Applying for and opening an account
We try to make everything easy to understand, with helpful guides and handy tips to help you choose the right account for you. If anything needs a bit more explanation, get in touch on 03455 28 88 52 and we'll do our best to help. Remember, we’re not allowed to give you financial advice. If that's what you need, check out:
No. To open an account with us, you must be a UK taxpayer or have a British Forces Overseas address. If you become non-resident for tax after you’ve opened your account, please let us know straightaway because you might be unable to make any more payments into it. Other providers might offer you an account if you’re a non-UK resident.
We usually verify your identity electronically wherever possible, using the information you give us in your application. Sometimes we might ask you to send extra proof of your identity or your address to process your application.
Yes. This is a digital account, which means you’ll need to open and manage your account online. If you need help opening or managing your account, just get in touch on 03455 28 88 52.
If you need something explained, and you can't find the answer just get in touch on 03455 28 88 52, or start a webchat from your application page. We can provide help and support but we can't give you financial advice. If that's what you need, check out:
You’re free to cancel your Pension with us within 30 days of opening it. Just send us a secure message, call, or write to Virgin Money Investments and Pensions, PO Box 24204, Edinburgh EH3 1JP and we’ll sort it.
If you do cancel your Pension, we’ll sell all your units and convert them to cash. We’ll even pay back any Account Charges we may have collected. You’ll get back whatever your savings are worth, which could be more or less than you put in. Otherwise, it’ll be as if you never opened the account.
Where you transferred a pension to us from another provider, we’ll check whether we can return the cash to them. If they refuse to accept it, you’ll need to find another provider that will.
You can also cancel a transfer from another provider within 30 days of instructing it. Your cancellation rights only apply to the transfer and not to the other savings in your Pension. We'll return whatever the transferred amount is worth, which could be more or less than we received.
You can make payments into your pension by:
- Debit card – if you're making a one-off payment.
- Direct debit – if you're making regular monthly payments.
- Transfer another pension to us. You'll be transferring a cash value, not the investments themselves - this means your money will be 'out of market' whilst the transfer is made.
You can stop, start or change your payments whenever you like, as long as you keep within the pension rules. Other people, including your employer, can also pay into your pension.
If you opened your account before 1 January 2023
You may also be able to make payments by cheque.
Yes, other people, including your employer, can also pay into your pension. To arrange for another person or employer to make a payment you’ll need to call us.
Bear in mind that you can't benefit from income tax relief on pension payments that come directly from your employer. Also, please note that your employer making payments into the Virgin Money Pension can't use this as an approved Auto-Enrolment (workplace) pension scheme to make payments.
Yes you can. There are two ways to do this, either contributing personally or through an employer contribution.
If you're a sole trader, you can make personal contributions to your pension.
If you're self-employed and run your own business through a limited company then you can make personal contributions and employer contributions. Employer contributions are deducted from your company's total profit margin, so aren't liable for Corporation Tax. You don't receive income tax relief on employer contributions, unlike personal contributions. You may want to take advice on the best option for your own tax circumstances.
To make employer contributions, please contact us and we'll arrange this for you.
Yes, our Navigator pension is the hands-off way to manage your pension. We adjust your pension automatically based on your age, focusing on growth when you’re young and stability as you get older.
Our investment funds
Follow the links from our funds page for detailed information about each fund's performance.
Use our app or sign into Online Service to track the performance of your investments. We update your account balance every day and you’ll get a statement in your Documents every six months.
If you opened your account before 1 January 2023
We'll also send your six-monthly statement by post, unless you've told us you'd like to go paperless.
The simple answer is yes. The value of investments can fall as well as rise and you could get back less than you invested. That's why you should invest for the longer term (5 years or more), so you're less exposed to sudden changes in market conditions.
To help manage the risk, our ready made investment approaches spread your money across many different types of investment, and many different countries.
We explain the key features and risks of each of our investment options in the fund information and Key investor information documents - just follow the links from our fund page.
A fund of funds is an investment fund that invests into other funds, rather than directly into individual shares or bonds. It’s a way to lower the risk, spread your investments and give your money more ways to grow.
Transferring to us
That depends on the type of investments and who your provider is. Transfers can take anything from a few weeks to a month or so, but we’ll make it as quick and easy as we can. Here’s how it works:
You give us the details of your account(s) you want to transfer – including your current provider, your plan or policy reference and the amount you want to transfer. We’ll contact your existing provider and usually get everything sorted online.
Some providers won’t accept a digital signature so we might get in touch again to ask you to sign and return a transfer form by post. It’s also possible there could be other queries that may mean we’ll need to contact you or the provider before we can finalise things. If your current provider still does everything by post that will slow the process down.
You’ll be able to track the progress of your transfer in Online Service and we’ll let you know when everything’s complete.
Remember that if you’re transferring other investments they will need to be sold and the cash value transferred to us. This means you may be ‘out of the market’ for a short time while the transfer is happening.
If you opened your account before 1 January 2023
You can call us to start your transfer. We’ll need you to return a signed transfer form before we can contact your existing provider.
You can transfer as many pensions as you like to us. Just give us the details when you apply, or transfer them one at a time once you've opened your account.
There are a few pensions you can't transfer:
- a pension with a guaranteed annuity rate.
- a pension with safeguarded benefits or guarantees.
- a pension you've already taken money from.
- a defined benefit pension (e.g. a final salary scheme).
If you've got a pension but can't remember all the details, the first thing to do is contact your pension provider- if you know who it is. Your previous employer could help if it was a pension they helped arrange. Follow our top tips to find your pension.
It’s straightforward - give your new provider the transfer details and they’ll deal directly with us.
We’ll transfer your investments in cash so your current investments will be sold. You’ll be out of the market until your transfer completes. This means you won’t lose out if markets fall but, likewise you won’t benefit if markets rise.
Just so you know, transferring between providers can take several weeks to a month or so. If it’s processed online it’ll usually be quicker, if your new provider does this by post it’s likely to take longer.
App and security
We protect you with a security check each time you sign in.
You can use the app to quickly and easily verify it's you signing in, or we can send a security code to your phone.
Remember, keeping your account safe is really important. Make sure you keep your security password for Online Service safe and never share it.
Our app is designed to help keep you safe when you're managing your account online. It also keeps you up-to-date with how your investments and pension are doing. Within our app you can check your balance, make a one-off payment, get in touch via secure messages, view and upload documents, and more.
Our app is the handy way to keep in control of your account, wherever you are. It’s also the quickest and easiest way to sign in to Online Service securely.
If you don’t have a smartphone you can still sign in to Online Service to manage your account. You’ll just need to give us your phone number so we can send you a security code for verification each time you sign in.
Yes, you'll need to download the Virgin Money Investments app too. It's separate from our mobile banking and credit card apps.
It’s quick and simple but, for security reasons, you can only link one device to your account. So, we'll first need to remove your old device. Sign in to Online Service and on the next page, Let us know it's you find the Trouble signing in? section which includes Recently Changed your device? Follow the on-screen instructions for removing your old device first, then you can download our app and register your new mobile device.
You can view your account balance and make a one-off payment in our app. Just click the Accounts tab at the bottom of the screen.
For other payment options just sign in to Online Service and View your account.
If you want to arrange for your employer or another person to pay into your pension, just give us a call.
No. For security reasons, you can only link one mobile device to your account.
Of course. In Online Service, on the Let us know it's you screen as you sign in, go to Trouble signing in in Online Service, select Recently changed your device then follow the on-screen instructions.
If you are using our Virgin Money Investments app, go to our Online Service and enter your username and password then select I've recently changed my device which is shown under the Trouble signing in section. Then follow the on-screen instructions. Once your old device has been removed you can download our App and register your new mobile device.
If your new device uses your old number, you'll be able to sign in as normal.
If you have a new number, or you don't have access to a new device, give us a call – we’ll get you up and running quickly.
Give us a call, our contact details are shown at the bottom of the page. We’ll get you up and running again.
For your security, we'll lock your account for 30 minutes if there have been too many failed attempts to sign in. During that 30-minute lock, you can still retrieve your username or reset your password.
If you're still unable to sign in after the 30-minute lock, please call us on 03455 28 88 58 to unlock your account.
If you opened your account before 1 January 2023
We moved your account to our new Online Service on 8 January 2024. The first time you sign in to the new Online Service you'll need to set up new sign in and security details. If your account is locked or you need any help just give us a call on 03455 28 88 88 or start a webchat.
Call us as soon as you can on 0345 528 88 88.
Managing your account
If you opened your account after 1 January 2023
As part of the account opening process we will set up your access to Online Service. This is where you manage your account, review performance and more.
To keep things extra secure, each time you sign in to Online Service we'll ask you to verify using the app, or by sending a passcode to your phone.
If you opened your account before 1 January 2023
We updated your account on 8 January 2024. Just follow the simple steps to set up sign in details for your new Online service.
If your account is locked or you need any help just give us a call on 03455 28 88 88 or start a webchat.
You can access all your important documents from your Documents in our Online Service.
You can also view those documents in our Virgin Money Investments app.
If you opened your account before 1 January 2023
We'll also send you copies of important documents by post, unless you ask us to go paperless.
There’s no limit to how much you and your employer (if you have one) can pay into your pension. There is, however, a limit to how much of those payments can benefit from tax relief.
Most employed people can get tax relief on pension payments up to either 100% of their salary or a gross annual allowance of £60,000 which includes payments and tax relief – whichever is lower. This amount can be higher if you have unused allowance from past tax years. You may have a lower limit if you earn a lot or have already accessed your pension benefits. Even if you don’t pay income tax, you’ll still get tax relief on the first £2,880 you pay in each year.
For more info see gov.uk Link opens in a new window
Transferring your pension to us is simple. Access your account overview in Online Service and select Transfer a pension to us then follow the on-screen instructions. You’ll be asked for your provider’s details, your plan / policy reference and the amount you’d like to transfer. We'll ask you to sign your form with a digital signature. In some cases, your current provider won’t accept a digital signature to allow the transfer to continue. If that happens, we’ll get back in touch with you to sign and return a transfer form by post.
If you have a Self-Drive pension you'll also need to tell us what funds you want to invest in.
Sometimes, you may be better off leaving your pension where it is. Before transferring yours, make sure it’s the right thing to do.
- Ask your pension provider if you’ll be charged for transferring your savings to us. If there’s a fee, the cost could outweigh the potential gains.
- Make sure our pension gives you the investment options and features you need, and our charges compare with those of your existing provider.
- Check you’re not giving up valuable benefits if you transfer your pension, such as guaranteed sickness or death pay-outs.
There are some types of pensions we can’t transfer. This includes pensions with:
- A guaranteed annuity rate - This is a pension plan that guarantees you income from an annuity, for life. It’s based on a fixed rate, set when you started your pension. Rates for guaranteed annuities often have escalation terms, which mean your income will increase. These can be more generous than other annuities.
- Safeguarded benefits or guarantees - This type of pension plan pays you a bonus for not taking your benefits, until an agreed date. These plans often pay out an annual and final bonus, based on profits from where your money’s invested. You risk losing these bonuses if the policy’s transferred or cashed-in early.
- Payments already taken from them - This means, if you have taken money out of your pension using Pension Drawdown with your current provider, you won’t be able to transfer those benefits to us.
- Defined benefits (public or private sector) - This type of pension is usually offered by employers – it’s also known as a Final Salary Pension. It guarantees you a level of retirement income, linked to your age and earnings – which is sometimes called a Scheme Pension. Watch out: that income won’t be paid if the policy’s transferred.
If you opened your account before 1 January 2023
If you want to make a transfer and don't use Online Service just give us a call and we'll help.
If you die before accessing your money, we’ll use any named beneficiaries you've provided to help us decide who we should pay.
Payments to beneficiaries are usually tax-free if you’re under 75, and the money’s paid within two years. If you’re 75 or older, however, your beneficiaries may have to pay income tax on the amount they receive.
If you haven't added any beneficiaries, or haven't allocated 100% of your pension, any money that’s left over will normally become part of your estate.
When you close your account, you're withdrawing from all the funds you're invested in. That process can take up to five working days. During this time, you might still see some money in your account but because your account is closing no new transactions will be possible.
Online Service will show that we’re closing the account for you. The account status will be closed once this is finished.
Yes, providing it's within 30 days of when you instructed the transfer. We’ll check whether we can return the cash to other provider. If they refuse to accept it, you’ll need to find another provider that will.
We'll return whatever the transferred amount is worth, which could be more or less than we received.
To cancel a transfer, please send us a secure message, call or write to us at: Virgin Money Investments and Pensions, PO Box 24204, Edinburgh EH3 1JP.
You need to notify us immediately if you move abroad. Laws outside of the UK may affect your ability to continue to make payments or benefit fully from the features of your Virgin Money Investment and Pension products . We’ll give you details once you’ve told us.
Unfortunately not, unless it's a BFPO address. Please get in touch, either by phone or using the secure messaging feature in Online Service.
You can keep them separate or we can merge these together for you. If you want to merge them, just give us a call.
Adding and withdrawing money
You can choose any day from 1st–28th of each month for your Direct Debit payments. Just remember, it takes eight working days to set up and collect the first one.
Yes, other people, including your employer, can also pay into your pension. To arrange for another person or employer to make a payment you’ll need to call us.
We’ll provide the person or employer with a payment form to complete. After we have received the completed form and verified their identity, we will be able to accept a payment from them.
If they want to change a monthly Direct Debit they have in place, they can get back in touch with us and we will ask them to complete a new form.
We will write directly to the payer in the event of any problems with their payments. However, you'll be able to keep track of all payments in Online Service by viewing 'account activity' and your regular pension statements.
Bear in mind that you can't benefit from income tax relief on pension payments that come directly from your employer. Also, please note that your employer making payments into the Virgin Money Pension can't use this as an approved Auto-Enrolment (workplace) pension scheme to make payments.
Once we have everything we need, it takes eight working days to set up your Direct Debit. If it’s too late for your chosen date, we’ll collect your first payment the following month.
Payments into your Virgin Money Investments and Pension accounts will up show as "Virgin Money Inves" on your bank statements.
Go to your homepage in Online Service and select View your account and then Manage monthly payments. From here, you can cancel your monthly payment by following the on-screen instructions.
Please note that if you cancel your Direct Debit within three working days of the collection date, the cancellation will happen after your next payment's collected.
If you opened your account before 1 January 2023
You can also cancel your monthly payments by calling or writing to us.
Currently, the minimum age for taking your pension is 55 (57 from 2028). There are some circumstances when you can do this sooner, such as for serious ill health. For more info, have a look at our latest Pension Terms. You'll also find a copy within your Documents.
If you opened your pension with us before 1 January 2023
The minimum age for taking your Virgin Money pension will stay as 55 even after 2028, when pension regulations will increase the age to 57 for other customers.
Currently, with us, you only have the option to take your pension savings as one lump sum, with 25% of it tax free. We're working on options for you to drawdown income, or to take smaller lump sums from your pension.
If your pension's with us and you want to access it via drawdown, or another method we don't yet provide, you’ll need to transfer your money to another pension provider – we won't charge you for doing that.
If you're thinking about accessing your pension, just get in touch.
Charges and tax
There are two charges, both of which are a percentage of the value of the investments you hold. They are:
1. Account Charge. This is for running your account. We calculate the cost once a month then sell some of your units to cover the charge. If you have any cash in your account, we’ll use that to pay the charge and only sell units if there isn’t enough cash to cover the full amount.
2. Annual Management Charge (AMC). This covers the cost of managing your investments, and varies from fund to fund. Unlike the Account Charge, you won’t see this charge come out of your account each month. Instead, it’s reflected in the daily unit price of each fund.
For more info, see Our funds and charges.
We won't charge you any fees for moving to another provider.
A pension is a tax-efficient way to save for your retirement.
You can benefit from tax relief on your personal payments into your pension, up to your allowed limit.
Pension investments are free from income tax and capital gains tax, so you won't pay tax on any dividends from shares and you won’t pay capital gains tax on any profits made from the investments within your pension.
Just so you know, when it's time to take money from your pension, there is a limit on the total amount of tax-free cash you can take across all your pensions. It’s normally £268,275, but the rest is taxed like any other income.
For more info, have a look at gov.uk.
You get tax relief on all payments made into your pension, including those from third parties, but not payments made by your employer. This means you only pay tax when money goes out – not when it comes in.
When it’s time to take money from your pension, you can normally get the first 25% as a tax-free lump sum, but the rest is taxed like any other income.
As you approach your retirement age we’ll give you all the details you need, but you can always visit MoneyHelper.org.uk Link opens in a new window for more info.
For pensions, it can take up to 12 weeks to get HMRC's tax relief. As soon as we get the money, we’ll use it to buy more units in your chosen funds.
Investment Performance
You can keep up-to-date by visiting our fund price page.
We update the value of your funds overnight after each working day (Monday to Friday, excluding bank holidays). You can view your balance within our app and in Online Service. To help, we confirm the date your balance was last updated next to its current value.
You can also check your balance by calling our automated service on 03455 28 52 85.
If you opened your account before 1 January 2023
You can also check your balance by calling us on 03455 28 88 88.
It's the level of risk an investor is prepared to accept when investing. It differs from person to person, depending on their goals and when the money's needed. Those who need the money in the next few years will be less likely to accept a possible loss and so have a lower risk appetite. Those looking to grow their wealth over a longer time horizon (say 10 years) tend to have a higher investment risk appetite – because they're prepared to weather short-term dips for the possibility for better longer term returns.
Possibly. The value of your investments can go down as well as up and you may get back less than you invest.
If you take money from your pension or switch investments when your investments go down, you will be locking in stock market falls.
Remember, investing is a medium to long-term commitment and has tended to do better than saving over five years or more. However, past performance of investments can't be used as a guide to how they'll perform in the future.
There’s always a risk with investing. The value of your investments can go down as well as up and you may get back less than you invest.
That’s why investments are a medium to long-term commitment and why you should be prepared to invest your money for at least five years – it's generally the best way of smoothing out the short term ups and downs you can get with the stock market.
Most of our funds are responsibly invested, which means that they will make decisions about what to invest in that consider a broader view of risks and opportunities including thinking about people and the planet. This is because we believe that over the long term responsibly run companies will lower risks and increase opportunities in our changing world. These companies will be seeking to protect both people and the planet from harm, with responsible business practices based on global standards.
Want to know more?
Glossary and other questions
You can see the latest terms for your account in your Documents, in Online Service. You can also view our Pension Terms.
We don't provide financial advice, but you could try the following:
You're not able to hold cash long term in our investment or pension accounts.
You may occasionally hold cash on a temporary basis - for example, during a transaction. We don't earn interest or pay you interest on that cash.
In the unlikely event we can’t meet our financial obligations, you may be entitled to compensation from the FSCS up to a maximum value of £85,000.
A fund is a collection of different investors’ money that's all invested in a variety of different assets, which are detailed on the fund’s factsheet.
A fund provides more diversification than investing in shares of a single company. It's a way of spreading the risk and giving your money more chances to grow.
Check out our funds to see which one's right for you.
An approach is another name we use for our ready made funds. It makes them easier to understand and helps you choose which one's right for you.
Check out all our Investment funds.
It’s like an IOU, used by companies and governments to raise money. The buyer lends money to the seller in return for regular interest with the money returned at the end of the term of the bond (maturity date). The value of a bond can rise and fall based on the attractiveness of the income and the creditworthiness of the lender.
It’s a type of bond. Instead of lending money to a company, it’s lent to the UK government.
It’s a pool of money gathered by a company from investors. It’s used to buy, manage or invest in property and land to generate income. While the value rises and falls with the stock market, over the medium to long-term it provides the benefits of owning real estate without needing millions to invest.
A fund of funds is an investment fund that invests in other funds, rather than directly in stocks, shares, bonds, etc. It’s a good way to lower the risk through diversification, and give your money more ways to grow.
Each fund in the product you hold with us is divided into units. When you pay money in, we buy units for you. When you take money out, or when paying account charges, we sell units for you. These are known as trades. We ask the fund manager to place trades for you. The fund manager sets the fund price on each business day. The price of units will change over time, because it depends on the value of all the assets in the fund.
Sorry to hear that. We'll try to help if we can, just get in touch.
To help make our on-screen text easier to read you can change its colour, font and size. Just follow these links:
- For Microsoft Edge
- For Mozilla Firefox
- For Google Chrome
If the browser you're using isn't listed above, please check its Help section to find out how to make those changes. Some browsers will let you use your own text style instead of ours, together with other helpful accessibility options.
Braille, large font and audio
We can provide the following options for all info about our products:
- Large print
- Braille (Universal English Braille, contracted or uncontracted)
- Audio CD
We're happy to explain any of our printed letters or anything within our Online Service, if you need us to.
For more info, or to request a different format, just get in touch.
Using our site with the help of screen readers
There are apps and software you can download that will read out the content of our website, such as:
- JAWS
- NVDA
- Voiceover
Help with reading a PDF
Sometimes, you'll find info on our website in a PDF format. You'll need Adobe Reader® on your computer to read that. If you don't have that software, you can download it for free from Adobe's website. To read PDFs with a screen reader you can link to the Access Adobe website which offers useful tools and resources.
You can call us with Text Relay
The Relay UK Service can help if you can't hear a voice on a phone call, if you need time to hear everything the other person is saying, or if the person you're speaking with has difficulty understanding what you're saying.
To find out more about Text Relay, visit the Relay UK Website.
Using your voice instead of a keyboard and mouse
Your computer or device can be set up to use spoken words to control your browser and other software.
Have a look in your settings for voice recognition, speech recognition or dictation options. For more advanced voice recognition software, you might want to try Dragon Naturally Speaking.
Let us know what you need, so we can offer you the right support. We can also share details of appropriate organisations who may be able to help.
If you need help managing your Virgin Money Investment Accounts, you might want to consider appointing someone to do that via a Power of Attorney. Just get in touch if you want to do this.
Yes, if a Power of Attorney has been put in place to manage your affairs, they'll need to contact us. We'll explain to them what paperwork we need before they're allowed to manage your Virgin Money Investment and Pensions Accounts.
We always try to provide the highest standard of service, but sometimes things go wrong. When they do, we work hard to put them right as quickly as possible.
If you’re unhappy with something, please get in contact with us.
Opened an account before 1 January 2023
We made some exciting improvements to your account and Online service on 8 January 2024. Here you'll find Q&As about those changes.
If you know the sign in details you used before 8 January 2024 then head to the sign in page. Input your previous sign in ID in Username and your PIN in password.
You'll need to confirm a couple of new details, so that we know it is you. It'll take just a couple of minutes. If your account is locked or you need any help just give us a call on 03455 28 88 88 or start a webchat from the sign in page.
If you've forgotten your sign in details, or to register for online service if you haven't used it before follow the online instructions Link opens in a new window and we'll post you a PIN to get set up. This takes a couple of days - we do it this way to keep you safe.
If your previous sign in details aren't recognised - your details are case sensitive, so please check the case you used when you originally set them up. If you're still having problems please request a PIN Link opens in a new window to register - you'll need your account number starting VIR number from an old statement.
If you don’t know your previous sign in details - please request a PIN Link opens in a new window to register - you'll need your account number starting VIR from an old statement.
If you requested a registration PIN but it hasn’t arrived - We'll send your registration PIN as soon as we can, to the address we hold on your account. If you've changed address please call us on 03455 28 88 88 to update your details. Your PIN may take up to 5 working days to arrive. If it hasn't arrived after this time you can request a replacement PIN Link opens in a new window.
If the PIN you received in the post doesn’t work - Your PIN will expire 14 days after issue. If you haven't used it within this time please request a replacement PIN Link opens in a new window.
If you don’t know your VIR account number - You'll find your VIR account number on any letters or statements that we sent to you before the end of 2023.
Yes. With our new service we’ll send information securely to your account and put it in the post too. To turn off paper just sign into Online Service and choose Go paperless from your homepage or Profile.
If you previously had a separate contracted out pension, we've merged this with your other pension from 8 January 2024. If they previously had different retirement dates, then we set them to the earlier retirement date. You can change your retirement age at any time using Online Service. Or get in touch and we'll change it for you.
No. For information and help please call us on 03455 28 88 88 or write to us at Virgin Money Investments and Pensions, PO Box 24204, Edinburgh EH3 1JP.
Pension rewards and offers
Virgin Red is Virgin’s free-to-join rewards club. Shop your favourite brands and earn Virgin Points to spend on good stuff from the Virgin family and beyond. From food to flights, gigs to gifts, days out to nights in – there’s something for everyone. If that sounds like a bit of you, sign up to Virgin Red Link opens in a new window and start earning today.
You could earn 10,000 to 125,000 Virgin Points if you transferred a pension to your Virgin Money pension during our summer promotion (offer closed 23 August 2024). If you qualified, we’ll email you your Virgin Points promo code in January 2025.
No. Once you’ve redeemed your promo code, your Virgin Points appear in your account and you’re good to go. Because they don’t expire, you’ve got plenty of time to decide how to spend them. And that’s a good thing because there’s loads of exciting possibilities to choose from, ranging from everyday treats to extraordinary experiences and everything in between. Log in to the Virgin Red app or check out the Virgin Red website to explore your options.