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We participate in the unclaimed assets scheme established under the Dormant Bank and Building Society Accounts Act 2008. The purpose of the scheme is to enable money in dormant accounts (i.e. balances in accounts that have been inactive or dormant for 15 years or more) to be distributed for the benefit of the community while protecting the rights of customers to reclaim their money.

Under the scheme, we may transfer balances of dormant accounts to Reclaim Fund Ltd (RFL). RFL is a not-for-profit reclaim fund which is authorised and regulated by the Financial Conduct Authority.

If we transfer the balance of your account to RFL, you will have against RFL whatever right to payment of your balance you would have had against us if the transfer had never happened. However, we will remain responsible for managing all aspects of the customer relationship with you and for handling all repayment claims (which we will do on behalf of RFL). Therefore, you should continue to contact us in the usual way if you have any queries or complaints in relation to your account or balance.

Both Virgin Money and RFL participate in the Financial Services Compensation Scheme (FSCS). The transfer by us to RFL of your balance will not adversely affect any entitlement you have to compensation from the FSCS.

If you believe you have any Virgin Money accounts that you may have lost touch with you can contact us directly and we can check your details and reactivate any dormant accounts.

Please note: that you may be asked for evidence of your identity. These measures are for security and to protect you.

Alternatively, there is a free website service, which helps you trace your lost/forgotten accounts. This has been brought together by the UK Finance, the Building Societies Association (BSA) and the National Savings and Investments (NS&I). To complete an electronic account tracing form or to download a dormant account tracing form please visit the website Link opens in a new window.

The form can be sent directly to the UK Finance, BSA or NS&I or to Virgin Money.

Send your form to Virgin Money at:

Virgin Money
NEA 3780
Newcastle upon Tyne

Our telephone contact details are:

0345 600 7301 - If you opened your account with Virgin Money.

Lines are open:
Monday to Friday 8.00am – 6.00pm
Saturday 8.00am – 2.00pm
Sunday 10.00am – 1.00pm

0800 028 3632 - If you opened your account with Clydesdale or Yorkshire Bank.

Lines are open:
Monday to Friday - 8.00am – 6.00pm
Saturday - 9.00am – 1.00pm
Sunday – Closed

Phone numberCall charges and information
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.

Calls may be recorded for training and quality purposes.