Top up your savings whenever you like
Our Access accounts are really simple - you can add to them anytime so they're great for anyone that plans to save regularly.
What's the difference?
Easy Access accounts are the most flexible way to save, as they let you take money out as little or as often as you need to.
Limited Access accounts still allow you to access your money but only a set amount of times. In return for limiting your access you will usually receive a higher rate of interest. Worth considering if you know you won't need to dip into your savings very often.
Our Easy Access and Limited Access accounts pay a variable rate of interest, which means the rate could change.
If you want something fixed yet flexible, our Regular E-Saver offers a fixed rate of interest whilst letting you save monthly (up to £250) and withdraw from your account whenever you like.
Frequently asked questions
Paying interest on the tax earned depends upon the type of account you have and your Personal Savings Allowance.
For general savings, basic rate tax payers won’t pay tax on the first £1,000 of interest they earn. The allowance is £500 for higher rate tax payers, and additional rate taxpayers won’t receive an allowance. With a Cash ISA you can save tax-free up to your annual ISA allowance, currently £20,000. The tax year runs from 6 April to 5 April the following year.
Find out more about Personal Savings Allowance.
Easy Access accounts are really simple – you don’t need to give notice before you make a withdrawal, and you can add money to your account at any time. You can open an Easy Access account with us online, in Store, over the phone or by post.
You can open a Limited Access account with us from as little as £1, and pay money in anytime.
You can also take money out, although the number of times you can do this is restricted. But at the start of every new calendar year, your withdrawal count is re-set to zero.
Most of our access accounts pay a variable rate of interest, which means that the interest rate on your account can go up as well as down.
We may increase your rate without telling you first so that you get the higher rate more quickly, but we'll be sure to tell you about it as soon as possible.
If you have a payment account and your rate is decreasing, we'll get in touch two months' beforehand to let you know, you can close or transfer your account anytime, without charge.
If you have a non-payment account we'll get in touch at least 14 days' beforehand to let you know, you can close or transfer your account within 30 days of us letting you know without charge.
Prefer to talk to us?
Book a Store appointment
Come into one of our Stores and talk to us about our accounts.Request an appointment
Get in touch
Call us to discuss our range of accounts on
0345 600 4466
We're here from 8am to 6pm Monday to Friday, 8am to 2pm Saturdays and 10am to 1pm Sundays.Call charges and information
|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.|
Save with confidence
As we are covered by the Financial Services Compensation Scheme, savings with Virgin Money are covered up to £85,000 per person.View the FSCS guarantee