Easy Access Cash ISA Exclusive

Interest is calculated on a daily basis and paid into the account on the last working day in December each year. Or, when you close your account if that's earlier.

Yes. We can change interest rates at any time. If we reduce your interest rate, we'll tell you at least 2 months before it happens. We can increase your interest rate without giving you notice. You can find more details about this in your Terms. Remember, you can always check the interest rate for your account anytime, (even when the product is no longer on sale) by visiting the existing customer section of our website.

This is an example for info only. We've not considered your individual circumstances. We've assumed that you haven't taken any money out or paid any more in, and interest has been added to your account. This projection uses the AER.

• You can only open this account online or in one of our Stores.
• You must be a UK resident aged 18 or over. UK residents who are 16 or 17 and already have a fixed rate Cash ISA with Virgin Money will be allowed to select an appropriate Cash ISA to reinvest their funds into at maturity. Check our Terms for guidance if you're a UK Government employee working overseas.
• You also need to have a current account with Virgin Money which was opened on or after 4 December 2019. Or, you originally opened your current account with Clydesdale Bank, Yorkshire Bank or B such as a Signature Current Account.
• There is no minimum amount required to open and maintain this account.
• Each tax year you can save up to your annual ISA allowance, which is £20,000 in the 2024/2025 tax year. This may change in future tax years. We'll put this info on our website and in our Stores, so you know. But you could also check the HMRC website. Remember, the annual ISA allowance amount can be spread across other ISA types you may have. If you are paying into another type of ISA in the same tax year, payments to that ISA will also be included in this annual ISA allowance.
• If you pay any money into the account that takes the balance over the maximum annual ISA allowance limit, we'll need to return to you the amount you've paid in over the maximum allowance.
• Paying into your account can be made by:
  • Cash (at most of our stores)
  • Cheque
  • Electronic transfer
  • You can also transfer an existing ISA to us from another provider
  • Transfer money from an existing account with us (subject to the terms and conditions of that account).

• You can manage your account by:
  • Writing to us
  • Talking to us in store
  • Calling us (as long as you're registered for telephone banking)
  • Using internet and mobile banking (as long as you're registered for thee services).

• You can take money out of your account whenever you want. And there is no need to give us notice.
• As this is a flexible ISA, you can take money out from your account and put it back in (most of the time) without it counting towards your annual ISA allowance. Remember, any money you put back in must be in the same tax year it was taken out. You can only replace previous years’ money back into the same ISA with your original ISA provider. If you close or transfer your ISA, you will lose the ability to replace it.
• You can withdraw money using your internet or mobile banking, by calling us, writing to us or talking to us in Store.
• Remember that any money you take out of your ISA will no longer benefit from the tax treatment an ISA receives unless it is transferred directly to another ISA by your ISA provider

• This Easy Access Cash ISA Exclusive is exclusive to our eligible current account customers. If you close your eligible current account we'll transfer this account to another Easy Access Cash ISA. We'll write to tell you and if you're not happy you're free to close your account.
• When you close your account to retain your ISA tax benefits, your ISA provider needs to transfer your money directly to another ISA provider.
• This is a limited issue account. We can withdraw it at any time without notice.
• Please remember the tax treatment of ISAs depends on your individual circumstances and may change in the future.
• You can only subscribe to one Virgin Money Cash ISA in each tax year. But you can also transfer all or part of previous tax year’s Cash ISA into this account. Check the Terms for more info.
• You can cancel your account within 14 days of opening. Your money will be returned in full with interest.