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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.

Virgin Money Current Account [1]

  • 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 £2000
  • 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 current account (opens in a new window)

Signature Current Account

  • Monthly Fee For Maintaining The Account of £13.50
  • 18 minimum age
  • Apple and Google Pay
  • Linked savings account available
  • Arranged Overdraft (Monthly Arranged Overdraft Fee and debit interest apply) What is this? [2]
  • Unarranged Overdraft (Daily Unarranged Overdraft Fee applies ) What is this? [3]
  • Refusing A Payment Due to Lack of Funds Fee. What is this?
  • Fee cap. What is this?
  • Monthly Cap on Unarranged Overdraft Charges (also known as Monthly Maximum Charge) What is this?
  • Offset mortgage facilities. What is this?
  • Worldwide travel insurance. Provided and underwritten by American International Group UK Limited.
  • UK breakdown cover. Provided by Green Flag and underwritten by U K Insurance Ltd
  • Mobile phone insurance. Provided by Lifestyle Services Group Ltd and underwritten by Assurant General Insurance Ltd
  • Gadget insurance. Provided by Lifestyle Services Group Ltd and underwritten by Assurant General Insurance Ltd
  • ID Defender. Provided by Lifestyle Services Group Ltd
  • My Signature Rewards. Gives you access to offers and discounts on certain travel, leisure and shopping

Find out more about our Signature Current Accoun (opens in a new window)

Current Account Control

  • £7.50 Monthly Fee For Maintaining The Account
  • 18 minimum age
  • Apple and Google Pay
  • Linked savings account available
  • Arranged Overdraft (Monthly Arranged Overdraft Fee and debit interest apply) What is this? [3]
  • Offset mortgage facilities. What is this?

Find out more about our Current Account Control (opens in a new window)

Our other accounts

Readycash account

Our basic bank account, only available to customers who are aged 16 years and over and not eligible for one of our standard Current Accounts. May also be available for customers experiencing financial difficulties.

Find out more

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
FSCS

Please see FSCS leaflet download for futher information or visit www.fscs.org.uk

  1. Both a Virgin Money Current Account and Virgin Money Instant Savings 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.
  2. An Arranged Overdraft is a borrowing limit (subject to status) on your account that we agree with you in advance, so it's there when you need it. You'll pay Arranged Overdraft interest on the amount you chose to use. A Monthly Arranged Overdraft Fee is applied each month you use an Arranged Overdraft greater than the value of the Arranged Overdraft Buffer Amount. The buffer amount can be found within the tariff.
  3. An Unarranged Overdraft is where you borrow from us when there is no money left in your account (or when you have gone past your Arranged Overdraft) and this has not been agreed with us in advance. A Daily Unarranged Overdraft Fee is applied on each business day that you are in an Unarranged Overdraft which is greater than the value of your Unarranged Overdraft Buffer Amount. The buffer amount can be found within the tariff.

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