{"id":443319,"date":"2022-03-11T17:22:12","date_gmt":"2022-03-11T17:22:12","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=443319"},"modified":"2025-07-09T14:21:49","modified_gmt":"2025-07-09T13:21:49","slug":"virgin-money-all-round-credit-card-mastercard","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/virgin-money\/virgin-money-all-round-credit-card-mastercard","title":{"rendered":"Virgin Money Balance Transfer Credit Card (21 Mths) review"},"content":{"rendered":"<p>The Virgin Money Balance Transfer Credit Card (21 Mths) is issued on the <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/mastercard\">Mastercard<\/a> network, so it's accepted at more than 50 million merchant locations across more than 210 countries and territories.<\/p>\n<div id=\"compare-anchor\">\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<\/div><h3 id=\"repayment_options\">Repayment options<\/h3>\n\n\n<p>You can make manual repayments through Virgin Money's app by logging in to your online banking or over the phone (0800 389 2875). Alternatively, you may wish to set up a direct debit.<\/p>\n\n<p>A direct debit protects you from forgetting to make a repayment and either damaging your <a data-trigger-introductory-modal=\"true\">credit score<\/a>,  getting hit with a penalty fee (12) or losing any promotional rates as a result. <\/p>\n\n\n<p>You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.<\/p>\n\n<h4>Choose from the following direct debit options for your monthly repayments:<\/h4>\n\n\n\n\n<table class=\"luna-table\">\n<tbody class=\"luna-table__body\">\n<tr><th scope=\"row\">Minimum amount <button class=\"btn-link text-no-decoration\" style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\" rel=\"popover\" data-content=\"Greater of: 2% of the underlying balance plus the month's interest and any applicable fees and charges; \u00a325; or the outstanding balance.\" data-placement=\"top\" aria-label=\"More information\" aria-describedby=\"fin-tooltip-1\">\n    <svg class=\"luna-icon luna-icon--xsmall\" aria-hidden=\"true\">\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-1\">Greater of: 2% of the underlying balance plus the month's interest and any applicable fees and charges; \u00a325; or the outstanding balance.<\/span>\n<\/button><\/th><td><svg class=\"luna-icon luna-icon--success luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr>\n<tr><th scope=\"row\">Fixed amount <button class=\"btn-link text-no-decoration\" style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\" rel=\"popover\" data-content=\"A set amount each month \u2013 e.g. \u00a350\" data-placement=\"top\" aria-label=\"More information\" aria-describedby=\"fin-tooltip-2\">\n    <svg class=\"luna-icon luna-icon--xsmall\" aria-hidden=\"true\">\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-2\">A set amount each month \u2013 e.g. \u00a350<\/span>\n<\/button><\/th><td><svg class=\"luna-icon luna-icon--success luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr>\n<tr><th scope=\"row\">Fixed percentage <button class=\"btn-link text-no-decoration\" style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\" rel=\"popover\" data-content=\"Pay a fixed percentage of the balance\" data-placement=\"top\" aria-label=\"More information\" aria-describedby=\"fin-tooltip-3\">\n    <svg class=\"luna-icon luna-icon--xsmall\" aria-hidden=\"true\">\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-3\">Pay a fixed percentage of the balance<\/span>\n<\/button><\/th><td><svg class=\"luna-icon luna-icon--error luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr>\n<tr><th scope=\"row\">Full amount <button class=\"btn-link text-no-decoration\" style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\" rel=\"popover\" data-content=\"Pay off the full outstanding balance every month\" data-placement=\"top\" aria-label=\"More information\" aria-describedby=\"fin-tooltip-4\">\n    <svg class=\"luna-icon luna-icon--xsmall\" aria-hidden=\"true\">\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-4\">Pay off the full outstanding balance every month<\/span>\n<\/button><\/th><td><svg class=\"luna-icon luna-icon--success luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr>\n<\/tbody>\n<\/table>\n\n<h3 id=\"how_to_apply\">How to apply<\/h3>\n\n\n\n\n<p>If you've compared cards and settled on the Virgin Money Balance Transfer Credit Card (21 Mths), completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible.<\/p>\n                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                                                                                        \n            <h3 id=\"awardspanel\">Virgin Money and Finder Awards<\/h3>\n        <div class=\"u-grid u-grid--alignTop has-margin-top has-margin-bottom\">\n            <div class=\"u-grid__col u-1\/4@s u-1\/5@l\" style=\"max-width: 200px;\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png\" alt=\"Finder Awards logo\" style=\"max-width: 100%; height: auto; display: block;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n            <div class=\"u-grid__col u-3\/4@s u-4\/5@l\">\n                                    <p>Our <a href=\"https:\/\/www.finder.com\/uk\/finderawards\">Finder Awards<\/a> celebrate brands that truly stand out in their field. Virgin Money was named our 2024 Credit Cards Customer Satisfaction Award winner!<\/p>\n                            <\/div>\n        <\/div>\n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3 id=\"faqs\">Frequently asked questions<\/h3>\n\n\n\n\n<div itemscope itemtype=\"https:\/\/schema.org\/FAQPage\">\n\n\n\n<div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n<h4 itemprop=\"name\" class=\"has-padding-top-xsmall\">Can I withdraw cash using the Virgin Money Balance Transfer Credit Card (21 Mths)?<\/h4>\n<div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as \"cash-like transactions\" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and\/or higher rates of interest.<\/p>\n\n<p>\nThe cash advance fee on the Virgin Money Balance Transfer Credit Card (21 Mths) is 5%. For example, if you withdraw \u00a3150, you'll incur a rather painful fee of \u00a37.50.\n<\/p>\n\n<p>The interest rate on this part of your balance will be 29.9%, which is the same as the standard purchase rate (chargeable from the day of the transaction \u2013 the card's usual \"up to 50 days interest-free\" grace period won't apply).<\/p><\/div>\n<\/div>\n<\/div>\n\n<div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n<h4 itemprop=\"name\" class=\"has-padding-top-xsmall\">What should I do with my old credit card after transferring the balance to the Virgin Money Balance Transfer Credit Card (21 Mths)?<\/h4>\n<div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>Transferring a balance doesn't automatically close your old account. In most cases, you'll want to <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/how-to-close-and-cancel-your-credit-card-account\">close the old account(s)<\/a> straightaway, especially if they have an annual\/monthly fee or if you might be tempted to use them in the future. There is an argument that you should keep the old account open to help your credit score. That's because doing so keeps your \"credit utilisation ratio\" lower (that's a measure of how much credit you're using compared to what's available to you) and helps the average age of your credit accounts. However, unless you're just about to apply for a new mortgage, it's probably fair to say that most people would prefer to have no more bank accounts open than was truly necessary.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n<h4 itemprop=\"name\" class=\"has-padding-top-xsmall\">How much does it cost to use the Virgin Money Balance Transfer Credit Card (21 Mths) abroad?<\/h4>\n<div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>\nNon-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (\u00a3173.18), it'll cost you around \u00a35.18 in fees.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<\/div>\n\n\n\n\n\n<script type=\"application\/ld+json\">\n{\n\"@context\": \"https:\/\/schema.org\",\n\"@type\": \"CreditCard\",\n\"image\":\"s3:\/\/findercdn.com.au\/niche-builder\/5bd995957f7a1.png\",\n\"name\":\"Virgin Money Balance Transfer Credit Card (21 Mths)\",\n\"provider\":{\"@type\":\"Organization\",\"name\":\"Virgin Money\"},\n\"requiredCollateral\": \"None\",\n\"annualPercentageRate\": \"29.9%\",\n\"amount\": {\n\"@type\": \"MonetaryAmount\",\n\"minValue\": \"Not specified\",\n\"maxValue\": \"Not specified\",\n\"currency\": \"GBP\"\n}\n}\n<\/script>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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 is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Double up on your purchase and balance transfer benefits with Virgin Money\u2019s latest All Round Credit Card.<\/p>\n","protected":false},"author":1231,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2892],"tags":[],"asset_tag":[],"class_list":["post-443319","post","type-post","status-publish","format-standard","hentry","category-virgin-money"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Virgin Money Balance Transfer Credit Card (21 Mths) review\n - Finder UK<\/title>\n<meta name=\"description\" content=\"Double up on your purchase and balance transfer benefits with Virgin Money\u2019s latest All Round Credit Card.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/virgin-money\/virgin-money-all-round-credit-card-mastercard\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Virgin Money Balance Transfer Credit Card (21 Mths) review\" \/>\n<meta property=\"og:description\" content=\"Double up on your purchase and balance transfer benefits with Virgin Money\u2019s latest All Round Credit Card.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/credit-cards\/virgin-money\/virgin-money-all-round-credit-card-mastercard\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2022-03-11T17:22:12+00:00\" \/>\n<meta name=\"author\" content=\"Emily Herring\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily Herring\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/virgin-money\/virgin-money-all-round-credit-card-mastercard#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/virgin-money\/virgin-money-all-round-credit-card-mastercard\"},\"author\":{\"name\":\"Emily Herring\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/4124ff81f216102eb53594e1b4774543\"},\"headline\":\"Virgin Money Balance Transfer Credit Card (21 Mths) review\",\"datePublished\":\"2022-03-11T17:22:12+00:00\",\"dateModified\":\"2025-07-09T14:21:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/virgin-money\/virgin-money-all-round-credit-card-mastercard\"},\"wordCount\":122,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"articleSection\":[\"Virgin Money\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.finder.com\/uk\/credit-cards\/virgin-money\/virgin-money-all-round-credit-card-mastercard#respond\"]}],\"copyrightYear\":\"2022\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/virgin-money\/virgin-money-all-round-credit-card-mastercard\",\"url\":\"https:\/\/www.finder.com\/uk\/credit-cards\/virgin-money\/virgin-money-all-round-credit-card-mastercard\",\"name\":\"Virgin Money Balance Transfer Credit Card (21 Mths) review\\n - 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