Most popular questions
If you've got one of the following accounts, you can register for cashback:
- M Plus Account
- Club M Account
- M Account
- Current Account Control
- Current Account Tracker
- Private Current Account
- Virgin Money Credit Card
- Virgin Atlantic Credit Card
You can view all available offers in the Virgin Money Cashback section of the app. Once registered, all you need to do is spend and you'll earn cashback on offers automatically.
Once you've got some Available Cashback, it should take three to five days to send the money to your bank account or credit card.
Cashback offers
To get the most from Virgin Money Cashback it’s best to stay up to date on current offers and promotions. The easiest way is to sign up and receive our latest promotions and offers by email, push notifications or check within the app.
Offers usually last for a limited time. Each offer will come with its own terms and conditions which will set out any rules about how much cashback you’ll earn and what you need to do. For example, the purchase might need to be online.
Your offers are based on how you spend and what we know about you. We update offers regularly, so something you like might be just around the corner.
Cashback can only be earned during the offer dates. Please keep an eye on the expiry dates - they're shown in the app.
No, all offers are tailored to you and will be the same cashback offers for spending on your credit card or current account.
You won’t receive cashback if we can’t link the purchase to your card automatically. This can happen if you use another company to help make the payment – like when you add your card to their account and then pay using their account. Or if you connect your card to another provider and then spend using the card they give you. In order to make sure you receive cashback, it's best to use your Virgin Money debit card or credit card directly or to pay using your card in Apple Pay or Google Pay.
Earning and withdrawing cashback
If you're ready to cash in, you can do this in our app. You can transfer cashback directly to your the Virgin Money current account of your choice, or trade up for an e-Gift voucher with selected merchants.
If you don't have a Virgin Money current account you can pay directly to any UK bank account.
If you have a Virgin Money credit card you can also pay your cashshback direct to your card.
The cashback you've earned will be shown in the Virgin Money Cashback pages of our app. This includes cashback on its way which we call Future Cashback, and Available Cashback.
Once you have registered for Virgin Money Cashback you can check what offers are available within the app and any transactions with these merchants will automatically earn you cashback. You will earn a percentage of your transactions as cashback which you can see within the app. For all current offers and redemption options, log into the app for more details.
No, you can transfer the whole amount or just part of your cleared cashback balance.
Payments will show as VM Cashback.
Future Cashback takes up to 35 days to be added to your Available Cashback after you've made an eligible transaction
If you have any missing cashback, from the cashback section of the app, please use the 'Report missing transaction' button from within the statement section and submit the details required. We'll look into it and get back to you within 10 working days.
If you receive money back from a retailer for any reason, you won't earn cashback on that amount.
General questions
Yes, Your cashback is available to be used however you like. You can use your cashback to pay to your registered Virgin Money current account or Virgin Money credit card. You can also exchange your cashback for e-Gift vouchers at participating merchants.
Absolutely. They will earn cashback in the same way.
Don't worry, you'll still earn cashback on purchases with valid offers. If we need to do any unplanned work, we’ll do our best to fix it ASAP.
You'll have to wait for the app to be back up before you can make a redemption.
You can view the terms on our Virgin Money Cashback terms and conditions page.
Yes, your balance will now show as one total balance and can be viewed across both the mobile banking and credit card app
No, whenever you see your Virgin Money Cashback balance this will be the total amount across all cards.
You can let us know your marketing preferences in either app. Either way, we'll use your most recent preferences for all your cashback offers.
If something has gone wrong, we want to fix it.
If you want to discuss your current account cashback, phone us on 0800 121 7365.
If you want to discuss your credit card cashback call us on 0345 266 1244."
Current account cashback
If you haven't already registered, go to the Discover section in the main menu and select Virgin Money Cashback. You'll earn cashback on available offers using the current accounts registered in the app.
Yes, With a joint current account, both account holders can sign up to Virgin Money Cashback in the Virgin Money Mobile Banking app. You can each earn cashback on your spending with your own cashback account.
Just remember, some current account cashback is related to the account rather than any account holder. Only one account holder will receive cashback on offers like Direct Debits, or bank account switches made through the Current Account Switch Service. To see who this account holder is, visit your cashback account profile in your app. You can change who receives account level cashback once every 30 days.
Log into the app to check what Direct Debit offers are available to you. Please read the terms for any Direct Debit offers, as they can differ depending on merchant or promotional offer.
Just remember, Direct Debit cashback is related to the account rather than any account holder. Only one account holder (called the 'nominee') will receive cashback on Direct Debit offers. To see who the nominee is, visit your cashback account profile in your app. You can change who receives account level cashback once every 30 days.
Once you sign up for Virgin Money Cashback, all your current accounts will be automatically registered so you can start earning cashback across all your current accounts straight away.
Virgin Money Cashback is only available through our mobile app - the quick and easy way to manage your current account. Download the app on any iOS & Android device, including tablets.
Yes, you can each earn cashback on your spending within your own cashback account. Just remember, some cashback - like offers on Direct Debits or Current Account Switch Service switches - is tied to the account rather than one person. Only one person (called the 'nominee') will receive the cashback. To see who this account holder is, visit your cashback account profile beside your Available Cashback balance.
Credit card cashback
Virgin Money Cashback is available through our mobile app - the quick and easy way to manage your credit card account. If you can't access it, we can register you. But be aware you won't be able to view current offers and the cashback you have earned.
Yes, you can get cashback as well as points. How great is that? Cashback is earned on purchases with existing offers - you can find these in our app.
If you're ready to cash in, you can do this in our app. You can transfer cashback to your UK bank account or send it to your Virgin Money Credit Card. It won't count towards your Requested Payment though.You can also trade up for an e-Gift voucher at participating merchants.
No - but it will come off the amount you owe. Don't forget to keep paying the Requested Payment on time and in full. Remember, card purchases may be subject to interest charges. It's best to try and pay off as much as you can afford each month. Direct Debit is the simplest way to pay. You can set one up and change it easily in the app.
If you haven't already registered, go to the More menu in the app to find the Virgin Money Cashback pages. You'll earn cashback on available offers using the credit card registered in the app.
If you’ve got more than one Virgin Money or Virgin Atlantic Credit Card account, you can have a separate Cashback account for each card. Once your card is set up on the app, just switch to your new card by going to the Card menu. Next, go to the More menu and manage your cashback for that card too.
Absolutely. Once you've registered for Virgin Money Cashback in the app, any additional cardholder spending will qualify for cashback if there's a valid offer.
Closing your cashback account
We're sorry if you want to close your Virgin Money Cashback account.
In the Virgin Mobile Banking app, you can do this in the My Profile section. You'll find it on the top right of your screen when you first log in to the app, right beside beside your Virgin Money accounts. if you are a Virgin Money credit card customer, please call us on 0800 328 3579. If you are a Virgin Atlantic Credit Card customer, call 0800 328 3578.
Remember if you are registered for cashback on both your current account and credit card, you need to close all accounts separately.
It’s a good idea to check your balance for Future Cashback and Available Cashback before you close your account. When your cashback is Available Cashback, you can move it to a bank account or exchange it for an e-Gift card. If you don’t, you will lose it.
Start earning Cashback
Open any of our current accounts or credit cards to see the latest offers
View current accounts View credit cardsThe Virgin Money Credit Card is issued by Clydesdale Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 177 Bothwell Street, Glasgow, G2 7ER. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.