Virgin Money Credit Card 4+

This works ok to control the card, but if you have two or more cards that have slightly different names such a F Blogs and Fred Blogs you can’t register both on the same app and you can only have one app on a device. The old system of having all accounts, current, saving and credit cards in one place was far better and making payments with a simple transfer was a lot easier than using this app and having to put all the details in, acc number, Name, address etc. This app works but it’s a step backwards in convenience.
Update - the app developers contacted me to say that the two cards could be linked by amending the names. The name on the second chard was amended and then the linking was straightforward. I can now see both cards on the one app which is far better. The info is all there and everything seems to work well. However, I still preferred the old system of having all credit cards and bank accounts on one app so payments (via a simple account transfer) were easier rather than having to complete payment details each time.

Hi there, appreciate that and if that is the case, our app team can update your account so they match and you're able to view all accounts via the app easily. They're available on 0800 328 3579 from 8am - 6pm weekdays and 9am - 3pm Saturdays.

Let me start by saying that the virgin credit card service has always been a good service for me and I have enjoyed being a customer with no real problems. That being said the credit card app needs a lot of work before it can be considered a competitive app to the other banking apps out there. After learning that they were turning off their online service and the only way to see your credit account would be to use the app I was disappointed to find out that they hadn’t improved the app since the last time I used it. The interface of the app isn’t very smooth, the information available isn’t as good as the online service (imo) but most frustratingly of all (for me) is that EVERY time you want to pay an amount off your balance, you have to input your payment card details as if it were the first time (I’m happy to be corrected if I’m wrong), this is so annoying as it means I can’t just quickly jump on and make a payment, I have to make sure I have the payment card details in front of me and actually spend time entering all the details EACH TIME I pay. In this day and age where you can choose to have you card details stored in every which way possible for transactional ease, I’m completely unimpressed with the fact that you can’t with the Virgin App (who arguably consider themselves one of the more modern banks), in all honesty it genuinely is enough for me to want to close my account. I really hope it is something Virgin are going to change.

Hi there, appreciate your feedback on this and storing payment details is something we know customers would love to see in an update so we're looking into this. Keep an eye out for more updates in the next few months.

I’ve used many banking apps and love the main Virgin Money current/savings account app and find it really useful and full of features. However, my main request is that they merge this app with it. As a customer with many products, it’s quite difficult with many different apps. Merging it with the main app would allow for easier management. Moreover, it is REALLY frustrating that the app can only be registered on one device, especially when there is no online service. For couples sharing one card it is really frustrating one can only pay the balance and view transactions, and means if you don’t have access to the device for a period you are unable to manage other than over the phone. The balance system including payments is also very outdated and takes a while for transactions to count towards the balance - meaning it’s very easily to build up a balance without constant monitoring if you use it for everyday spending. A easier direct debit instruction for one-off payments would be useful, or swoops to instantly pay off transactions with your current account.

However, some features are useful. Managing the card itself via the app is good and customer service overall is great. Atlantic points are one of the biggest advantages in the finance industry currently so I will try to continue using - but I’d like a complete overhaul to allow it to compete with the likes of Tesco Bank or American Express.

Hi there,

thanks for your review and we appreciate all of the points you have raised in regard to the App.
Hopefully in the not too distant future we'll have an App that will allow access to more accounts across the Virgin Money bubble. Keep your eyes peeled on our website and any correspondence in reference to this.