Moving Money Joint Account To Personal Account Theft?
20,000 reasons to switch
Earn twenty,000 Virgin Points when you switch to our Club Yard Account, and run across the qualifying terms.
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If it's the total package you lot're after, then look no farther
Club M Account
2.02%
Feast on a 2.02% AER1 (2.00% gross1 per annum variable) interest rate, paid monthly, on your Social club 1000 Account balance upward to £1,000.
Linked to the Gild Grand Saver
1.00%
Any coin yous move into your linked Social club Grand Saver account will earn 1.00% AERane (1.00% grossane per annum variable) on savings balances upward to £25,000, and 0.50% on whatsoever balances above £25,000. Interest paid quarterly.
Monthly Fee
£14.50
In that location is a £14.50 monthly fee for Maintaining the Club M Account insurance benefits.
Gild M comes bursting with benefits
Our Gild M Business relationship is a step upwardly from our award-winning Thousand Plus Account - rated "Outstanding" by Moneyfacts® 2020/21. You'll go all the features and rewards from our Thousand Plus Account, plus a rich package of insurance benefits.
- Have command with our Virgin Coin App and Online Service - packed full of clever tools that help yous rails, budget, relieve and pay.
- No fees when you travel - we won't charge you for spending on your card or withdrawing cash when you're abroad.
- Over 32 million places worldwide welcome your contactless debit card, and it comes set for Apple Pay and Google Pay.
- An Bundled Overdraft for when y'all need a lilliputian extra - subject field to status. Use our Overdraft Reckoner Link opens in a new window to run into the cost.
3 types of insurance, cover for the things you dearest
- Worldwide family multi-trip travel insurance - including winter sports, golf and weddings. Plus, 24 60 minutes access to a doctor at dwelling house or abroad. And, a concierge service to make reservations, transfers or just inquire a question.
- Worldwide family unit mobile & gadget insurance for loss, theft and adventitious impairment - including cameras, laptops, tablets and more.
- U.k. breakup cover - vehicle rescue twenty-four hour period and night, you'll become assistance whether you lot're the driver or a rider.
View insurance benefits
Our cover is subject to certain weather condition and exclusions. Before you utilise, have a look at all the insurance benefits, to make sure this account is right for you lot. Delight read our Club M Business relationship Insurance Policy Diction Link opens in a new window .
But remember, if you're looking for travel insurance without all the benefits of the Order Chiliad account then view our travel insurance page.
You're ready to use if:
- You're eighteen or over and alive in the UK
- You've read all of the important information below.
- Gild M Account Terms Link opens in a new window
- Digital Banking Services Terms Link opens in a new window
- Guild M Account Tariff Link opens in a new window
What is the interest rate?
| Balance | Gross rate (%) | AER (%) |
|---|---|---|
| Balances up to and including £25,000 | 1.00 | 1.00 |
| Balances over £25,000 | 0.l | 0.50 |
Interest is calculated on a daily basis and paid on the last working 24-hour interval of each calendar quarter.
Can Virgin Money change the involvement rate?
Yes, if we decrease your charge per unit we'll provide at least ii months' notice every bit described in your Terms. We may increase your rate without giving yous notice
What would the estimated remainder be after 12 months based on:
| Initial deposit at account opening | Residue after 12 months |
|---|---|
| £i,000 | £one,010.00 |
| £25,000 | £25,250.00 |
| £50,000 | £fifty,375.lxx |
This is merely an example and doesn't accept into account your private circumstances.
The case assumes that:
- no further deposits or withdrawals are fabricated;
- whatever interest earned stays in the business relationship; and
- in that location is no alter to the interest rate.
How do I open and manage my account?
You may only open a Order M Saver if you lot have a Society M Account with u.s.a. in the aforementioned proper noun(southward).
The Gild Grand Saver will stay open up, as long as the Club M Business relationship is maintained as described in the Terms.
The Club M Account tin be opened online, virginmoney.com/current-accounts/order-m-business relationship, or telephone call u.s.a. on 0800 678 3654. If yous already have the Club G Account just practise non take the Society Thousand Saver, then this can be opened online, virginmoney.com/lodge-m-saver, or call us on 0800 678 3654
There are no minimum or maximum balance restrictions and no need to pay in on a regular basis. The Club M Account is available for anyone from the historic period of 18. Subject to condition.
Can I withdraw money?
You may only withdraw funds past transfer to your Lodge M Account or whatsoever other account that we permit you to brand a transfer into using cyberspace/phone banking, the Virgin Money Mobile Banking app or in Store.
Additional Information
Interest will be paid gross.
Gross rate interest is the interest payable without taking account of whatever tax payable.
AER (Almanac Equivalent Charge per unit). The Annual Equivalent Rate illustrates what the interest rate would be if involvement was paid and compounded once each twelvemonth.
Production information and policy wording documents
The cover provided is subject to certain conditions, exclusions and policy limits. Some pre-existing medical weather are covered and some may exist covered by paying an additional premium. It is important you read the full details before applying.
- Insurance Product Information Document Link opens in a new window
- Club M Account Insurance Policy Wording Link opens in a new window
Worldwide Family Multi-Trip Travel Insurance
Insurance provider: American International Group Uk Limited (AIG).
(Excludes travel in, through or to Republic of cuba, Iran, Syria, Sudan, Democratic people's republic of korea or the Crimea region)
Medical Encompass Directory
If AIG are unable to provide embrace for your medical weather condition, MoneyHelper has introduced a directory of travel insurance firms which can assist consumers with existing medical atmospheric condition access travel insurance that covers their atmospheric condition. For instance, this might include how you can get cover for a weather condition that may be currently excluded on your policy or where you are paying an boosted premium to embrace your medical weather(s).
If y'all would like further information, delight visit MoneyHelper or call 0800 138 7777
Great britain Breakup Cover
Insurance provider: Light-green Flag.
Mobile phone and Gadget Insurance
Insurance provider: Assurant General Insurance Limited.
What is an Bundled Overdraft?
This is a borrowing limit on your account that we agree with you in advance, so information technology's there when you need it. You'll pay Arranged Overdraft involvement on the corporeality y'all choose to use.
What is an Unarranged Overdraft?
This is where you infringe from the states when in that location is no money left in your business relationship (or when you accept gone past your Arranged Overdraft limit) and this has not been agreed with u.s. in advance. You will pay Unarranged Overdraft interest.
If y'all don't have enough coin in your business relationship to cover a payment, nosotros may accuse a Refusing A Payment Due To Lack Of Funds Fee. You should aim to repay your overdraft borrowing as apace equally possible and use it responsibly every bit your usage volition be reflected in your credit file.
Will y'all get an arranged overdraft?
Use our eligibility calculator and find out. It won't exit a marking on your credit file.
Who can have up this offer?
- New Thousand Plus Account and Gild Thou Business relationship customers who:
- are 18+;
- are resident in the UK;
- don't already have an M, One thousand Plus or Guild M current account, and haven't closed 1 recently (since 31 Jan 2022); and
- haven't previously taken up a Brighter Money Bundle or Virgin Red Points offering for switching to Virgin Money.
How practice y'all have upwards this offer?
- Apply online for our M Plus or Club Grand Account.
- You won't be able to accept upwardly this offering if we need to decline your application. This could happen for example, if you aren't eligible due to your financial circumstances. This includes where we offer you the Thousand Business relationship instead of the M Plus or Club K Account.
- One time your new current business relationship is open, you must consummate the following steps within 45 days of your account opening date.
- Fully switch your existing electric current account to us using the 'Current Business relationship Switch Service', with at least 2 straight debits.
- A full switch means that all your regular outgoing payments from your existing current account volition be transferred to your new electric current account and your existing account volition be airtight on the date you select to switch. Note, this doesn't include whatever recurring payments set on your erstwhile debit carte, such as film and music streaming subscriptions.
- As part of the switch any direct debits will be transferred to your new account for you. If you don't accept two direct debits you can set these up as soon as your account is open up.
- If you are switching from a joint account, you'll need to make sure both business relationship holders agree to a total switch.
- You can notice out more nearly the 'Current Account Switch Service' process here.
- Download and login to the Virgin Money Mobile Banking app. You can do this as soon as your account is open up.
- Both our M Plus and Club M Accounts come with a linked savings account. You must pay in at to the lowest degree £1,000 into your linked Thou Plus Saver or Club Grand Saver, and continue this in your account until we transport you your Virgin Scarlet promo code.
- Fully switch your existing electric current account to us using the 'Current Business relationship Switch Service', with at least 2 straight debits.
What is the offer?
- Virgin Red is a rewards lodge that turns your everyday spending into Virgin Points.
- If you run into the offer conditions, nosotros will e-mail you a Virgin Blood-red promo code to get 20,000 Virgin Points on us. If you haven't already, you'll need to join Virgin Red to go the points. Information technology's quick and piece of cake to sign-up and the best bit, it'south totally complimentary. Caput here to join Virgin Red now. Link opens in a new window
- Virgin Points tin be spent on a wide range of exciting rewards ranging from Everyday Treats to Extraordinary Experiences and everything in between. Log in to the Virgin Red app or expect at the Virgin Red website and notice all the unlike options.
- We'll ship yous an e-mail with your promo lawmaking inside fourteen days of you meeting the offering conditions. We'll ship your promo lawmaking to the email you gave during your account awarding. The e-mail will provide instructions on how to sign-up (if you aren't already a Virgin Red fellow member) and redeem the promo lawmaking within the Virgin Red app or website.
- Your Virgin Red promo code tin can exist used until 30 April 2023. Make sure to redeem your promo lawmaking earlier then.
- After you've redeemed your Virgin Ruby-red promo lawmaking, the points are added to your Virgin Cherry-red account. There is no specific expiry appointment for using the points. You'll be complimentary to use them in line with Virgin Red'due south programme terms. Link opens in a new window
- We idea we should highlight a few key things from Virgin Cerise's program terms:
- the points don't have a cash value and they can't be swapped for cash or transferred to anyone else (except equally set up out in the Virgin Red terms).
- The number of Virgin Points y'all tin can earn or the number of Virgin Points you need to spend to obtain a reward may change at any time.
- Although we'll be working closely with our friends at Virgin Red on this promotion, we aren't responsible for their terms, their marketing, or any of the offers available through Virgin Red. Just contact Virgin Scarlet if you lot have whatever questions well-nigh these topics.
When can you take up the offering?
- The offer will be bachelor on an ongoing basis until we withdraw information technology. We tin withdraw the offer without giving you lot any advance discover, merely nosotros'll try to give some notice if we can.
- Y'all don't demand to worry if we withdraw the offer when you're part manner through meeting the offer weather condition. As long as yous'd submitted your business relationship application before we withdraw the offer, y'all tin still authorize. You lot'll just demand to continue to meet the rest of the conditions.
What else practise you need to know?
- You lot can simply benefit from this offer one time. If you are a articulation account holder, y'all tin only have part one time between you and your articulation account holder.
- Applications for the M Plus Business relationship and Club M Business relationship are subject area to status and eligibility criteria.
- Nosotros'll use your personal information to help us run the offer.
- English language constabulary applies to the offer.
- If something goes wrong, we'll endeavour to fix it. If we can't because it's something nosotros can't control, or it's not our fault, then we may have to modify the offering. This includes suspending the offer or ending information technology early. Nosotros can make such changes without giving you discover. However, we'll try our best to avoid making changes. And we'll attempt to minimise any disappointment to you when nosotros make changes.
Who is the promoter?
- Nosotros are Clydesdale Banking company PLC trading as Virgin Money.
- Our company number is SC001111.
- Our registered role is 30 St Vincent Place, Glasgow, G1 2HL.
Go started
What kind of account do you want?
Take control of your coin
With the Virgin Money App and Online Service.
- Sign in securely
- Use your face or fingerprint. Or prefer a postcode? That's fine.
- Primary your money
- View transactions and sort your spending by category.
- Save savvily
- Set bated money for those must haves, with Savings Pots.
Notice our app
Currently you can but manage your business relationship with united states of america face to confront in a few of our stores. Acquire more than Link opens in a new window.
Virgin Money Cashback
Money back in your hands when y'all shop with top brands
Notice Cashback
Protecting your money
- Security
- We're all over your online transactions to make certain it's really you making them.
More about security
- FSCS guarantee
- Your eligible deposits with Virgin Money are covered up to £85,000 per person.
View the FSCS guarantee
- Current Business relationship Switch Guarantee
- Information technology's easy to use our switching service, and it's all backed past the Current Account Switch Guarantee.
More on switching
- HooYu ID checks
- Identification checks are completely prophylactic and secure thanks to our trusted ID verification partner HooYu.
More on Hooyu
Which account has your name on it?
This isn't the only current business relationship we tin can offer you lot. To assist yous decide if information technology'south the 1 for yous, see how it stacks upward against our others.
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Source: https://uk.virginmoney.com/current-accounts/club-m-account/
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