Best Virgin Money savings account rates compared

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If you're thinking about opening a Virgin Money savings account, here's a rundown of its latest interest rates, and how they hold up against the rest of the market right now. Note that Virgin Money is now part of Nationwide. Virgin Money's top savings rate of 4.31% is available on one of its fixed-rate bond accounts.

Easy access savings accounts

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Product	Account type	Withdrawals	Min. opening balance	Rate	Deposit protection	Open via	Incentive
Virgin Money Defined Access E-Saver Issue 30 Monthly	Variable Rate	Instant access	£1	4.06% AER variable	protected	Open via: website.	Go to siteMore info	loading
Virgin Money Private Savings Account	Variable Rate	Instant access	£1	4.06% AER variable (on balances up to £499,999)	protected	Open via: branch. Existing customers only	Go to siteMore info	loading
Virgin Money Defined Access E-Saver Issue 30	Variable Rate	Instant access	£1	4.06% AER variable	protected	Open via: website.	Go to siteMore info	loading
Virgin Money M Saver	Variable Rate	Instant access	£0	2.25% AER variable (on balances up to £25,000)	protected	Open via: branch, website, telephone. Existing customers only	Go to siteMore info	loading
Virgin Money Club M Saver	Variable Rate	Instant access	£0	2.25% AER variable (on balances up to £25,000)	protected	Open via: website, telephone. Existing customers only	Go to siteMore info	loading

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Cash ISAs

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Product	Rate	Minimum investment	Interest paid	Withdrawals	Deposit protection	Open via	Incentive	Table product description
Virgin Money 1 Year Fixed Rate Cash E-ISA Issue 671 Monthly	4.16% AER fixed for 1 year	£1	Monthly	Instant access (charge applies )	protected	Open via: website.	Go to siteMore info	loading
Virgin Money 1 Year Fixed Rate Cash E-ISA Issue 671	4.16% AER fixed for 1 year	£1	Annually	Instant access (charge applies )	protected	Open via: website.	Go to siteMore info	loading
Virgin Money Defined Access Cash E-ISA Issue 34 Monthly	4.06% AER variable	£1	Monthly	Instant access	protected	Open via: website.	Go to siteMore info	loading
Virgin Money Defined Access Cash E-ISA Issue 34	4.06% AER variable	£1	Annually	Instant access	protected	Open via: website.	Go to siteMore info	loading
Virgin Money Easy Access Cash ISA (APS) Issue 7	1.75% AER variable	£1	Annually	Instant access	protected	Open via: post. Existing customers only	Go to siteMore info	loading

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Fixed-rate bonds

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Product	Rate	Invest	Interest paid	Withdrawals	Open via	Deposit protection	Open via	Incentive	Table product description
Virgin Money 1 Year Fixed Rate E-Bond Issue 603 Monthly	4.31% AER fixed for 1 year	From £1	Monthly	Withdrawals not permitted	Website	protected	Open via: website.	Go to siteMore info	loading
Virgin Money 1 Year Fixed Rate E-Bond Issue 603	4.31% AER fixed for 1 year	From £1	Annually	Withdrawals not permitted	Website	protected	Open via: website.	Go to siteMore info	loading

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Business savings accounts

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Product	Interest rate	Interest paid	Open with	Term	Incentive	Table product description
Virgin Money 1 Year Business Fixed Rate Savings Acc	4.1% AER fixed	Annually	£1 - £2,000,000	1 year	Go to siteMore info	loading
Virgin Money 1 Year Business Fixed Rate Savings Acc M	4.1% AER fixed	Monthly	£1 - £2,000,000	1 year	Go to siteMore info	loading
Virgin Money 12 Month Business Term Deposit	4% AER fixed	Maturity	£5,000 - £25,000,000	1 year	Go to siteMore info	loading

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What is Virgin Money's best savings account with the highest interest rate?

The best savings account depends on what you want from your savings. If you're after fast access to your money, then an easy-access account should suit you. However, if you're happy to lock your money away for a time to access a higher rate, then a fixed-rate bond is a good option.

Finally, if you're looking to maximise your returns and shield them from income tax, consider an ISA. Below, we've listed the different types of accounts Virgin Money offers, plus the highest interest rate currently available.

Other popular accounts

Didn’t find the account type you were looking for? Check our other guides:

• Virgin Money current accounts
• Virgin Money kids’ accounts

How do I decide which account is for me?

First things first, you need to work out what you’re looking for in a savings account. How often will you want to take money out? Can you afford to stash away large amounts?

If you’re happy to lock away your funds for a year or more and you have a lump sum to invest, a fixed rate bond could be suitable. But if you need access to your money or you want to add to your savings over time, an easy access account might be better.

Once you’ve worked out your financial situation, it’s useful to look at:

• Interest rates
• Fees (if there are any)
• Access to cash (if you need quick access, for instance)

Virgin Money customer reviews

In our independent 2025 customer satisfaction survey, 87% of Virgin Money’s users said they’d recommend the brand to a friend.

The Virgin Money app has a rating of 4.6 out of 5 from just under 151,000 reviews on the Apple App Store. On the Google Play Store, it has a score of 4.2 from over 27,000 reviews. These were checked in March 2025.

What are the pros and cons of banking with Virgin Money?

Bottom line

From easy access and fixed term, to children’s savers and ISAs, there’s a wide range of Virgin Money savings accounts that might suit your needs. Be sure to check out our other reviews first, though, to see how Virgin Money weighs up against the competition in terms of rates, fees, pros and cons.

Frequently asked questions

• Can I open an account if I'm not a UK resident?

  Unfortunately, no. Virgin Money’s accounts are available to UK residents only. However, crown employees serving overseas and those married to or in civil partnership with a crown employee serving overseas are also able to invest in a cash ISA.

• Can I open an account in a branch (at a store)?

  Yes, but you will need to call and book an appointment beforehand. Find the contact details for Virgin Money’s stores on its website, and also take a look at which documents you’ll need to bring in with you.

• Is it easy to switch ISAs to Virgin?

  Yes. The Virgin ISA transfer service lets you pool all your ISAs together under one roof. Virgin Money aims to complete all transfers within 7 days or less. All you have to do is the following:

  1. Open a cash ISA with Virgin Money.
  2. Sign in to your online Virgin Money account.
  3. Choose the account to transfer into.
  4. Follow the on-screen instructions. Virgin Money will need to know the details of the cash ISA you’re transferring over, the amount you’d like to move, plus your National Insurance number.
  5. Wait! Virgin Money’s ISA transfer team will handle the process from here.

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Written by

Matthew Boyle

Publisher

Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife. See full bio

Matthew's expertise

Matthew has written 261 Finder guides across topics including:

• Helping first-time buyers apply for a mortgage
• Comparing bank accounts and highlighting useful features
• Publishing easy-to-understand guides