Virgin Money Review

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2.2 stars
Average rating for this product is: 2.2 out of 5

From 0 ratings and 3 reviews

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Guest's Review of Virgin Money

8th Nov 2008

Overall Rating

5 stars
  • Telephone Banking
    5 stars
  • Local Branch
    5 stars
  • Customer Service
    4.5 stars
  • Internet Banking
    5 stars
  • Cash Point Facility
    5 stars
Good Points

Fantastic offers, fantastic service


Bad Points

None so far.


General Comments

It's almost 3 years since I got my Virgin Credit Card and it's the best thing to happen to me financially! Application process was smooth and I got my card with a healthy limit and 10.9% APR (on of the lowest in the market then). Interest did go to 15.9% after about a year but you'd hardly get lower than that anywhere else.
The on-line account management is very convenient and efficient. I've used it to request limit increase on three occasions and gotten decision quickly.
Their balance transfer offers are available to both new and existing customers. Twice I've rescued myself using the cash in my current account option; paid no interest whatsoever for 12 months; and in that time balanced back my account with them. All it cost me was the usual 3% handling fee. Once my payment was late which caused my promotion to be taken off and was subsequently billed interest plus the extra £12 default charge on top of that. I got on the phone with them and they happily re-credited my account and restored the balance transfer offer.

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LenderAccountDescriptionInterestAEROverdraft  
Overdraft RateOverdraft Limit
Alliance & LeicesterPremier Direct AccountEarn a great rate of 6% AER (fixed for one year) on balances up to £2,500.Monthly6.00%0.00%£2,000.00
Alliance & LeicesterPremier CurrentEnjoy Free annual multi-trip European travel insurance and earn 0.50% AER on balances up to £2,500.Monthly0.50%0.00%£2,000.00
NatwestNatwest Advantage Gold AccountEnjoy benefits worth up to £704 for just £12.95 a month. Including Mobile phone cover, Travel Insurance and even tailored rates on other Natwest products.Monthly0.25%18.49%n/a