Balance transfer credit cards

Paying interest on other credit or store cards? You could save money by transferring the balance to a Virgin Money Balance Transfer Credit Card.

Use Card Checker to see if you'll be accepted for a card

Our checker is a quick way to see your chances of being accepted for a card, and it won't affect your credit rating.

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Use our handy calculator to find the best card for you

The amounts here are illustrative and based on:

  • The information you give us;
  • Your payments being made on time;
  • Transfer being made at account opening;
  • No further transfers or payments.

If any of these change when you use your new card the amount you pay might be different from what you see here.

To get the promotional rates shown just make sure you make your transfer within the first 60 days, stay within your credit limit and make the minimum payment on time.

In some months your minimum payment may be higher than the amount you’ve entered. We have assumed the minimum payment is always made in the illustrative cost breakdown below.





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Giving you more ways to manage your money

Transfer a balance

A balance transfer allows you to move a balance of another credit or store card to your Virgin Money Credit Card.

More about balance transfers

Transfer money to your current account

Whatever you need money for, use a money transfer to move funds from your credit card to your current account.

More about money transfers

Make everyday purchases

Our credit cards allow contactless payments for quick and easy purchases up to £30.

Everything you expect as standard

  • A great range of Virgin offers
  • Use worldwide at MasterCard locations
  • No annual fees to pay
  • Manage your account online, and get paperless statements
  • Free use of our customer Lounges
  • Our credit cards come with contactless payments for quick and easy purchases of up to £30
  • 24/7 phone support
  • Earn cashback when you spend through Virgin Money Back

Top questions and answers

Will I be approved for a card?

Before making an application you can use Card Checker to see your chances of being accepted for a Virgin Money Credit Card. It's quick and easy and won't affect your credit rating. All you need to do is give us a few basic details.

If you decide to complete an application we'll carry out a full credit check and confirm whether you've been approved. In some circumstances, we may need some additional information and we'll let you know if this is the case. When making our decision, we'll take into account your age, status and financial background. Before you apply, check the following statements are true:

  • I am aged 18 years or over (the same goes for any additional cardholders).
  • I am a UK resident.
  • I have a UK bank or building society account.
  • I have good credit history.

You won't be approved if you are bankrupt or in an IVA, and it is unlikely that you'll be approved if you have CCJs or defaults and if you have no credit history. If you are unsure of your credit history, then please contact Experian link opens in a new window/tab for a copy of your credit file.

How long will it be before I hear?

We aim to tell you if we have approved your application straightaway. Sometimes, we may need to ask you for a few more details first – if we do, we’ll let you know immediately after you’ve made your application, then get in touch to request the additional information from you.

Is it easy to transfer a balance from another card?

Yes, it is straightforward to transfer a balance online or over the phone. See our contact us page for ways of getting in touch. Remember though, you will need to do this within the first 60 days to receive the introductory balance transfer offer. Plus, the promotional period starts from the date your account is opened, not from when you transfer your balance.

How much is the money transfer fee?

If you are looking to move money from your credit card to your current account and want to find out how much your fee would be, then you can go to our money transfer calculator to work this out for you. All you need to do is enter how much you would like to transfer and we will do the rest.

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We are here from 8am to 6pm, Monday to Friday. Phone us on 0800 389 2875.

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Enjoy Virgin Group discounts

Virgin Money Lounges

We want to build a bank that doesn't see you as just another account number.

That's why we've been busy opening Virgin Money Lounges, exclusively for customers, with free refreshments and WiFi for you to enjoy.

Watch the video Find out more

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If we do not receive the minimum payment when it is due or you go over your credit limit, we will withdraw the promotional rate with effect from the start of that statement period. When a promotional rate ends or is withdrawn, we charge the current standard interest rate that applies to that transaction.

You will not be able to transfer a balance from another Virgin Money Credit Card and should not use your card to repay other borrowing from Virgin Money.

Credit is available, subject to status, only to UK residents aged 18 or over.

Calls are charged at your service provider’s prevailing rate and may be monitored and recorded.

The Virgin Money Credit Card is issued by Virgin Money plc – Registered in England and Wales (Company No: 6952311). Registered office – Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL. Virgin Money plc is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Virgin Money adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board: opens in a new window

Your copy of the Statement of Lender and Borrower Responsibilities PDF opens in a new window