Easy access
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 4.31%. Updated daily.
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 4.16% 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 4.06% is significantly lower than today's market-best rate of 6%.
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How we picked theseCash ISAs
Table: sorted by interest rate
Virgin Money's best cash ISA rate of 4.16% is lower than today's market-best rate of 5.44%.
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How we picked theseFixed-rate bonds
Table: sorted by interest rate
Virgin Money's best fixed-rate bond rate of 4.16% is very slightly lower than today's market-best rate of 4.62%.
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How we picked theseBusiness savings accounts
Table: sorted by interest rate
Virgin Money's best business savings account rate of 4.1% is very slightly lower than today's market-best rate of 4.55%.
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How we picked these
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, business |
|---|---|
| Best easy access rate | 4.06% |
| Best cash ISA rate | 4.16% |
| Best fixed-rate bond rate | 4.16% |
| Best business savings account rate | 4.1% |
| Fixed bond terms | 1 year |
| Opening options | Branch, website, post, telephone |
| FSCS protection |
Other popular accounts
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)
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?
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 is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
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Google Play Store,https://play.google.com/store/apps/details?id=com.virginmoney.uk.mobile.android&hl=en_GB
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
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