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Comparing current accounts

An at-a-glance guide to our current account features

Current accounts are one of the most common ways of storing your money safely, with instant access to funds (subject to available funds).

All of our standard current accounts come with a contactless debit card, Apple and Google Pay, optional cheque book and access to our mobile, telephone and internet banking.

Browse our range of current account options to help you discover which account would suit you. This information can help you make an informed choice as well as using our Fee Information Documents and Glossary of Terms. All accounts are subject to status and eligibility. Terms and conditions apply.

We also have a selection of products and services available under the Virgin Money brand. Find out more.

Virgin Money M Plus Account [1]

  • Zero Foreign Transaction Fees (worldwide)
  • No Monthly Fee For Maintaining The Account
  • 16 minimum age (18+ if you want to apply online)
  • Works with the Virgin Money app.
  • Apple and Google Pay
  • Interest paid on credit balances up to £1,000
  • Linked savings account (compulsory)
  • Arranged Overdraft (debit interest applies) What is this?
  • Unarranged Overdraft (debit interest applies) What is this?
  • Refusing A Payment Due to Lack of Funds Fee. What is this?
  • Monthly Cap on Unarranged Overdraft Charges (also known as Monthly Maximum Charge) What is this?
  • Offset mortgage facilities. What is this?

Find out more about our Virgin Money M Plus Account (opens in a new window)

Our other accounts

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

Private Current Account

Our Private Current Account is available to individuals with annual earnings of at least £75,000, joint incomes of £100,000, or investable assets of £100,000. Access is through our private banking service which has A Monthly Fee For Maintaining The Account of £25 and includes access to a Private Development Manager. Subject to status and eligibility. 18+ T&Cs apply.

Find out more

Switching your account to Yorkshire Bank

You can switch your existing bank account to us within 7 working days with the Current Account Switch Service. The service is easy to use and we'll do everything for you.

Find out more about switching

Please see FSCS leaflet download (Opens in a new window) for further information or visit  

You can also refer to our FSCS Guide download (Opens in a new window) for more details.

  1. Both a Virgin Money M Plus Account and Virgin Money M Plus Saver must be opened at the same time and both held to take full advantage of all the features of the accounts and the Virgin Money app. You’ll also need a compatible smartphone or tablet to take advantage of all the tools.

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