for your PIN, online password or a one-time passcode that you may have received on your phone.
- Ask you to download software, ask you to allow us to access your device or share your screen.
If someone gets in touch to ask you any of these things, 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.
For customers who have Virgin Money and Nationwide accounts
Yes. But Nationwide will make sure you don’t end up in a worse position because of the transfer. We’ve set out in Q30 – Q34 below what Nationwide has agreed to do.
Every bank and building society has various rights and powers under the Terms of their account. You might hear these being referred to as contractual rights. Bringing accounts together with one account provider means the contractual rights also move to being with the same account provider.
Nationwide agreed to use these contractual rights in such a way that you aren’t now in a worse position as a result of the transfer. This means there will be no difference in how those contractual rights are applied before and after the transfer. For some contractual rights, the restrictions will only be for a specific period of time.
These restrictions don’t apply to any new agreements you enter into with Nationwide after the transfer (for example, if you open a new account with Nationwide or agree to new Terms for an existing account).
Like other banks and building societies, Virgin Money and Nationwide include ‘set-off rights’ in some Terms.
This means that if you borrow money from us (for example, on a loan, credit card, mortgage or overdraft) and fall behind on your payments, we could move money from other accounts you have with us (for example, a current account or savings) to repay what you owe.
These are not new rights created by the transfer. But as a result of the transfer, they will apply across more accounts. That’s because, money in a Virgin Money account could be used to repay money borrowed through Nationwide, or the other way round.
The table below gives a bit more detail.
| What are set-off rights? | They allow Virgin Money or Nationwide to move money from one account to another, to repay an overdue amount. |
|---|---|
| What’s the situation after the transfer? | If you fall behind on your payments to a Virgin Money or Nationwide account, Nationwide could use money in another of your accounts to repay the overdue amount. For example, money you have in a Nationwide savings account could be used to repay money you owe on a Virgin Money mortgage. |
| Does this affect me? | Yes, if: You have a credit card, mortgage, loan or overdraft. and You have money in a Virgin Money or a Nationwide account. |
| What can I do to avoid this impact? | For the first 12 months after the transfer (from 2 April 2026), Nationwide will not use money from a Virgin Money account that you had on the transfer date to repay an overdue amount on a Nationwide Building Society account you had on the transfer date, or the other way round. This is to give you time to review your options if you don’t want this right applied in future. Nationwide’s agreement to not use set-off rights in this way only applies to accounts you had when the transfer happened. If you open or renew an account (for example, if you remortgage or reinvest savings) after the transfer, set-off rights will apply in the usual way. |
The 12-month restriction to these set-off rights we’ve described above will only apply to the Virgin Money and Nationwide accounts you had when the transfer happened on 2 April 2026. In other words, this doesn’t cover any new accounts you open or renew after that.
Some Terms include ‘consolidation rights‘. This means that we can keep an asset (for example, investments or property) you gave as security against one debt (for example, a mortgage) until you repay all the money you owe us (for example, a credit card or personal loan). These are not new rights created by the transfer.
What’s the situation now that the transfer has happened?
There is no difference between how these rights are used before and after the transfer. Nationwide won’t hold onto any assets given as security for a Nationwide loan, as security for a Virgin Money loan, and vice versa.
If you give assets to Nationwide as security after the transfer, these restrictions on consolidation rights won’t apply.
Some Terms include ‘cross-default’ rights. This means that if you have an agreement with us to borrow money (for example, a mortgage, loan or credit card) and you default on the Terms, then other agreements you have with us for borrowing money also default automatically. That allows us to demand repayment, enforce security and exercise other rights for all the affected borrowing you have. These are not new rights created by the transfer.
What’s the situation now that the transfer has happened?
There is no difference between how these rights are used before and after the transfer.
If you borrowed money from both Nationwide and Virgin Money before the transfer, then your Virgin Money agreement won’t automatically default if you default on the agreement with Nationwide, and vice versa.
But, if Nationwide and/or Virgin Money had cross-default rights before the transfer (whether they could be used by them then or not), then those pre-existing rights are not impacted by the transfer.
Cross-default rights contained in agreements you enter into with Nationwide after the transfer also won’t be restricted in this way.
Some Terms include ‘all monies rights’. This means that if you borrowed money from us (for example, a loan), you may have given security over an asset (for example, property or land). If you do not pay back the money you’ve borrowed, we may be able to sell the asset you gave as security and use the money from the sale to reduce the amount you owe on any account, not just the loan you gave security for originally. These are not new rights created by the transfer.
What’s the situation now that the transfer has happened?
There is no difference between how these rights are used before and after the transfer.
Unless you ask us to, Nationwide won’t use the money from selling a security asset given to Nationwide before the transfer to reduce the amount you owe on a loan taken with Virgin Money before the transfer, and vice versa.
All monies rights contained in agreements you enter into with Nationwide after the transfer won’t be restricted in this way.
Some Terms include ‘entire agreement clauses’. If your agreement includes this type of clause, it means that the agreement is considered complete and final between you and us. It may also mean that that agreement applies to other accounts you have with your bank.
For example, if you’ve been sent new Terms after opening a savings account, the entire agreement clause in the new Terms means that they replace any previous agreement or communications for that account.
What’s the situation now that the transfer has happened?
There is no difference between how these rights are used before and after the transfer.
Any entire agreement clauses in a Virgin Money agreement will only apply to the accounts which you had with Virgin Money before the transfer. Similarly, any entire agreement clauses in a Nationwide agreement will only apply to the accounts which you had with Nationwide immediately prior to the transfer.
Entire agreement clauses contained in agreements you enter into with Nationwide after the transfer won’t be restricted in this way.
A guarantee or indemnity is where someone has agreed to support a person who has borrowed money (for example, a personal loan) if that person then doesn’t pay the money they owe or agrees to pay for the lender’s losses if the person doesn’t do what they said they would.
What’s the situation now that the transfer has happened?
There is no difference between how these rights are used before and after the transfer. Any guarantees or indemnities given to Nationwide on Nationwide accounts taken out before the transfer will not be used by Nationwide on accounts transferred from Virgin Money. Any guarantees or indemnities given to Virgin Money on Virgin Money accounts taken out before the transfer will not be used by Nationwide on Nationwide accounts.
Guarantee and indemnity obligations contained in agreements you enter into with Nationwide after the transfer won’t be restricted in this way.
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.
Your personal loans questions answered
No. The transfer hasn’t made any difference to your payments or how you make them. If you had any payment arrangements with Virgin Money before the transfer on 2 April 2026, keep the payments up as normal.
Fraudsters often try to take advantage of times of change like this. We’ll never ask you for security details over the phone, by email or by text. So, if someone gets in touch and asks you to share financial details or move your money, it’s a scam. Stop all contact and call us right away. You can find our number at virginmoney.com/report-fraud.
The transfer hasn’t changed the Terms of your personal loan. The length of your loan (how long the loan lasts for), interest rate and monthly payment are the same. The transfer changed your Terms to replace Virgin Money with Nationwide on 2 April 2026, but did not change the way your loan operates.
No. The way you manage your personal loan hasn’t changed. The sort codes, account numbers and account features are the same as before the transfer on 2 April 2026. You can also keep using the same sign-in details when you log into the Virgin Money Mobile Banking app or online banking.
Fraudsters often try to take advantage of times of change like this. We’ll never ask you for security details over the phone or by email. So, if someone gets in touch and asks you to share financial details or move your money, it’s a scam. Stop all contact and call us. You can find our number at virginmoney.com/report-fraud.
Your mortgage account questions answered
No. The transfer hasn’t made any difference to your mortgage interest rate, the amount of your monthly mortgage payments or how you make your monthly mortgage payments.
If you have a mortgage where the interest is charged at either a tracker rate or a variable rate, the interest may change, the same as it could before the transfer. If the interest rate does change, your monthly mortgage payment will need to change too. We will let you know in the usual way and give you plenty of notice.
If someone gets in touch asking you to change how you pay your mortgage, it’s a scam. Stop all contact and call us right away. You can find our number at virginmoney.com/report-fraud.
The transfer hasn't affected your Virgin Money mortgage product and features. It will change your mortgage contract to replace Virgin Money with Nationwide, but this has not changed the way your mortgage operates.
No. There isn’t any change to your mortgage interest rate as a result of the transfer. Our variable rates haven’t changed to Nationwide’s ‘Base Mortgage Rate’ or ‘Standard Mortgage Rate’.
We’ll continue to manage the following rates as we did before the transfer:
- Virgin Money Standard Variable Rate
- Virgin Money Buy-to-Let Variable Rate
- Clydesdale Standard Variable Rate
- Clydesdale Offset Variable Rate
- Clydesdale Offset Variable Investment Housing Loan Rate
Please remember that we regularly review our interest rates and can make adjustments, for example to respond to a change in the Bank of England base rate. We’ll always let you know before any rate change happens and give you the right amount of notice and explain what it means to you.
If your mortgage completed before the transfer date on 2 April 2026, it completed as a mortgage made by Virgin Money.
If your mortgage completes after the transfer date, it will complete as a mortgage made by Nationwide.
If your mortgage completes after the transfer date, it also means the consolidation, cross-default and all monies rights we have will now apply to accounts you hold with Nationwide as well as those you hold with Virgin Money. The answers we’ve given to the ‘General’ section Q30 – Q34 won’t apply to you.
We’re happy we’ve made you a mortgage offer. This is still binding, so it’s not being withdrawn or removed.
Most of the Terms of your mortgage documents haven’t changed as a result of the transfer, and we won’t send you any new paperwork.
The transfer means that wherever ‘Clydesdale Bank PLC’ is mentioned, this now means ‘Nationwide Building Society’.
If your mortgage completed after the transfer date on 2 April 2026, it also means the consolidation, cross-default and all monies rights we have will now apply to accounts you hold with Nationwide as well as those you hold with Virgin Money. The answers we’ve given to the ‘General’ section Q30 – Q34 won’t apply to you.
Yes. After the transfer, Nationwide mortgage products still remain a different brand. This means you can only change to a Nationwide mortgage product by doing a remortgage. A remortgage will trigger any early repayment charge that applies to your mortgage in the same way as it did before the transfer.
No. There are no changes to how you can make the payments on your mortgage. You’ll need to keep making mortgage payments according to your mortgage contract, just as you did before the transfer.
No. All the charges and features are the same, including Terms about lump sum payments.
No. The transfer hasn’t changed how you pay your mortgage. You will still need to make your mortgage payments in the same way as you did before the transfer.
Yes. You are still able to request payment holidays, as set out in your mortgage contract.
No. ‘Nationwide’, ‘Virgin Money’ and ‘Clydesdale’ are different brands. Virgin Money mortgages continue to be ‘Virgin Money’ branded. ‘Clydesdale Bank’ mortgages have changed to ‘Clydesdale’ branding – we’ve sent separate communications with more information about this. You cannot switch to ‘Nationwide’ branded rates if you have a ‘Virgin Money’ or ‘Clydesdale’ branded mortgage. If you’re coming to the end of your deal, we’ll write to let you know what options are available and how you can switch to a new deal.
Nationwide may move your Virgin Money buy-to-let mortgage to The Mortgage Works, a different company within Nationwide group, who specialise in this type of loan. If this happens, it will mean that you no longer qualify for membership – unless you qualify through a different product. Before any transfer happens, Nationwide will contact you with more information.
Your savings questions answered
The FSCS provides compensation to individuals and qualifying businesses with eligible deposits (savings, currency and current accounts) held in a UK bank or building society account in the event the bank or building society should fail. It protects eligible deposits up to £120,000 per person (or qualifying business), or up to £240,000 for joint accounts, across all savings and current accounts they hold in one regulated bank or building society (this is per person and not per account). As Virgin Money’s business has now transferred to Nationwide, this protection applies to your total combined eligible deposits with Virgin Money and Nationwide, up to a total of £120,000.
Before the transfer, separate protection was in place for Virgin Money and Nationwide deposits. So, for example, if you had £70,000 of deposits with Virgin Money, and £65,000 of deposits with Nationwide, all of your £135,000 was protected. Following the transfer, this protection now applies to your total combined deposits between Virgin Money and Nationwide. So using the above example, £120,000 of your £135,000 of deposits is protected, but £15,000 is not protected. |
You can find out more information about the FSCS at www.fscs.org.uk Link opens in a new window.
If, following the transfer, you want to have the same level of FSCS protection you had before, you will need to move some of your excess deposits (above the £120,000 limit) from your Virgin Money or Nationwide account to another bank or building society to bring you in line with the FSCS limit.
| Fixed rate savings accounts | Notice accounts |
|---|---|
| You can withdraw money to bring you within the FSCS limit without being charged (even if the account hasn’t matured yet). You don’t need to give us notice, but you’ll need to withdraw the money from your account between 24 February 2026 and 1 June 2026. Outside this window, you might not be able to withdraw your money until maturity, or you might be charged if you withdraw your money. This depends on your usual Terms. | You can withdraw money to bring you within the FSCS limit without being charged. You don’t need to give us notice, but you’ll need to withdraw the money from your account between 24 February 2026 and 1 June 2026. Outside of this window, you will need to provide notice in line with your Terms. |
| Defined access accounts | Easy access accounts |
| You can withdraw money to bring you within the FSCS limit. It won’t count as one of your permitted withdrawals, but you’ll need to withdraw the money from your account between 24 February 2026 and 1 June 2026. Outside of this window, it will count as one of your permitted withdrawals in line with your Terms. | You can withdraw your money at any time. |
Remember, any money you withdraw out of a cash ISA won’t benefit from the tax-free status. If you want to keep your tax-free status, you need to tell your chosen new ISA Manager to transfer the money in from Virgin Money directly. If you withdraw money another way, you will lose the tax-free status.
If your combined deposits with Virgin Money and Nationwide were over the FSCS limit ahead of 2 April 2026, we sent you a separate communication to explain your options. This also confirmed the new increased FSCS limit from 1 December 2025.
Virgin Money and Nationwide will never ask you to move your money to another account. If someone does, it’s a scam. Stop all contact immediately and call us. You can find our number at virginmoney.com/report-fraud.
If your combined deposits with Virgin Money and Nationwide were over the FSCS limit ahead of 2 April 2026, we sent you a communication to explain your options. This included information about what you could do if you feel you will be financially disadvantaged because of your withdrawal.
You can also transfer your money from a Fixed Rate ISA between 24 February 2026 and 1 June 2026 without giving notice, and without any charges.
If you think you might be affected, please contact us at nationwide-transfer@virginmoney.com.
You may want to speak to a financial adviser before you take your money out of any of your accounts. You can find one in your area at unbiased.co.uk/pro/contact-us Link opens in a new window.
If you have a joint account, you are covered up to £240,000. That’s because you’re covered for £120,000 per person and not per account.
No. There are no changes to your savings interest rate as a result of the transfer to Nationwide on 2 April 2026. We’ll always give you plenty of notice before any rate change happens.
No. You can still use any Virgin Money apps or online banking and virginmoney.com to manage your account(s) in the same way as you did before the transfer. Your PIN, sort code and account number haven’t changed.
The transfer hasn’t changed the way you use your account(s). But as we continue to bring the two businesses together, we may make some changes to our Terms, processes or IT systems.
This will happen gradually. And, if we make a change that impacts you, we’ll always tell you what’s happening, explain what it means and make it as straightforward as we can.
Yes. Nationwide became the ISA Manager of your ISA account from the date of transfer, which happened on 2 April 2026. This means that your Virgin Money cash ISA is now managed by Nationwide.
ISA Managers are approved by HM Revenue & Customs (HMRC) to manage ISAs for customers in line with regulations and the product terms and conditions. Nationwide is an approved ISA Manager (FCA reference number 106078).
Your new ISA Manager address is Nationwide Building Society, Pipers Way, Swindon, Wiltshire, SN38 1NW.
For the 2025/2026 and 2026/2027 tax years, the maximum ISA subscription is £20,000 per person.
Yes. You have the right to move your ISA(s) to another provider. This is known as an ISA transfer and it makes sure that the money in your ISA(s) keeps its tax-free status if you move it.
If you want to transfer to a new provider, you’ll need to contact them to arrange the transfer on your behalf. The provider would then contact us, and we would transfer your ISA(s) to them.
If you’re planning to do this, you should check your Terms to see if you’ll pay any charges, or if you’d lose out on any interest you’ve earned.
Remember, if you withdraw directly from your ISA(s), or if you close the account(s), the money you withdraw will no longer benefit from its tax-free status. The only way to move the money in your ISA(S) to another provider and keep the tax-free status is to do an ISA transfer.***
If you took out a new cash ISA with Virgin Money before 2 April 2026, this has now transferred to Nationwide.
***You can transfer your cash ISA(s) under regulation 21 of the Individual Savings Account Regulations 1998.
Your current account questions answered
The FSCS provides compensation to individuals and qualifying businesses with eligible deposits (current accounts, currency accounts and savings) held in a UK bank or building society account in the event the bank or building society should fail. It protects eligible deposits up to £120,000 per person (or qualifying business), or up to £240,000 for joint accounts, across all savings and current accounts they hold in one regulated bank or building society (this is per person and not per account). As Virgin Money’s business has now transferred to Nationwide, this protection applies to your total combined eligible deposits with Virgin Money and Nationwide, up to a total of £120,000.
Before the transfer, separate protection was in place for Virgin Money and Nationwide deposits. So, for example, if you had £70,000 of deposits with Virgin Money, and £65,000 of deposits with Nationwide, all of your £135,000 was protected.
Following the transfer, this protection now applies to your total combined deposits between Virgin Money and Nationwide. So using the above example, £120,000 of your £135,000 of deposits is protected, but £15,000 is not protected.
You can find out more information about the FSCS at https://www.fscs.org.uk/ Link opens in a new window.
If, following the transfer, you want to have the same level of FSCS protection you had before, you will need to move some of your excess deposits (above the £120,000 limit) from your Virgin Money or Nationwide account to another bank or building society in order to bring you in line with the FSCS limit.
| Current accounts | Currency accounts |
|---|---|
| You can withdraw your money at any time. | If you have a currency account, you can withdraw money to bring you within the FSCS limit without being charged. You’ll need to withdraw the money from your account between 24 February 2026 and 1 June 2026. Before and after this window, you might be charged as your normal Terms will apply. |
If your combined deposits with Virgin Money and Nationwide were over the FSCS limit ahead of 2 April 2026, we sent you a separate communication to explain your options. This also confirmed the new increased FSCS limit from 1 December 2025.
If you have a joint account, you’re covered up to £240,000. That’s because you’re covered for £120,000 per person and not per account.
No. You can continue your Virgin Money debit card. Your PIN and account number haven’t changed either.
You can still use any Virgin Money apps or online banking and virginmoney.com to manage your account(s) in the same way as you did before the transfer.
The transfer hasn’t changed the way you use your account(s). But as we continue to bring the two businesses together, we may make some changes to our Terms, processes or IT systems.
This will happen gradually. And, if we make a change that impacts you, we’ll always tell you what’s happening, explain what it means and make it as straightforward as we can.
No. You can still carry on using your Virgin Money debit card. Your PIN and account number haven’t changed either.
Yes. Any payments you make will still show as coming from ‘Virgin Money’.
Yes. As a Virgin Money customer, you can still go to the Post Office to pay in or withdraw your money using your debit card.
Your business and charity questions answered
The transfer hasn’t changed your day-to-day banking. Your account(s) are still ‘Virgin Money’ branded and our contact details are the same.
Your sort codes, account numbers and any account features are the same as they were before the transfer. We will not be issuing you with a new card (unless your current card has reached its expiry date), and you can carry on using the same sign-in details when you log into the Virgin Money Mobile Banking app or online banking. Our web addresses are also the same.
The transfer hasn’t affected the way you use your account, but as we continue to bring the two businesses together, we may make some changes to our Terms, processes or IT systems. This will happen gradually. And, if we make a change that impacts you, we’ll always give you plenty of notice, explain what it means and make it as straightforward as we can.
Fraudsters often try to take advantage of times of change like this. We’ll never ask you for security details over the phone or by email. So, if someone gets in touch and asks you to share financial details or move your money, it’s a scam. Stop all contact and call us. You can find our number at virginmoney.com/report-fraud.
The transfer hasn’t changed the interest rate on your account.
Yes. The transfer hasn’t changed any of your sort codes, account numbers or account features, so Direct Debits and standing orders are the same as before the transfer
Fraudsters often try to take advantage of times of change like this. We’ll never ask you for security details over the phone or by email. So, if someone gets in touch and asks you to share financial details or move your money, it’s a scam. Stop all contact and call us. You can find our number at virginmoney.com/report-fraud.
No. The transfer hasn’t changed the way you use your account(s). Following the transfer, we may make some changes to our Terms, processes or IT systems. For example, if you use our digital services, in the future we may ask you to download a new mobile app
This will happen gradually. And, if we make a change that impacts you, we’ll always tell you what’s happening, explain what it means and make it as straightforward as we can.
No. The transfer hasn’t changed the terms on your business borrowing. Your term, interest rate, payments, sort codes, account numbers and account features are the same as before the transfer.
No. The transfer hasn’t changed your payments or how you manage your business borrowing. If you have any payment arrangements with Virgin Money, keep the payments up as normal.
Fraudsters often try to take advantage of times of change like this. We’ll never ask you for security details over the phone or by email. So, if someone gets in touch and asks you to share financial details or move your money, it’s a scam. Stop all contact and call us. You can find our number at virginmoney.com/report-fraud.
No. There are no changes to how your Business Credit Card works. Your card will still work the same as before the transfer. Your PIN hasn’t changed either.
No. If you have a named relationship manager, this hasn’t changed as a result of the transfer.
The FSCS provides compensation to individuals and qualifying businesses with eligible deposits (savings and current accounts) held in a UK bank or building society account in the event the bank or building society should fail. It protects eligible deposits up to £120,000 per person or qualifying business across all savings and current accounts they hold in one regulated bank or building society. As Virgin Money’s business has now transferred to Nationwide, this protection applies to your total combined eligible deposits with Virgin Money and Nationwide, up to a total of £120,000.
To check if your business deposits are eligible for FSCS protection, visit fscs.org.uk Link opens in a new window. Some types of business deposit are excluded from the scheme no matter which bank or building society holds the account and those deposits don’t get FSCS protection.
If, following the transfer, you want to have the same level of FSCS protection you had before for eligible deposits, you need to move any excess money (above the £120,000 limit) to another bank or building society in order to bring you in line with the FSCS limit.
If you have deposits in both Virgin Money and Nationwide, and are over the FSCS limit:
| For Business Current Accounts and Instant Access Accounts (including M Account for Business) | You can withdraw your money at any time. |
|---|---|
| For Business Fixed Rate Savings Accounts, Business Term Deposit and Business Currency Accounts | You can withdraw money to bring you within the FSCS limit without being charged (even if the account hasn’t matured yet). You don’t need to give us notice, but you’ll need to withdraw the money from your account between 24 February 2026 and 1 June 2026. Outside this window, you might not be able to withdraw your money until maturity, or you might be charged if you withdraw your money. This depends on your usual Terms. |
| For Business Notice Accounts | You can withdraw money to bring you within the FSCS limit. You don’t need to give us notice, but you’ll need to withdraw the money from your account between 24 February 2026 and 1 June 2026. Outside of this window, you will need to provide notice in line with your Terms. |
Virgin Money and Nationwide will never ask you to move your money to another account. If someone does, it's a scam. Stop all contact immediately and call us using the number on the back of your card, or you can find our number at virginmoney.com/contact/business.
If your combined deposits with Virgin Money and Nationwide were over the FSCS limit ahead of 2 April 2026, we sent you a communication to explain your options. This included information about what you could do if you feel you will be financially disadvantaged because of your withdrawal. If you are affected, you can contact us at nationwide-transfer@virginmoney.com.
You may want to speak to a financial adviser before you take your money out of any of your accounts. You can find one in your area at opens in a new window unbiased.co.uk Link opens in a new window.
Yes. Please see opens in a new window Q30-34 in the 'General' section above for more information about how the transfer impacts your existing rights.
Your mortgage intermediaries questions answered
To make it clear what we’re saying on this page, here are some of the terms we use and what we mean when we use them:
| Term | Meaning |
|---|---|
| Virgin Money/we/our/us | When we say ‘Virgin Money’, ‘we’, ‘our’ or ‘us’, we mean Clydesdale Bank PLC, which prior to the transfer, traded under the names ‘Virgin Money’, ‘Clydesdale Bank’ and ‘Yorkshire Bank’. It’s this company’s business that has transferred to Nationwide. |
| Clydesdale Bank PLC | This is the legal entity which, prior to the transfer, traded under the names ‘Virgin Money’, ‘Clydesdale Bank’ and ‘Yorkshire Bank’. |
| Nationwide | This is a quick way of saying Nationwide Building Society, which owns Virgin Money. It is the entity that Virgin Money’s business has been transferred to and which now trades as ‘Nationwide Building Society’, ‘Virgin Money’ and ‘Clydesdale’. For more info on Nationwide, take a look at Q7 below. |
| Transfer | This means the transfer of Virgin Money’s business to Nationwide. The transfer was completed under Part VII of the Financial Services and Markets Act 2000. Following Court approval on 23 February 2026, Virgin Money and Clydesdale Bank’s businesses transferred to Nationwide on 2 April 2026. |
| Mutual | This means a business that's owned by its members and run for their benefit, with no shareholders to satisfy in the way that banks do. Nationwide is a mutual. |
| Terms | This means the terms and conditions of a customer's account |
Questions about the transfer
Nationwide acquired Virgin Money and Clydesdale Bank in October 2024, but after that Virgin Money has continued to operate as a separate legal entity within Nationwide’s Group until the transfer 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.
As a result of the transfer, Nationwide is now the UK’s second largest provider of mortgages, ready to invest more in customer service and offer a wider range of products while also offering the benefits of a large mutual to small and medium-sized businesses for the first time.
Following Court approval on 23 February 2026, the transfer completed on 2 April 2026.
The transfer legally moved your clients’ mortgage account(s) from Virgin Money or Clydesdale Bank to Nationwide. It did not move any mortgage account(s) your client already had with Nationwide.
As a result of the transfer, there hasn't been any change to your clients’ mortgage account(s):
- Their mortgage account(s) are still ‘Virgin Money’ branded and our contact details have stayed the same.
- Clydesdale Bank mortgages have changed to ‘Clydesdale’ branding – we’ve sent separate communications with more information about this to impacted customers.
- You’ll now see the Nationwide name at the bottom of emails, letters and statements.
- There are no changes to sort codes, account numbers or any account features including the interest rate on the account.
- Your client doesn’t need to make any changes to the way they make payments, including Direct Debits and standing orders.
- Our intermediaries website for Clydesdale has changed to clydesdaleforintermediaries.co.uk.
As we continue to bring the two businesses together as a result of the transfer, we may make some changes to our Terms, processes or IT systems. This will happen gradually.
As the transfer was governed by Part VII of the Financial Services and Markets Act 2000, it had to be approved by the Court.
A hearing took place in the High Court in London on 23 February 2026, which approved the transfer. The transfer completed on 2 April 2026.
As a result of the transfer, agreements and contracts are now legally held with Nationwide (instead of Clydesdale Bank PLC).
Virgin Money mortgages will continue to be ‘Virgin Money’ branded. Clydesdale Bank mortgages have change to ‘Clydesdale’ branding – we've sent communications with more information about this.
If we make other changes, we will contact you in advance to give you more information.
You won’t notice any difference in your day-to-day business with us as a result of the transfer and our contact details will stay the same.
Either you or your clients can find more information about the transfer and get a copy of the scheme document, together with other important information including a summary of the scheme and a copy of the formal notice of the transfer, at virginmoney.com/nationwide-transfer. If you would like us to send you a copy of the scheme document, summary of the scheme, or formal notice of the transfer, please get in touch.
Call our dedicated team on 0800 066 5008* (or 00 44 141 880 2050** from outside of the UK). We’re here from 8am to 6pm, Monday to Friday and 9am to 3pm on Saturdays.
Alternatively, email us at nationwide-transfer@virginmoney.com or write to us at:
Nationwide Transfer
The team at Virgin Money
Sunderland
SR43 4JB
Nationwide is the world’s largest building society, with a 140-year history. Prior to the transfer, Nationwide had 16 million members. It operates as a British mutual financial institution, which means it’s owned by and run for the benefit of its members.
Nationwide offers a wide range of banking products and services, including mortgages, current accounts, personal loans, credit cards and business savings accounts. In October 2024, Virgin Money became part of the Nationwide Group and on 2 April 2026, Virgin Money’s business transferred to Nationwide.
Yes. You should continue to use Virgin Money and Clydesdale Bank application systems to manage your new and existing business in the same way you did prior to the transfer.
Yes. You can carry on using the same contact details as you used prior to the transfer for your Business Development Manager.
If you have any questions on the transfer, you can call our dedicated team on 0800 066 5008* (or 00 44 141 880 2050** if you’re calling from outside the UK). We’re here from 8am to 6pm, Monday to Friday and 9am to 3pm on Saturdays.
If you prefer, you can also email us at nationwide-transfer@virginmoney.com.
Any personal data Virgin Money or Clydesdale Bank used or held on 2 April 2026 transferred over with the business, making Nationwide the data controller. This means that Nationwide is now responsible for how your data is stored and used.
It does not change any data Virgin Money no longer had at 2 April 2026 nor does it apply to any data Virgin Money acquires after 2 April 2026.
The transfer hasn’t changed how you update your personal details or how you exercise your data subject rights. You can still to do this in the usual way through Virgin Money or Clydesdale Bank like you could before the transfer. It also hasn’t changed how your data is used and stored, but we may make some changes as we continue to bring the two businesses together as a result of the transfer. Whatever happens, your data will only ever be used in line with relevant data protection rules.
We’ll make sure we keep the Virgin Money Privacy Notice up to date, so you can find out about any changes at virginmoney.com/security.
Marketing permissions transferred over with your clients’ mortgage account(s) on 2 April 2026, so their preferences stayed the same, even if they were also a Nationwide customer and opted out of their marketing.
Similarly, if they’ve opted out of Virgin Money or Clydesdale Bank’s marketing, that hasn’t changed. But they’ll keep getting any marketing communications from Nationwide if they’ve given them permission. For example, if they’ve opted out of Virgin Money or Clydesdale Bank’s marketing, but opted into Nationwide marketing, that hasn’t changed – they’ll continue to receive marketing communications from Nationwide as they did prior to the transfer.
You won’t need to resubmit the application, and if we need you to do something, we will be in touch.
If the mortgage completed before the transfer (2 April 2026), it will have completed as a mortgage made by Virgin Money or Clydesdale Bank.
If the mortgage completed after the transfer (2 April 2026), it will have completed as mortgage made by Nationwide.
We’re happy we’ve made your client a mortgage offer. This is still binding, so it’s not being withdrawn or removed.
The mortgage documents haven’t changed as a result of the transfer, and we won’t send them any new paperwork. It just means that wherever ‘Clydesdale Bank PLC’ is mentioned, this now means ‘Nationwide Building Society’ after the transfer, which took place on 2 April 2026.
You should keep submitting business to Virgin Money, Clydesdale Bank and Nationwide in the same way as you did before the transfer. If this changes, we’ll be in touch.
No, not as a result of the transfer. The transfer has not caused any changes to your arrangements. But as we continue to bring the businesses together, we may make changes to some of our arrangements with you. If we do, we’ll always let you know what these changes involve and what they’ll mean for you.
Right now, there aren’t any changes to the Virgin Money or Clydesdale Bank procuration fees or how we work with intermediaries as a result of the transfer. If we do decide to make changes, we’ll always let you know what’s happening, explain what it means for you and make it as straightforward as we can.
No. There aren’t any changes like that as a result of the transfer. But as we continue to bring the businesses together after 2 April 2026, we may make some changes to our Terms, processes or IT systems. This will happen gradually. And if we make a change that impacts you, we’ll always give you plenty of notice and explain what it means for you.
No. There are no changes to valuations in connection with the transfer. If we make a change that impacts you, we’ll always give you plenty of notice and explain what it means for you.
No. You don’t need to do a thing. You can keep doing business with us, just as you did prior to the transfer. If we do change anything, we’ll let you know.
There aren’t any changes to our lending policy as a result of the transfer. If we make any changes to lending policies in the future, we'll let you know about them in the normal way.
There are no changes to either our product transfer or product switch processes as a result of the transfer. If we make any changes in the future, we’ll let you know about them in the normal way.
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.
Your sort code and account number haven’t changed as a result of the transfer. Virgin Money or Nationwide will never ask you to move your money to another account or to change any Direct Debits or standing orders. We'll also never ask you for security details over the phone, by email or by text, so if someone does - please don't share this information with them.
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.
