Training Example: Virgin Money UK – Review the Data, Give Your Score & Compare to the Real AI Evaluation

Virgin Money is now part of Nationwide

Following Court approval on 23 February 2026 Virgin Money's business transferred to Nationwide on 2 April 2026.

Understand what this means for you

[H1] Save smarter with our Regular Saver Exclusive
[H2] Earn 6.50% AER/gross by saving up to £250 a month. Rate is fixed until 30 June 2027.
To apply online, you need to be 18+ and have an eligible current account. Terms and conditions apply.View Regular Saver

[H1] Credit card offers that take a weight off
Get up to 36 months with no interest on balance transfers. Win, win!Representative example: If you borrow £1,200 at a purchase rate of 27.9% (variable) a year, your representative APR is 27.9% (variable).Terms and conditions apply, credit is subject to status. Fees may apply.Balance transfer cards

[H2] Our branches are here to stay
[H3] We've extended our promise to keep all our branches open until at least the start of 2030.
Find out more and find your nearest branch

[H2] No-nonsense products we're proud of
When it comes to banking, you want an honest deal with no surprises. So we'll always tell you the things you really need to know up front.

[H3] Current accounts

Our current account is where the smart money goes.

[H3] Credit cards

Know if you'll be approved for a credit card before you apply.

[H3] Business accounts

Working hard to help you grow your business.

[H3] Savings

See our range of savings accounts and Cash ISAs.

[H3] Mortgages

We're experts at making mortgages easy.

[H3] Insurance

Cover for you and all the things you love.

[H2] Need some support?
Whether you're dealing with money worries or something else that's making it harder to bank with us, we're here to help.Visit our financial wellbeing hubTell us what support you need

[H2] Mortgage Charter support for our customers
Worrying about your mortgage payments lately? We can now do even more to help.See what support is available

[H2] Save with confidence
We're covered by the Financial Services Compensation Scheme. Your combined deposits with Virgin Money and Nationwide are covered up to £120,000 per person.View the FSCS guarantee

[H2] Live a life more Virgin

Have you joined Virgin Red yet?

Discover our red hot rewards

Virgin Money Branches

Award-winning products

Service that's about smiles not sales

Discover our red hot rewards

[H3] Have you joined Virgin Red yet?
Join the rewards club that revolves around you.Virgin Red terms apply Link opens in a new window. UK only. 18+.Discover Virgin Red

Have you joined Virgin Red yet?

Virgin Money Branches

[H3] Virgin Money Rewards
Brighten up your world with exclusive offers in our app.Discover rewards

Discover our red hot rewards

Award-winning products

[H3] Virgin Money Branches
A new generation of creative and community-focussed spaces on the high street, designed to broaden people’s horizons and brighten their lives.Open plan layouts, shoulder-to-shoulder service and relaxed discussion spaces are just a few of the ways that people can manage their money in a modern way. Virgin Money Branches give everybody a space to learn, work and play.Discover our Branches

Virgin Money Branches

Service that's about smiles not sales

[H3] Bank with the best
We don't like to brag but it's good for you to know that other people have given us a thumbs up too. You don't just have to take our word for it. Here are a few awards we've won.Personal Finance Provider of The Year – (Moneyfacts 2025)Best Service from a Business Bank – (Business Moneyfacts 2025)Commended Best Remortgage Provider – (Moneyfacts 2025)Best Buy To Let Mortgage Provider – (Moneyfacts 2025)Best investment ISA - small portfolio - (Your Money 2025)Best Credit Card Provider – (Your Money 2025)

Award-winning products

[H3] Service that's about smiles not sales
[H4] From current and savings accounts to credit cards and more, we’re here to help you manage your money.
Chat to our customer service advisers, or manage things from your favourite armchair or café using our app or online service.

[H2] Our partner programmes

Virgin StartUp
Support and mentoring for the next generation of young entrepreneurs.

Make £5 grow
A fun, free programme that engages pupils in core areas of the National Curriculum.

Virgin Money Foundation
Helping local people and organisations with the vision and drive to transform lives and re-energise communities.

Our official charity partners
Provide advice and support to empower anyone experiencing a mental health problem in England, Scotland and Wales.

[H1] Financial wellbeing hub

[H2] Take control of your money, your way
[H3] From everyday bills to unexpected life events, your money might not be stretching as far as it used to. That’s why we’ve brought together practical tools, tips and trusted advice, all in one place.
[H4] No jargon. No judgement. Just support that works around your life.

[H2] What can we help with?

[H3] Managing debt and repayments

Tools and guidance to help you take back control, make a plan and find support.

[H3] Mortgages, rent and bills

We’ve got advice and guides to help you cut costs and feel more in control.

[H3] Mental wellbeing and personal challenges

Support for anxiety, grief or mental health challenges that affect your finances.

[H3] Budgeting, saving and managing money

Discover tools for budgeting, saving, credit checks and small habit changes.

[H3] Digital tools and support

We’ve got tools and support tailored to how you bank.

[H3] Fraud and scams

We’re here to help you spot the signs, stay safe and take back control.

[H2] Trusted organisations ready to help
[H3] Find support for your wellbeing, finances and more.
[H3] Benefits, hardship and legal advice

Citizens Advice
Impartial advice on money, housing and legal rights

GOV.uk
Official government advice

Shelter
Housing rights and emergency support in England and Wales

Shelter Scotland
Housing rights and emergency support in Scotland

Turn2us
Grants and benefits support

[H3] Debt advice and money help

GamCare
Support for gambling-related money worries

MoneyHelper
Budget planners, calculators and saving tools

National Debtline
Practical debt advice and budgeting tools

PayPlan
Online support to manage debt

StepChange
Free debt advice and repayment help

[H3] Digital tools and support

Experian
Credit score support and money management tools

Good Things Foundation
Support getting online and accessing data

Learn My Way
Build digital skills and confidence

National Databank
Free mobile data, calls and texts if you're eligible

[H3] Mental health and emotional support

Age UK
Financial and digital support

Macmillan
Support when health affects your finances

Mind
Mental health and money advice in England and Wales

Samaritans
24/7 emotional support

SAMH
Mental health support in Scotland

Virgin Money is now part of Nationwide.

Following Court approval on 23 February 2026, Virgin Money’s business transferred to Nationwide on 2 April 2026.

Understand what this means for you

[H1] Help and support

[H2] What can we help you with?
Credit cards questions and answersCurrent accounts questions and answersSavings questions and answersBusiness banking questions and answersMortgages questions and answersPersonal loans questions and answersTravel insurance questions and answersLife insurance questions and answersDigital How-To Guides questions and answersApp & Internet Banking Help questions and answers

[H2] Fraud, scams and security
Fraud and scamsSpot the scammersHow we're protecting youHow to protect yourselfThe difference between fraud and scamHow to report fraud

[IMG: A family managing their finances]

[H2] Worried about money?
[H3] You're not alone. Visit our financial wellbeing hub for tools and support with budgeting, debt, repayments, mental wellbeing and more.
Visit our financial wellbeing hub
[H3] More support
Financial abuseGamblingNeed better access to cash?

[IMG: A customer getting support in a Virgin Money store]

[H2] Getting the right support
How to let us know when you need support, someone dies or you want to give someone access to your account.Let us know how we can support youLet us know when someone diesSupport when someone has terminal illnessAccessibility supportPower of attorney and third-party access info

[IMG: Online banking with Virgin Money]

[H2] Experiencing technical issues?
If you're having online banking issues, let's try to fix them.Solve technical issues

[H2] Leave us feedback
If there's something you think we could do better, or that you think we are doing really well, we would love to hear from you.Leave us feedback

[H2] Make a complaint
Hands up, sometimes we get things wrong. If that happens, we'd really like to know so we can put things right and make improvements.Make a complaint

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[H1] Balance transfer credit cards
[H2] Find the right balance
Get 0% interest on balance transfers for up to 36 months. Fees and terms apply.Representative example: 27.9% APR Representative (variable). Based on assumed credit limit of £1,200 and a purchase rate of 27.9% p.a. (variable).Check your eligibilityPromotional offer varies based on your circumstances and starts from account opening date. Applies to transfers made in the first 60 days.

[IMG: Award badge for the YourMoney.com Personal Finance Awards. Winner of the Best Credit Card Provider 2026.]

[H2] What is a balance transfer credit card?
You can move part or all of the balance from other credit or store cards to a balance transfer credit card. You'll get:0% interest on transfers for up to 36 monthsApplies to transfers made in the first 60 days. Fees apply.0% interest on purchases for 3 monthsSave on interest and make your money go further. Offer starts from account opening.Easy-peasy paymentsManage your debt in one place, with one monthly payment. Simple!Credit is available, subject to status, only to UK residents aged 18 or over.

[H2] Balance transfer basics
When your offer endsYou’ll be charged the current standard rate of interest from the start of that statement period. The same applies if you miss a minimum monthly payment.Transfer up to 95% of your credit limitYou can transfer as many cards as you need. As long as it's a UK credit or store card with a Visa or Mastercard logo. A fee applies for each transfer.Can you transfer?You can do a balance transfer from a UK credit card or store card that has a Visa or Mastercard logo. You cannot do a balance transfer from another Nationwide or Virgin Money Credit Card.
You can do a money transfer to a UK bank or building society account. You should not use your card to repay borrowing from Nationwide or Virgin Money.

[H2] Questions about balance transfer credit cards

[H3]
Is a balance transfer credit card a good idea for me?

Are you paying interest on existing credit or store cards? A balance transfer credit card could help.Transferring your balances to a single 0% card means you’ll pay no interest for the promotional period. This could save you money and help you become debt free faster.There's usually a transfer fee. You should work out if you will still be saving money after paying the fee. You could still be better off.Consider how long your promotional rate lasts and what you can afford to pay monthly. Paying only the minimum may take longer and cost more to repay. Setting up a Direct Debit can help you stay on track.

[H3]
What to know before doing a balance transfer?

If you decide that a balance transfer credit card is right for you, there's a few things to be aware of:We charge a one-off transfer fee.You can transfer as many cards as you need, as long as you don't transfer more than 95% of your credit limit.The 0% interest rate only applies to balance transfers made within the first 60 days. You'll lose your 0% rate if you miss a minimum monthly payment. You'll then pay the standard rate of interest from the start of that statement period.You cannot do a balance transfer from another Nationwide or Virgin Money Credit Card. You should not use your card to repay borrowing from Nationwide or Virgin Money.When your promotional rate ends you'll be charged at the standard rate of interest.

[H3]
Do balance transfers hurt my credit score?

Completing a balance transfer won't hurt your credit score. But applying for a balance transfer credit card could temporarily lower it. This is because:We'll do a hard credit check when you apply for a credit card. It helps us to understand your credit history. A hard credit check can impact your credit score.Applying for too many cards or loans, especially in a short space of time, could lower your credit score.Make sure to check your eligibility first before you apply. An eligibility search shows up as a soft credit check on your credit report. This does not impact your credit score.However, you don’t have one universal credit score. Each lender will calculate scores in different ways. They can use your application, credit report and their own data if you already bank with them. You can check your own credit report by visiting TransUnion, Equifax or Experian.A balance transfer credit card could also boost your score, if you:Make regular payments to pay off your debts. Over time, this could improve your credit score.Reduce your credit utilisation. This is the percentage of your available credit that you're using. Keeping your credit utilisation low shows you’re managing your debt well. This is good for your credit score. Generally, you should aim to use no more than 25% of your total credit limit.Having long held, well-managed credit accounts can also improve your credit score. This shows you’ve been a reliable borrower in the past.

[H3]
Can I do a money transfer with a balance transfer credit card?

Our balance transfer credit cards come with a money transfer option. They let you move up to 95% of your credit card limit into your current account. We’re pleased to be one of the few credit card providers who offer them.We sometimes offer 0% interest promotional rates and fees on money transfers. If you’re offered one, you’ll need to make a transfer within 60 days of opening your account to get the promotional offer. After this the standard interest rate and fee will apply.You shouldn’t use your money transfer to repay other borrowing from us.

[H3]
How to make a transfer

It's easy to make a balance or money transfer in the app.Head to the Virgin Money Credit Card app.Select your card and then tap 'Offers'Tap 'Make a balance transfer' or 'Make a money transfer' and follow the stepsA transfer usually takes 2 to 3 working days if no extra checks are needed.

[H3]
Can i spend on the card?

Yes, our balance transfer cards come with a 3 month interest-free promotional period. During this period, you won't pay any interest on your spending.We charge the standard interest rate when the interest-free period ends, or if you miss a minimum monthly payment.If you pay off your spending balance in full each month, you won't be charged interest on it.

Balance transfer guide

[H2] Check your eligibility
Before you apply, use our card checkerknow your chances of being acceptedyou'll see your minimum credit limit on pre-approved cardsit won't affect your credit scoreTo manage your card, you'll need the Virgin Money Credit Card app.Check your eligibility

[H2] The legal bits
[H2] Time to give your scrolly finger a workout
Virgin Money Credit Card TermsCalls are charged at your service provider’s prevailing rate and may be monitored and recorded.The Virgin Money Credit Card is issued by Nationwide Building Society (trading as Virgin Money). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078. Head Office: Nationwide House, Pipers Way, Swindon, Wiltshire, SN38 1NW.

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[H2] You're pre-approved

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This means you'll get this card if you apply before midnight on {{campaignenddate}}When you apply, we'll do a credit check, that's the norm for all lending applicationsYour application would only be declined if you're out of employment, not a UK resident or for fraud reasonsClose ModalOk, got it

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[H2] You're pre-approved

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[H3] Great news! If you apply for this card you'll be accepted, as long as you:
don't change any of the details you previously sharedpass our standard identity checksstart your application within the next 20 minutescomplete your application todayAfter these times you'll need to check your eligibility again.Close ModalOk, got it

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[H2] You're pre-approved

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We can offer you at least this credit limit based on the info you've shared.You'll get this credit limit as long as you:start your application within the next 20 minutescomplete your application todaydon't change any of the details you previously sharedpass our standard identity checksNeed more?You can tell us in your application if you need more for a balance transfer. We'll consider this when we look at your credit limit again. This means your new credit limit may be higher.Want less?Once you've got your credit card, there's an online form you can use to reduce your credit limit.Close ModalOk, got it

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[H2] Highly likely

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[H3] Good news about your card
You're highly likely to be approved, as long as you:start your application within the next 20 minutes.complete your application todaydon't change any of the details you previously sharedpass our standard identity checksClose ModalOk, got it

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[H2] Representative example

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The representative example helps you compare different products. It combines the purchase rate and other fees to give a more complete picture of how much borrowing will cost you. The lower the APR (Annual Percentage Rate), the cheaper it is for you to borrow.The representative APR calculation is based on:a credit limit of £1,200spending £1,200 in one gopaying it back in equal, regular instalments over the yearnot spending any moreUK lenders use £1,200 to make comparing easier. It’s not a reflection of your credit limit.Close ModalOk, got it