Find out how much your monthly repayments could be for your chosen loan amount.
Our hub has been designed especially for you, with a wide variety of hints and tips to help you keep your home and contents safe.
If you've been affected by coronavirus (due to illness or self-isolation) and are worried about what this might mean for you financially, there are things we can do to help.
Please get in touch with us as soon as possible so we can discuss your individual circumstances and find ways in which we can support you. The sooner you contact us, the more we can do.
We offer a number of ways to manage your money, including our mobile app and internet banking. If any of those are affected, we’ll let you know. You can check our service status page to see how our services are running.
Stores - If we need to close any of our stores temporarily, we’ll let you know on our website, social media or via email if we hold a valid email address for you.
We appreciate that as a result of coronavirus, you may have some unexpected worries about your finances. Supporting our customers is our absolute priority and we want to help. So if you have any worries about your finances as a result of coronavirus or any other circumstances, please contact us on the phone number on the back of your card and we can talk through your personal situation and consider how best to help, we’re here 24/7. Options could include extending your credit facility and freezing interest payments, we’ll work through the right option for you. Also remember that you can request an additional credit facility via the Virgin Money Credit Card Online service. This service is available to Virgin Money customers only.. The sooner you contact us, the sooner we can provide you with the right support.
We appreciate that as a result of coronavirus, you may have some unexpected worries about your finances. Supporting our customers is our absolute priority and we want to help. So if you have any worries about your finances as a result of coronavirus or any other circumstances, please contact us and we can talk through your personal situation and consider how best to help. From budgeting to payment holidays, we’ll work through the right option for you. The sooner you contact us, the sooner we can provide you with the right support.
We appreciate that as a result of coronavirus, you may have some unexpected worries about your finances. Supporting our customers is our absolute priority and we want to help. So if you have any worries about your finances as a result of coronavirus or any other circumstances, please contact us and we can talk through your personal situation and consider how best to help. Options could include extending your credit facility and freezing interest payments, we’ll work through the right option for you. Also remember that you can request an additional credit facility via the Virgin Money Credit Card Online service. This service is available to Virgin Money customers only. The sooner you contact us, the sooner we can provide you with the right support.
We appreciate that as a result of coronavirus, you may have some unexpected worries about your finances. Supporting our customers is our absolute priority and we want to help. So if you have any worries about your finances as a result of coronavirus or any other circumstances, please contact us and we can talk through your personal situation and consider how best to help. The sooner you contact us, the sooner we can provide you with the right support.
If you hold any product that states in its Terms & Conditions that its interest rates are linked to base rate, then the interest rates will have been reduced on the business day after the Bank of England change. The reductions that took place were by 0.50% on 12th March and a further 0.15% on 20th March 2020.
The Base Rate Tracker products impacted by these changes were;
These new rates were advertised in local and national press and will show on the next statement after the change.
Following the Bank of England base rate changes on the 11th and 19th March, we are lowering the interest rate on some of our variable rate savings accounts. We love to give our savers good value and are confident these new rates do exactly that in the current market.
If your rate is reducing, your letter or email will show your new rate and the date it kicks in.
No - your savings rate is fixed for all of the term. This is usually one, two, three or five years. Any new rates will be advised to you when you receive your maturity information.
Following the Bank of England base rate changes on the 11th and 19th March, some current account products will be subject to a rate change. We love to offer good value for our customers and we’re confident these new rates do exactly that in the current market.
In line with your account terms, if we decrease the rate on your Current Account Direct or Virgin Money Current Account or its linked savings account, you’ll get two months’ notice of the rate reduction. For the linked savings account, we’ll also send you a reminder no more than 14 days before it starts.
If your rate is changing, your letter or email will show your new one and the date it kicks in.
This is an unprecedented situation, with two Bank of England base rate changes very close together. Because of this, we’re lowering the interest rate on a number of our variable rate savings accounts. This change reflects both base rate reductions at the same time. The amount the rate is reduced by differs between accounts so that we continue to offer good value in the market. We’ve also made sure that all affected accounts are paying more than base rate. If your rate is changing, we’ll let you know the new one and the date it starts.
Due to the Bank of England changing rates twice in quick succession, we’ve taken both changes into account when deciding on the new variable rates. The letter you’re getting now covers both rate reductions. We don’t have any plans to reduce rates again at the moment.
As always, we’ll continue to look at the market to make sure your savings account offers good value. And we’ll always tell you about any more changes with the right amount of notice.
Yes – we’re contacting every customer that is affected by this rate change. If we hold a valid email address for you, we will endeavour to advise you by email. If this is not possible or you have not provided us with an email, you will be sent a letter.
Our savings range is reviewed on an account-by-account basis - interest rates may move by different amounts and at different times. This is to make sure they offer good value in the savings market.
We’re writing to customers whose interest rates are going down. For a small number of our accounts, the interest rates are still being looked at. We’ll write to those customers once any decisions are made, giving the right amount of notice.
We haven’t made a decision about the interest rates on some of our savings accounts yet. If we decide to change the rates on these accounts, we’ll let customers know as per their terms and conditions. All rates that are changing are being pre-notified on our website.
We’re sorry when anyone is unhappy. But it’s worth knowing that, as an existing customer, you can open any account that’s available to a new Yorkshire Bank or Virgin Money customer. So, if there’s an account you feel is more suitable, you’re free to open one of those.
During this particularly busy period, please view our savings range online and choose the best online account to suit your needs. You can apply for this yourself and ask us to move your money after.
Alternatively, you can withdraw funds from your savings account or close it.
To open a new current account - you can compare our accounts here
If you want to move to another bank, you can do so with the Current Account Switch Service. It’s a secure and easy way to move in just seven days. If you hold a linked savings account with your current account, remember this isn’t covered by the Current Account Switch Service and you will need to arrange to close or convert this before your switch.
If you would prefer to speak to someone in your local branch, please check Branch opening times before making your journey. We may have reduced opening hours because of the current coronavirus situation.
If you want to serve notice to withdraw from your account or close it, just let us know in writing or by calling in to a branch. If you wish to close your account when the notice expires, please include this information when you send your withdrawal or closure instruction.
Before you contact us
During these difficult times, we're getting more calls than usual. Our priority is to protect our services for customers that need us the most. If your call or branch visit isn’t urgent, please keep the way clear so we can help them first.
Our branches and phone lines are still open. However, as more of our colleagues become personally affected by the coronavirus situation, we’ve made some changes to our opening hours for our branches and contact centres.
If you’re going out, please make sure you follow Government guidelines.
We are here to help so if you are worried about being able to pay for your home insurance due to coronavirus, please get in contact with us as soon as you can. You can email us at firstname.lastname@example.org or call us on 0800 197 1612. We will get back to you as soon as possible to discuss the options available to you. Rest assured all conversations are confidential.
If you are unable to do this yourself or would prefer that we discuss your policy with a family member or friend, we need your permission to do this. Please let us know if this is the case
We appreciate that many people will be using their home as their main work location during the current situation. The good news is that you don’t need to contact us if you are carrying out clerical work from home - such as using a laptop or phone.
If you receive business visitors to your home then there may be some restrictions - such as loss of money or theft that are excluded, unless there is evidence of forcible and violent entry to the property.
If you have Contents cover, it automatically includes office equipment, office furniture and office stationery up to a limit of £5,000.
If you are undertaking non clerical work from home, please email us at email@example.com so we can discuss your needs.
You don’t need to add business equipment (e.g. a phone or laptop) owned by your employer to your personal policy as this will usually be covered under their business insurance.
Any business equipment owned by you can be covered under your policy. Please check your Policy Schedule and Policy Wording for more details and limits.
Our policy usually allows up to 60 days unoccupancy before certain restrictions apply. However, you do not need to let us know if your home will be unoccupied due to coronavirus.
If you are planning to leave your property unoccupied, here are some tips to help keep it safe:
No, you don’t need to tell us if you are home more often because of the virus.
If the home is occupied by anyone other than you or your family, certain restrictions apply. However, we will waive these restrictions if your friend or carer is staying with you as a result of coronavirus. If your friend or carer continues to stay with you after self-isolation finishes, you must let us know so that we can update your policy.
Yes, we will cover personal belongings temporarily removed from your home during self-isolation if you lose them, they’re damaged in a fire or stolen. Please check your Policy wording for a full list of what we do and don’t cover, and details of policy limits.
Yes, we will continue to cover your items under normal terms while you have to self-isolate.
Please provide us with a valuation as soon as you can once restrictions are lifted. Details of how to do this are included in your policy documentation. In the meantime, you will be covered and we will send you a reminder at a later date.
You could also send a receipt if this is available by emailing us at firstname.lastname@example.org and we advise that you take photographs of the item(s).
If you find you have missed your renewal date due to issues relating from coronavirus, then please email us on email@example.com and we will do what we can to either reinstate your policy or arrange a new policy for you as soon as possible.
Please email us at firstname.lastname@example.org to let us know if this is the case.
Please email us at email@example.com to add high value items to your policy.
Please email us at firstname.lastname@example.org.
Your policy booklets can be accessed here.
You can submit a home insurance claim by calling 0800 197 1610
We are working with our suppliers to keep any disruption to our claims process to a minimum. However, our repairers will keep you updated if there are any possible delays relating to your individual repair, such as a delay to sourcing parts or materials.
If your policy needs to be renewed within the next 24 hours or if you need to make changes to your policy please email us at email@example.com
For any non-urgent queries that do not require an answer within 24 hours, please email us at firstname.lastname@example.org and we’ll do our very best to get back to you within 3 working days. Your patience during this time is greatly appreciated.
As a consequence of the outbreak of coronavirus and the need to direct available resource to urgent tasks (such as processing repayment holiday requests or requests for temporary overdraft extensions), the DSAR handling operation has temporarily closed. We will keep this under review and respond to your request when we can but, at the moment, we are unable to provide a response. We appreciate this will be frustrating but please understand that we are working to prioritise the acute financial concerns of our customers directly impacted by the coronavirus pandemic.
All requests received up until 23rd March have been logged on our internal system. When the DSAR office reopens requests will be worked in order of date received and a response issued as soon as possible.
All requests submitted after this date are still being delivered to the Bank and will be progressed by the DSAR team when the office reopens. When the DSAR office reopens cases will be worked in order of date received and a response issued as soon as possible.
We have implemented a process to identify time critical requests received through our contact centres, stores & branches as well as by post, therefore please continue to submit your urgent requests as normal.
To give you more protection against fraud we have changed the way you verify payments online and via mobile banking.
Business & Personal Customer Accounts
We need to ensure it’s really you making the payment before the money leaves your account. How you do this depends on whether you’re using:
Will this happen every time I make a payment?
No, it’s not for every payment. Once saved the payment will become ‘Trusted’. That means you may not need to do the identity check again, unless you change details like the sort code, account number, name or reference.
What’s changed for your Business?
To make payments of more than £500, or totalling more than £1000 per day, you will now need to use the Mobile Banking App to verify your payments. Business customers using a One-Time Passcode will no longer be able to make payments greater than £500. Talk to us to learn more about the benefits of using the Mobile Banking App. Further info on your daily limits can be found here.
You may see a difference to when you’re asked to authenticate a payment via Business Internet Banking and the Mobile App, how you do this will remain the same by using:
For more information visit our online help.
Forgot your business internet banking password, we can help.
Just give us a call on 0800 121 4209
Monday – Friday 8am - 6pm and select Option 2.