In this section

Our Limited Access accounts explained

Simply put, a limited access account offers you a better rate of interest if you don’t need access to your money straight away or feel that you could limit the number of withdrawals you make on your account.

The accounts are usually variable and you can add to them over time (unlike some of our fixed term accounts).

Who are Limited Access accounts for?

If you are able to give an agreed amount of notice before taking any money out, or feel that you could limit the number of withdrawals that you make, a Limited Access account could be right for you as you’ll get a better rate of variable interest than you would with an Easy Access account.

What is a Limited Access account?

Limited access accounts are quite simple - by limiting the number of withdrawals you make or by giving us notice before you do so, you could earn a higher rate of interest than with an easy access account.

Typically, we have two types of limited access accounts; Defined Access accounts and Notice accounts. Defined Access allows unlimited withdrawals, but if you make more than 3 withdrawals in a calendar year, your interest rate will reduce; but only until the year end, when it will return to the headline rate. Notice accounts require you to give us a defined period of notice before you access your funds.

What makes a Virgin Money Limited Access account better?

  • You have the freedom to access your savings but don’t need unlimited or immediate access.
  • You get a better rate of variable interest than you would with an easy access account.
  • You can pay in money whenever you like.
  • You get the same rate if you open an account online, over the phone, by post or in Store.
  • Get your interest paid monthly or annually.

View our Limited Access accounts  

What next?

Find an account online

View all our savings accounts online and apply for one now.

Book a Store appointment

Come into one of our Stores and talk to us about our accounts.

Talk to us over the phone

Call us to discuss our range of accounts on 0345 600 4466.

Call charges and information

NumberCost
03 numbersSame as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
084 numbersMaximum of 7p per minute, plus your phone company's access charge.
087 numbersMaximum of 13p per minute, plus your phone company's access charge.
0800 numbersFree from UK landlines and personal mobile phones.

Calls may be recorded for training and quality purposes.

Looking for something else?

Cash ISAs

As you don’t pay tax on the interest you earn, it’s a great way to make the most of your savings.

Read more about Cash ISAs
 Link opens in a new window