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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

Signature Current Account

The current account with added extras. For A Monthly Fee For Maintaining The Account of £13.50, you get:

  • Year-round travel insurance and UK breakdown cover
  • Mobile phone cover and gadget insurance
  • Discount in selected stores

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

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

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.

Flybe update

Flybe has confirmed that it has entered administration on 5th March 2020 and all flights have been grounded, meaning that all flights provided by Flybe have been cancelled and are no longer operating.

If you are affected by this, below is some information that you may find useful.

What it means to you

ATOL (Air Travel Organiser’s Licence) is a UK financial protection scheme that protects most air package holidays sold by travel businesses that are based in the UK. This means you may be eligible for assistance in the event of a travel business failure.

ABTA has a similar scheme in place for non-flight based package holidays.

If you haven’t travelled yet

  • If when you booked your holiday with Flybe you were given an ATOL certificate, read it carefully – it explains which parts of your trip are covered. For further information or to start a claim, please refer to
  • If you booked a flight directly with Flybe and paid by debit card, then you may not be ATOL protected so please contact us as we may be able to help you.
  • If your package holiday is non-flight based and is ABTA protected, for further information or to start a claim, please refer to

If you are currently abroad

  • If you were given an ATOL Certificate when you booked, read it carefully – it explains who is protecting your trip and what to do. Information explaining what arrangements will be made to let you to complete your trip and fly home will be published on If you have any difficulties while abroad, make sure you call the Civil Aviation Authority (CAA) on +44 (0) 333 103 6350. CAA will explain the situation and discuss your options.
  • If your travel is not ATOL/ABTA protected please contact us as we have procedures in place to help you.

Please call us on 0800 678 3320.* available (8am - 9pm Mon to Fri, 8am - 9pm Sat and 10am - 5pm Sun).

*Calls to 0800 numbers are free from personal mobile phones and residential UK landlines. Calls will be monitored and recorded.

Independent service quality survey results

Personal Current Accounts - Published February 2020

As part of a regulatory requirement, an independent survey was conducted to ask approximately 865 customers of each of the 16 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 Metro Bank 83%
2 first direct 82%
3 Nationwide 74%
4 Santander 63%
4 Lloyds Bank 63%
11 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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