Highlights
- Earn interest on your savings
- Access your money when you need it
- No charge for withdrawing money in UK
- Manage your account online, by phone or in Branch
Important documents
Please download, read and keep these documents


Save with confidence
We're covered by the Financial Services Compensation Scheme. Savings with Virgin Money are covered up to £85,000 per person.
View the FSCS guaranteeAccount summary box
Please read this information before you transfer to this account
Balance | Gross Rate (%) | AER (%) |
---|---|---|
£1 and over | 1.25 | 1.26 |
We work out how much interest to pay you at the end of each day. This is based on the money in your account. We’ll add any interest on the last working day in March, June, September and December.
Yes, if we decrease your rate we’ll provide at least two months’ notice as described in your terms. We may increase your rate without giving you notice.
Initial deposit at account opening | Balance after 12 months |
---|---|
£1,000 | £1,012.55 |
This is only an example and does not take into account your individual circumstances.
The examples assume that:
- no further deposits or withdrawals are made;
- any interest earned stays in the account; and
- there is no change to the interest rate.
This account is only available for existing products to transfer into at maturity. New applications will not be accepted. There is no maximum balance restriction or need to pay in on a regular basis
You may withdraw funds by using internet/telephone banking, the Virgin Money Mobile Banking app, ATM or in Branch. No notice is required.
Interest will be paid gross.
Before you start
To transfer to Instant Savings Account, you'll need
- Customer number prefixed with ‘M’ e.g. M1012345678
- A copy of your ID document[1]
- A copy of the Transfer of Authority Form
- A copy of the adult's ID document
You can find your customer number in your Maturity Pack.
Download the Transfer of Operation Form and a list of acceptable ID documents for 16-17 year olds.
Ready to transfer?
Click the Upload Documents button to upload your ID, Transfer of Authority Form and the adult's ID.
Where we ask for your Reference Number on the next page please use the word ‘Headstart’ and your surname, for example “Headstart Smith” so we can link up your documents when we receive them.
Upload documents Link opens in a new windowNeed help?
If you need assistance, or would like more information please give us a call on
0800 22 24 26
We're here from 8am to 6pm Monday to Friday and 9am to 1pm Saturdays.
Call charges and informationNumber | Cost |
---|---|
03 numbers | Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. |
084 numbers | Maximum of 7p per minute, plus your phone company's access charge. |
087 numbers | Maximum of 13p per minute, plus your phone company's access charge. |
0800 numbers | Free from UK landlines and personal mobile phones. |
Alternatively you can pop into your nearest Branch where our advisers will be happy to help.
Find your nearest Branch