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Online Service Terms and Conditions

These conditions govern the use of online service for your Virgin Deposit Account, Virgin ISA, Virgin Unit Trust and Virgin Stakeholder Pension.

In these conditions, you are the customer and we are Virgin Money. If you have a joint account, references in these conditions to 'you' include both of you, together and separately.

The following paragraphs should be read in conjunction with the existing product Terms and Conditions. We may vary these Conditions from time to time and we will advise you of any changes.

Where applicable, the term 'instructions' includes electronic instructions using your security details.


1a You will be provided with an internet ID (this will be provided when you register online and sent by email) for use in accessing online service. You will also be issued a temporary PIN (Personal Identification Number) by post. You'll be prompted to change your temporary PIN when you first log in.

1b Each time you access online service you will use your internet ID together with your PIN. We will only accept instructions if your internet ID and PIN are used as requested by our security system.

1c You will be responsible for all instructions received by us between the time access to online service is permitted by the security procedure being completed successfully and the time the online service session is ended. Please note that this includes any input errors or instructions sent by someone other than yourself so please do not leave your computer unattended while you are logged on to our site.

1d While we will make reasonable efforts to provide online service, we will not be liable for any failure to provide the service for any cause that is beyond our reasonable control. If for any reason the service is unavailable you should use the telephone service instead.

1e We may, where we consider it appropriate for your or our protection, suspend, withdraw or restrict the use of online service. We will tell you as soon as practicable if we take such action.


2a You must keep your internet ID and PIN secret. You must never write down or record on any device your internet ID and PIN in any way which could be accessed and understood by someone else.

2b You must call us immediately on 03456 10 20 30 if you think someone else knows of your security details.