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Current accounts

Your bank account should fit your lifestyle, not the other way around.

Find the right one for you

Whether you’re looking for an everyday account, something with extra benefits, great digital tools or something else, our accounts are designed to help you stay on top of your finances. But don’t just take our word for it – we’ve been named the Moneyfacts Best Current Account Provider for 2017 and 2018.

The best of both worlds

The latest in digital technology, plus a network of branches.

Manage your money

Access your account 24/7 with mobile and internet bankingGo to footnote [1]

Payments to suit you

Including Google Pay, Apple Pay, contactless and cash limits of up to £500.Go to footnote [2]

24-hour customer support

Access our UK-based support teams whenever you have a problem Go to footnote [1]

Accounts you can apply for online

Virgin Money Current Account

Our current account is where the smart money goes. Get style. And substance. With a current account and linked instant savings account that work together for you.

Subject to status and eligibility. 16+ (18+ online). T&Cs apply. You'll need a compatible device to access all the Virgin Money app features. Other fees may apply from account opening.

Find out more and Apply for Virgin Money Current Account


  • Track and tag your spending
  • Set up savings pots in your savings account
  • Help staying on top of your budget
  • Get projections and insights to stay on track
  • 15 minute online application

All other accounts

Current Account Control

Designed to help you avoid Unarranged Overdraft charges. For A Monthly Fee For Maintaining The Account of £4.00, this account:

  • Aims to stop payments that would land you in an Unarranged Overdraft
  • Helps you avoid unexpected charges
  • Has the option to add an Arranged Overdraft, subject to status

Subject to status and eligibility. 18+. Terms, conditions and exclusions apply.

Find out more about our Current Account Control Account Apply in branch or by phone.

Our new basic bank account

The new M Account is our basic bank account – an option if you’re over 16, have little to no credit history, and don’t qualify for our other current accounts. There’s a linked savings account, no monthly fees and you can apply by phone or in Store. Just so you know, there’s no Arranged Overdraft.

View our M Account about our M Account

Private Current Account

Services for those with more to manage. Our private account is available to those with individual earnings of at least £75,000, joint incomes of £100,000 or investable assets of £100,000. For a monthly fee for maintaining the account of £25, you’ll get access to a named relationship manager and a range of products and services.

Subject to status and eligibility. 18+. T&Cs apply.

Find out more about our Private Current Account Apply in branch or by phone.


[1] These services may me temporarily unavailable during periods of routine maintenance

[2] Subject to there being enough money in your account or Arranged Overdraft.

Independent service quality survey results

Personal Current Accounts - Published August 2020

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1000 customers of each of the 19 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.

Overall service quality

We asked customers how likely they would be to recommend their personal current account provider to friends and family.


Ranking Bank Quality
1 Monzo 86%
2 Starling Bank 84%
3 first direct 83%
4 Metro Bank 81%
5 Nationwide 71%
15 Yorkshire Bank 56%

View the full set of SQI results.

Need a hand?

Before you contact us

During these difficult times, we're receiving a higher number of calls than usual.

Our priority is to protect our services for those customers that need us most, so we ask that if your call or store visit is not urgent, you leave the way clear for us to help them first.

Contact us

Current Account switch guarantee

Switch to us in only 7 working days

With the Current Account Switch Service we’ll do everything for you

Find out more about switching

Current Account switch guarantee

Protecting your money

Please see FSCS leaflet download for futher information or visit

Find out more about protecting your money

Popular questions about current accounts

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