If you have forgotten your online service password, you can reset this online.
- Proceed to the Online Service login screen, enter your Customer ID and select 'Sign in'
- On the ‘Enter Password’ screen there is a link titled ‘If you can’t remember your password or passcode please reset it here now’
- Please click this link and you will be navigated to the reset password / passcode screen
- If you have locked yourself out of our Online Service please call us on 0800 011 3210. We’re here 24 hours a day, 7 days a week
You can make payments by the following methods:
Direct Debit – You can make payments by Direct Debit on a monthly basis, the Direct Debit will collect on your monthly due date. You have the option to pay the minimum payment, a regular fixed payment or the full statement balance. Please remember your Direct Debit will be collected regardless of any additional payments made. You can set up or amend a Direct Debit online by logging on to Online Service or calling one of our Customer Service advisors.
Please Note – If a statement has already been produced and you set up a Direct Debit online. The Direct Debit will not take effect until the following month.
Debit Card – You can make a one-off debit card payment through our Online Service by choosing ‘Payments’ from the menu, then ‘Pay by Debit card’ and following the instructions on screen. If you would prefer to make a payment by debit card over the phone, just call us on 0800 011 3210 and you can use our automated phone service or speak to our customer service team. We are here 24 hours a day, 7 days a week. You can also register your Debit Card with us online, so we can collect your minimum payment when you text ‘PAY’ (and the last 4 digits of your 16 digit credit card number) to 88300. Please make payments at least three business days before payments are due. Your payment will be applied to your account the next business day. Business days are Monday to Friday, 9am to 4pm, except for bank holidays or public holidays.
By Post – To make a payment by post, please send a cheque payable to 'Virgin Money’ and include your 16-digit Virgin Money Credit Card number in the payee line. Write your full name and address on the back of the cheque and send it to:
VM Credit Card Payments
PO Box 492
Newcastle Upon Tyne
Please note, we are unable to accept cash payments by post.
Using your bank account – To make an electronic payment you will need to use sort code 40-64-25, bank account number 41320424 and quote your 16 digit Virgin Money Credit Card Number as the payment reference. If the payment is made by Faster Payment the funds will be added to your account within two hours of receipt of the funds.
Your first payment will be due 20 days after your first statement is produced, you will receive an e-mail when your first statement is ready to view online. Alternatively, you can arrange paper statements by logging into your online service or by calling our Customer Service Helpline on 0800 011 3210. We are here 24 hours a day, 7 days a week.
Yes, it is straightforward to transfer a balance you can do this online, or by calling us on 0800 011 3210. We are here 24 hours a day, 7 days a week.
Remember though, you will need to do this within the first 60 days for you to receive the introductory balance transfer offer. You can use our balance transfer calculator to find details on our introductory offers, including any fees we charge. Don’t forget – promotional offers start from the date your account is opened, not from when you transfer your balance.
You can change your address online by logging on to our Online Service, selecting the ‘Services’ tab then ‘Update address’.
Alternatively, you can call our Customer Service Helpline on 0800 011 3210 and change your address with one of our agents. We are here 24 hours a day, 7 days a week.