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How it works

Private banking is available to individuals with annual earnings of at least £75,000, joint incomes of £100,000, or investable assets of £100,000. However if that's not quite you, we’re still happy to discuss your circumstances on a case-by-case basis.

Your Private Manager will help you find solutions to your needs by being the gateway to a range of specialist or bespoke services, from current and savings accounts to mortgages.

To access private banking benefits and services you must first apply for either a Private Current Account or Current Account Tracker.


  • Things just got interesting Watch your money grow with in-credit interest on your current account and an optional savings account.
  • Our experts at your service Access to a named Private Manager to help you with your complex financial needs and a dedicated Private team to assist with your day to day banking.
  • Competitive and convenient solutions Foreign exchange solutions that can be tailored to suit your situation and cash flow to allow you to plan ahead.

    View all the benefits and services

Private Current Account or Current Account Tracker


AER1/4.25% Gross2 P.A. variable, interest paid monthly.

Monthly fee


A monthly fee of £25 applies, for maintaining your account and the services of a dedicated Private Manager.

Just remember, the gross rate of interest payable is linked to the Bank of England base rate.3 This is subject to change at any time and will normally be applied on the same or the next business day.

View the rates and fees

Savings that work as hard as you do

Grow your portfolio with our Private Savings Account

View our Private Savings Account
Sun loungers and a parasol on a sunny beach.

An account for the travel savvy

Private Travel Insurance
Worldwide family multi-trip travel insurance from AIG. You’re covered from the moment you book your holiday to when you return.

The cover provided is subject to certain conditions and exclusions. For travel insurance some but not all pre-existing medical conditions are covered. It is important you read the full details before applying. You can view our Private Travel Insurance Policy Wording Link opens in a new window.

Just remember, travel insurance cover is not provided with the Current Account Tracker.
DragonPass Premier+ Airport Lounge Access
6 free visits per account holder per year to over 1000 airport lounges worldwide. Swap an airport lounge pass for a meal voucher at selected airport restaurants. Exclusive discounts at airport restaurants, cafes, spas and nail bars.
More benefits and services

Medical Cover Directory

Access to cover for customers with existing medical conditions

If AIG are unable to provide cover for your medical conditions, MoneyHelper has introduced a directory of travel insurance firms which can help consumers with existing medical conditions access travel insurance that covers their conditions. For example, this might include how you can get cover for a condition that may be currently excluded on your policy or where you are paying an additional premium to cover your medical condition(s).

If you would like further information, please visit MoneyHelper Link opens in a new window or call 0800 138 7777

Money Helper logo
The Virgin Money banking app: private banking account and instant savings account screen.

Get into our amazing app

All the features you expect. Plus a few you don't.

Sign in securely

Your face or fingerprint is the key.

Budget beautifully

Your ins and outs managed and your spending sorted.

Exclusive rewards

Offers, rewards and discounts from other Virgin Brands.

Tap, touch, ta-da!

Pay with Apple Pay and Google Pay.

Apple Pay Link opens in a new window Google Pay Link opens in a new window.
Discover our app

Virgin Money Cashback

Money back in your hands when you shop with top brands

Discover Cashback

The serious bits

If you need one, use our calculator to find out exactly how much it will cost. Subject to status.

More about overdrafts
Rates and fees
See the rates and fees of this account and read our straight-up small print.

Rates and fees
We're all over your online transactions to make sure it's really you making them.

More about security
Protecting your money
Your eligible deposits with Virgin Money are covered up to £85,000 per person.
View the FSCS guarantee

Is this account right for you?

You're good to go if you can tick off this list:

Not for you?

You should consider our Club M Account

View our Club M Account

How to apply

If you're interested in becoming a private banking customer, get in touch and we'll help arrange an option that suits you.

Get in touch

Looking to switch?

It couldn't be easier. We manage everything from start to finish, and it’s all backed by the Current Account Switch Guarantee.

More on switching

Fancy a chat?

Our experts are here to answer your questions, talk through your needs and help you through the process.

Not convenient now?

Book a free callback at a time to suit you

Arrange a callback

Existing customers

Please contact your Private Manager if you have any questions or experience any difficulties with this service.

Call us on

0800 1456 456

We're here from 8am to 9pm Monday to Saturday and 10am to 5pm Sundays.

03 numbersSame as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
084 numbersMaximum of 7p per minute, plus your phone company's access charge.
087 numbersMaximum of 13p per minute, plus your phone company's access charge.
0800 numbersFree from UK landlines and personal mobile phones.

Visit your nearest Store

Find your nearest Store

1 AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year.

2 Gross rate interest payable without taking account of any tax payable. Credit interest is calculated daily on the cleared credit balance in your account.

3 The gross rate of interest payable is linked to the Bank of England base rate as detailed below. This is subject to change at any time.

The gross rate of interest payable on this account is 1% below the Bank of England base rate.

Changes in the Bank of England base rate may be made at any time, will normally be applied on the same or the next business day and will be notified in accordance with the Personal and Private Banking Account terms (download a copy from our useful downloads page).