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All our current accounts come with a debit card, online banking, a linked savings account and a smart app that's packed with clever tools to help you track, budget, save and pay.

Account featureM Plus AccountClub M Account
Monthly fee for maintaining the account£0£12.50*
FSCS - Financial Services Compensation Scheme cover up to £85,000Yes
Play YouTube videoYes
Yes
Play YouTube videoYes
Interest paid on credit balances up to £1,000Yes
Play YouTube videoYes
Yes
Play YouTube videoYes
Apple & Google PayYes
Play YouTube videoYes
Yes
Play YouTube videoYes
No Worldwide Foreign transaction feesYou'll pay these charges if you use your card at a cash machine abroad or you use your card to pay someone based abroad, like in a shop on holiday, or an international retailer online. This applies even if the withdrawal or transaction is in pounds.Yes
Play YouTube videoYes
Yes
Play YouTube videoYes
Arranged & Unarranged OverdraftsArranged Overdraft - This is a borrowing limit 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 choose to use.
Unarranged Overdraft - This is where you borrow from us when there is no money left in your account (or when you have gone past your Arranged Overdraft limit) and this has not been agreed with us in advance. You will pay Unarranged Overdraft interest.

(Subject to status. Charges apply)
Yes
Play YouTube videoYes
Yes
Play YouTube videoYes
No Fees for refusing a payment due to lack of fundsNo
Play YouTube videoNo
No
Play YouTube videoNo
Offset mortgage facilitiesAn offset mortgage facility allows you to link your eligible current or savings accounts to your offset mortgage, reducing the amount of interest you are charged.Yes
Play YouTube videoYes
Yes
Play YouTube videoYes
Worldwide1 family travel insuranceNo
Play YouTube videoNo
Yes
Play YouTube videoYes
Breakdown coverNo
Play YouTube videoNo
Yes
Play YouTube videoYes
Mobile and Gadget insuranceNo
Play YouTube videoNo
Yes
Play YouTube videoYes
Virgin Money Cashback and RewardsYes
Play YouTube videoYes
Yes
Play YouTube videoYes
You must be 18 years2 old to open these accounts onlineView our M Plus AccountView our Club M Account

You must be 18 years old to open these accounts online

View our M Plus AccountView our Club M Account

Some other accounts available

M Account

If you're 16 or over and we're unable to offer you one of our standard current accounts for any reason, this basic bank account may be a good alternative for you. This account may also be an option for customers experiencing financial difficulties.

View account

Joint bank accounts

Simplify your shared spending and savings with a joint bank account from Virgin Money.

Learn about joint bank accounts

Looking to switch?

It couldn't be easier. We manage everything from start to finish, and it’s all backed by the Current Account Switch Guarantee.

More on switching

*You only pay the monthly fee for maintaining your account if your insurance benefits are on. If your insurance benefits are off, you will no longer have insurance cover.

[1] Cover is not provided for any claims arising before or during trips in, to or through Cuba, Iran, Syria, North Korea, the Crimea region, or countries where the Foreign, Commonwealth and Development Office (FCDO) has advised against all (but essential) travel.

[2] If you're 16 or 17, you can open our account in some of our stores - please phone us on 0800 678 3654 and we'll tell you which ones. We're here Monday to Friday 8am - 8pm, Saturday 9am - 5pm, Sunday 10am - 5pm. Calls may be recorded for training and quality purposes.

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