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. View our contact centre opening hours.
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. View our contact centre opening hours. 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. View our contact centre opening hours.
Yes, it is straightforward to transfer a balance you can do this online, or by calling us on 0800 011 3210. View our contact centre opening hours.
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.
A one‐time passcode is a unique six 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.
We’ll never call, email or ask you for your one‐time passcode, so please don’t share it with anyone. One‐time passcodes are used to register for our Online Service, sign in to or change details on your online account, verify some requests you make and to confirm it’s you when you make a card transaction online.