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Credit Card Fraud

To minimise the risk of fraud, please be very careful with sensitive personal data and alert us as soon as possible if your card is lost or stolen.

Card holders who are innocent victims of fraud are fully covered, and we work hard to detect and protect against fraudulent activity.

Security features to protect you

What's a one-time passcode?

A one‐time passcode is a unique 6‐digit number we’ll text to your mobile. It can only be used once, and for security reasons will only work for a short amount of time. If you have any problems getting hold of your passcode, make sure you get in touch. We might need to check we have the right number for you.

Email confirmation

For additional security, you will receive a confirmation email after key transactions on your account. If you receive a message and you haven’t recently made a transaction, please call us on 0800 011 3210.

Mastercard® Identity Check™

Your card will be automatically registered for this service, which helps protect your Virgin Money Credit Card when you use it to make online purchases.

To complete your online purchase you may be asked to enter a one-time password which we’ll text to your mobile phone.

This security feature protects against unauthorised use of your card with specific retailers, and aims to increase confidence when shopping online.


Staying safe online

For tips and advice to keep your money safe, visit our fraud information centre.

Find out more about staying safe online