|Load your card||Days to clear||Cost|
|At any Post Office®||1||FREE|
|By debit card at myvirginmoney.com*||2||FREE|
|By direct transfer from your bank account||1||FREE|
|By credit card at myvirginmoney.com*||2||2.5%|
|At any shop or garage where you see the PayPoint logo ||Usually immediate||2.75%|
*Debit or credit cards used to load money onto your Virgin Money Prepaid Mastercard using our online service need to be registered with your bank for 'Mastercard Secure Code' or 'Verified by Visa'.
Please note, for security reasons, it’s not possible to load up a Virgin Money Prepaid Mastercard online using a debit or credit card if we've had to issue you with a restricted card. This could be because we’ve been unable to carry out a full ID check to verify your identity. If you top-up a Virgin Money Prepaid Mastercard with more than £600 directly from your bank account, we may ask for identification before we load up the card.
If we receive the funds on a business day, we will update your balance as soon as the funds are received on the same business day, or within two hours. If we receive the funds on a day that is not a business day, we will update your balance at the start of the next business day.
To top up by direct transfer from a bank account, you'll need the following details when setting this up either online or when visiting your bank in person:
Payee: Virgin Money Direct Deposit
Account number: 10055654
Sort code: 20-03-53
Payment reference: The 14 digit account number on the back (top left) of your card (you must include this).