Best Virgin Money savings account rates compared

Planes, trains, rockets and savings. Virgin Money offers a broad range of savings accounts with interest rates up to 5.05%. Updated daily.

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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. Virgin Money's top savings rate of 5.05% is available on one of its cash ISA accounts.

Easy access savings accounts

Table: sorted by interest rate
Virgin Money's best easy access rate of 4.76% is significantly lower than today's market-best rate of 7.49%.
1 - 5 of 14
Name Product Account type Withdrawals Min. opening balance Interest rate Deposit protection Open via Incentive Apply link
Virgin Money – Easy Access Cash ISA Exclusive Issue 2
Cash ISA
Instant access
£0
4.76% AER variable
FSCS logo
protected
Open via: branch, website
Go to site
View details
Virgin Money – Defined Access E-Saver Issue 24
Variable
Instant access
£1
4.51% AER variable
FSCS logo
protected
Open via: website
Go to site
View details
Virgin Money – Defined Access Cash E-ISA Issue 28
Cash ISA
Instant access
£1
4.51% AER variable
FSCS logo
protected
Open via: website
Go to site
View details
Virgin Money – Defined Access E-Saver Issue 24
Variable
Instant access
£1
4.51% AER variable
FSCS logo
protected
Open via: website
Go to site
View details
Virgin Money – Defined Access Cash E-ISA Issue 28
Cash ISA
Instant access
£1
4.51% AER variable
FSCS logo
protected
Open via: website
Go to site
View details
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Cash ISAs

Table: sorted by interest rate
Virgin Money's best cash ISA rate of 5.05% is very slightly lower than today's market-best rate of 5.1%.
1 - 5 of 10
Name Product Interest rate Minimum investment Interest paid Withdrawals Deposit protection Open via Incentive Table product description Apply link
Virgin Money – 1 Year Fixed Rate Cash ISA Exclusive Issue 13
5.05% AER fixed until 30.06.25
£1
On maturity
Instant access (charge applies )
FSCS logo
protected
Open via: branch, website
Go to site
View details
Virgin Money – Easy Access Cash ISA Exclusive Issue 2
4.76% AER variable
£1
Yearly
Instant access
FSCS logo
protected
Open via: branch, website
Go to site
View details
Virgin Money – 1 Year Fixed Rate Cash E-ISA Issue 639
4.61% AER fixed until 24.06.25
£1
Yearly
Instant access (charge applies )
FSCS logo
protected
Open via: website
Go to site
View details
Virgin Money – 1 Year Fixed Rate Cash E-ISA Issue 639
4.61% AER fixed until 24.06.25
£1
Monthly
Instant access (charge applies )
FSCS logo
protected
Open via: website
Go to site
View details
Virgin Money – Defined Access Cash E-ISA Issue 28
4.51% AER variable
£1
Monthly
Instant access
FSCS logo
protected
Open via: website
Go to site
View details
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Fixed-rate bonds

Table: sorted by interest rate
Virgin Money's best fixed-rate bond rate of 4.65% is slightly lower than today's market-best rate of 5.5%.
1 - 2 of 2
Name Product Interest rate Invest Interest paid Withdrawals Open via Deposit protection Open via Incentive Table product description Apply link
Virgin Money – 1 Year Fixed Rate E-Bond Issue 574
4.65% AER fixed until 20.06.25
£1 - £1,000,000
Monthly
Withdrawals not permitted
Website
FSCS logo
protected
Open via: website
Go to site
View details
Virgin Money – 1 Year Fixed Rate E-Bond Issue 574
4.65% AER fixed until 20.06.25
£1 - £1,000,000
Yearly
Withdrawals not permitted
Website
FSCS logo
protected
Open via: website
Go to site
View details
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Regular savings accounts

Table: sorted by interest rate
Virgin Money's best regular savings account rate of 3% is significantly lower than today's market-best rate of 8%.
Name Product AER Save Withdrawal notice Interest paid Deposit protection Open via Incentive Apply link
OFFER
Virgin Money – Home Buying Coach Regular Saver Issue 24
3% fixed until 20.06.25 (on first £3,500)
£1 to £250 per month
20.06.25
Yearly
FSCS logo
protected
Open via: mobile app
'Coach Credits' can earned be when engaging with the app, which unlock exclusive mortgage and savings products when certain milestones are hit.
Go to site
View details
OFFER
Virgin Money – Home Buying Coach Regular Saver Issue 24
3% fixed until 20.06.25 (on first £3,500)
£1 to £250 per month
20.06.25
Monthly
FSCS logo
protected
Open via: mobile app
'Coach Credits' can earned be when engaging with the app, which unlock exclusive mortgage and savings products when certain milestones are hit.
Go to site
View details
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Compare more regular savings accounts up to 8%

Business savings accounts

Table: sorted by interest rate
Virgin Money's best business savings account rate of 5.05% is very slightly lower than today's market-best rate of 5.25%.
Name Product Interest rate and type Interest paid Invest Term Open via Incentive Table product description Apply link
Virgin Money – 1 Year Business Fixed Rate Savings Account 145
5.05% AER fixed
Monthly
£1 - £2,000,000
20.05.25
Open via: website
Go to site
View details
Virgin Money – 1 Year Business Fixed Rate Savings Account 145
5.05% AER fixed
Yearly
£1 - £2,000,000
20.05.25
Open via: website
Go to site
View details
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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.

Savings account types include Easy access, cash ISAs, fixed-rate bonds, regular savers, business
Best easy access rate 4.76%
Best cash ISA rate 5.05%
Best fixed-rate bond rate 4.65%
Best regular saver rate 3%
Best business savings account rate 5.05%
Fixed bond terms 1 year
Opening options Branch, website, mobile app, post, telephone
FSCS protection

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

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).
  • Rewards and loyalty schemes (if you’re into add-ons or switching bonuses).

Virgin Money customer reviews

In our independent 2024 customer satisfaction survey, 95% of Virgin Money’s users said they’d recommend the brand to a friend. Customers commented positively on Virgin Money’s customer service. Several also found Virgin Money’s online banking and app easy to use. Here’s what some of those customers had to say:

“The savings account was very easy to set up and it’s has great interest too”

“My account is easy to access. I can pay cheques into the account, the app is great and I can make deposits and withdrawals at post offices so it’s convenient”.

The Virgin Money app has a rating of 4.6 out of 5 from around 126,000 reviews on the App Store. On Google Play, the app has a score of 2.5 from around 23,000 Android app users (February 2024).

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

Pros

  • Wide range of savings accounts to choose from.
  • Apply for and manage your accounts online.
  • You’ll get access to special deals across the wider Virgin group.
  • FSCS protection.

Cons

  • Some of the best savings rates are only available to existing current account customers.

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

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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