You can only open an ISA in your name however some of our other savings accounts can accommodate joint account holders:
When completing the online application, all joint customers must be present. Each customer will be required to register or sign in, and when doing so they should select the ‘joint’ option. View our online accounts.
Accounts already open
If you already have an account with us and would like to add someone else to make it a joint account, the person who wishes to be added should:
- Register online with us Link opens in a new window
- Once signed in, send us a message with the Customer ID of the other party and their existing account number.
The person who holds the account should:
- Sign in and send us a message with the new person’s Customer ID and confirm you would like them to be added to your account.
Once we have received messages from both customers, we will contact you both back to confirm further information, before making the account a joint account. We’ll let you know once the change has been made.
Make sure your Virgin Money Cash ISA is open and able to receive deposits (for Fixed Rate Cash ISAs we must receive all money including transfers in within 30 days of your account opening date).
You can transfer an existing Cash ISA and a Stocks & Shares ISA into a Virgin Money Cash ISA.
If you're looking to transfer your existing ISA to a Cash ISA with us, please complete the four steps on our ISA Transfer Service page
Once you’ve followed these steps you can sit back and relax – our ISA team will take it from here. From receiving your request we’ll contact your current provider within 5 business days, and they will send us your ISA and a transfer history form within 5 business days. Following this, within 3 business days we'll deposit the funds into your new Virgin Money Cash ISA. Interest will be earned from the date of the cheque, from the date the funds were sent to us, or day 16 of the process if earlier. For Stocks and Shares ISAs the process may take longer.
We accept Faster Payments in to all of our savings accounts – simply check with the bank the payment is being made from before you arrange the transfer to see what their Faster Payment transfer limit is.
Online accounts (8 digit account numbers)
You can send a Faster Payment across to your account by using the sort code of 08-60-64 and your 8 digit account number.
Postal accounts (12 digit account numbers with a letter in the middle)
You can send a Faster Payment across to your account by using the sort code of 08-61-15, our account number of 00000515 and then your 12 digit account number as the reference.
Online accounts (8 digit account numbers):
You can send a CHAPS payment to your account by using the sort-code of 08-02-65 and your 8 digit account number.
Postal accounts (12 digit account numbers with a letter in the middle):
You can send a CHAPS payment to your account by using the sort-code of 08-02-65, account number 50048407 and then your 12 digit account number as the reference.
Just make the cheque payable to yourself, pop your account number on the back and post it to us at Virgin Money, Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL.
There are some changes being made to the way we and other banks process cheques from October 2017. You can find out more below.
What is changing and when?
Instead of exchanging physical cheques, banks will exchange digital images of cheques, meaning the whole process will speed up. The changes are expected to be fully implemented across all UK banks later in 2019.
What does this mean for me?
When writing a cheque to someone, the money may come out of your account a lot quicker than it does today. Therefore it is important to ensure that the funds are available in your account on the day the cheque is written. Similarly, when paying a cheque into your account from someone else, the funds may be available in your account a lot quicker. The exact number of days taken to clear a cheque will vary from bank to bank. The quickest will be two days, with the longest being six days.
How will I know if a cheque has cleared?
You’ll be able to get confirmation as to whether your cheque has cleared in the same way as you do today, by using our online service, checking at a cashpoint or by calling us on the best number below;
- Current Accounts – 0345 600 6103
- Savings Account (postal & store) – 0345 600 7301
- Savings Accounts (online) – 0345 608 1604
- Mortgage Accounts – 0345 602 8301
Want to find out more?
You can find out more about the changes here PDF opens in a new window
You can pay cash into your account by visiting one of our stores, please check that cash handling is a service available in your local store. Find your nearest store
If your password has been entered incorrectly three times you will automatically be locked out of the system. If this happens, you will be asked three security questions and as long as you correctly answer them all, a one-time password will automatically be sent out to you by email.
If you’re not sure of your password, you can still request for a new one to be sent out automatically. Just enter your Customer ID to sign in and click on the ‘Forgotten Password?’ option on the right hand side of the page.