Virgin Money 4+

Virgin Money (Australia) Pty Limited

    • Free



Whether you’re spending big, saving hard or simply building better money habits, we’re all for recognising and rewarding you every day, not just some day – with Virgin Money Points, perks and great experiences.

Simple banking you’ll love

• Joining is easy. Sign up for a new Virgin Money transaction or savings account in minutes - literally.
• Linking your existing Virgin Money credit card can be just as quick.

Money however you like

• Instantly link Apple Pay™ and start spending straight away
• Pay your mates and transfer money instantly with PayID & Osko
• Set up regular payments or pay your bills with BPAY
• Create a joint transaction or savings account

Anytime, anywhere

• All your money stuff right at your fingertips
• View your Virgin Money transaction, savings and credit card accounts in the one spot
• Track your spending and see upcoming bills
• Set goals and access Virgin Money Rewards on your transaction and savings accounts, from wherever you are
• We’re never far away with dedicated in-app customer service chat

Making money fitness fun

• Enjoy $0 monthly fees on our transaction and savings accounts
• Keep track of your spending with auto spend categorisation
• Set yourself spend budgets
• Know when your bills are coming
• Get clever insights and real-time alerts to help build good money habits faster
• We’ll put a whole virtual cheer squad of encouragement in the palm of your hand

Smash your savings goals sooner

• Get bonus interest on all your Virgin Money savings accounts when you meet the Monthly Criteria
• Set personalised savings goals and name them how you want
• Create up to 9 savings accounts to manage your money your way
• Round up your purchases to the nearest dollar on your Virgin Money transaction account and send it straight to your savings. Boom! Instant savings.

Enjoy our seriously rewarding transaction and savings accounts – with Virgin Money Rewards

• We’re all about recognising and rewarding you for how you spend, save and manage your money, every day
• Virgin Money Rewards is our all-new rewards program, available on Virgin Money transaction and savings accounts
• It neatly bundles Virgin Money Points, perks and great experiences, all tailored to you
• Earn Virgin Money Points on your everyday transactions
• Earn bonus Virgin Money Points by accessing great offers from hundreds of our partners
• Enjoy exclusive keep-it-in-the-family perks from other Virgin brands
• Book your next hotel stay at competitive rates inside the app, and earn bonus points when you do
• Use your points your way. Transfer them for cash back into your savings account, redeem a gift card from your favourite brand, even use them to erase a purchase you’ve already made! Now that’s rewarding.
• Refer a friend to our transaction account and we’ll reward you both – with some decent points to help you build your balance. T&Cs apply to this one.

Note: if you have one of our Flyer or High Flyer credit cards, you’ll continue to earn Velocity Frequent Flyer Points on your credit card, as you do today. (You can also enjoy Virgin Money Rewards, and earn Virgin Money Points, when you take out a Virgin Money transaction or savings account.)

Prepared by Virgin Money Australia, a division of Bank of Queensland Limited ABN 32 009 656 740 Australian Credit Licence AFSL 244616, the issuer of the transaction and savings accounts. Information provided is of general nature only and does not take into account your personal financial situation, needs or objectives. As we don’t know your financial needs, we can’t advise whether the products will suit you and prior to making any decision you should obtain and consider the relevant terms and conditions of each product before making any decision about whether to acquire or continue to hold it. For full terms and conditions, including information on eligibility criteria, fees and charges or Virgin Money Rewards go to

What’s New

Version 4.4.1

Resolved a bug affecting our Quick balance feature. You may be asked to set up Quick balance again.

Ratings and Reviews

2.4 out of 5
217 Ratings

217 Ratings

Archaeologygig ,

Good attempt

If I have time to browse, I love going through and customising features and seeing new products. BUT, if I am in a hurry, the only thing I am interested in, is the available balance and transactions. This version of the app, puts products and features ahead of speed and convenience. Home screens should have the most basic information, it is how google dominated the search engine wars. The app also only displays part of the account if there is a secondary card holder and does not plainly state “Available balance (black lettering)= xxxxxx” and “Outstanding balance (red lettering) = xxxxxx”. Instead, it uses minus signs and then a small font available balance. The nature of a credit card is debt, so using minus signs on a debt is not clear and simplified accounting for many households.
I do like the refreshed look and the fingerprint security addition.
This is not my preferred app version and look forward to a review.

Developer Response ,

Hi Archaeologygig. We love feedback at Virgin Money, and will be happy to pass on your thoughts and ideas. If you would like to share anything further, please email us at Thanks, Libby.

BrisKiwi ,

Much better but....

I just updated to the latest version of the app and it is a huge improvement over the other versions. Finally Face ID login. The reason for my 3 star review though is that after logging in I still have to navigate the menu to get to the only piece of info I really want to see, my credit card balance. I have zero interest in the spending graph as I spent the money so already know where it went. At the very least the Home Screen or Menu order needs to be customisable so I can get straight to this info. I don’t have any other accounts, just a credit card so don’t want to see anything else.

Developer Response ,

Hi BrisKiwi, thanks for your valuable feedback. We're always looking for ways to improve. I'll make sure we pass on your idea to our tech team for review. If you have any other thoughts or ideas, please feel free to email us at

Lenks76 ,

Still not working

This app historically never worked for me. It just sat on the loading screen for 1000 years. So I deleted it and forgot about it. This morning I get an email about the “all-new” app encouraging me to try it out. So I do. Five texts, zero logins and three OOPS SOMETHING WENT WRONG SOZ’s later, I get another text - “Thanks for updating your email address!” I did no such thing. I was never even able to log in at all. Again. So thanks very much, app developers. Not only is your app STILL broken, but I had to then call Virgin to make sure I wasn’t being skimmed or hacked in some way. Great use of my time. Much appreciated. Sort yourselves out, would you?

Developer Response ,

Hi Lenks76. We're sorry you've experienced this issue, it is known to the team and affecting a small number of customers. We're working on a fix. If you didn't manage to get the issue resolved, you can reach out on 13 37 39 so we can help you. Thanks, Adam.

App Privacy

The developer, Virgin Money (Australia) Pty Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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