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Virgin Money — Newcastle-headquartered UK challenger bank, now part of Nationwide Building Society, regulated by the FCA and PRA, offering current accounts, ISAs, mortgages and investment ISAs.

HQ
Newcastle upon Tyne
Customers
6.6M+ UK customers
Connection
Open Banking (read-only)

  • Current accounts and salary inflows

    Your Virgin Money current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.

  • Savings, deposits and pots

    Easy-access savings, fixed-term deposits and goal-based pots offered by Virgin Money are read alongside the current account so the full balance is never split.

  • Cards and recurring spend

    Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.

  • Standing orders and direct debits

    Mortgage payments, rent, utilities and SEPA direct debits hitting your Virgin Money account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.

  • Savings accounts

    Read by Bank AI

    Easy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.

  • Joint accounts

    Read by Bank AI

    Joint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.

  • Business accounts

    Read by Bank AI

    Where the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.

  • Multi-currency balances

    Not yet supported

    Multi-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.

  • Debit and credit cards

    Read by Bank AI

    Card-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.

Auto-classified merchants

  • Tesco
  • Sainsbury's
  • Asda
  • Morrisons
  • M&S Food
  • Amazon UK
  • Costa
  • Greggs

Detected subscriptions

  • Sky UK
  • Netflix
  • Spotify
  • Disney+
  • BT
  • Virgin Media

  • What's my Virgin Money current account, Cash ISA and S&S ISA balance today?
  • Compare Virgin Money credit-card spend with my other UK card balances.
  • List every active subscription on my Virgin Money credit card.
  • How much have I contributed to my Virgin Money Stocks & Shares ISA this tax year?

Does Bank AI move money on my Virgin Money account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Virgin Money. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Virgin Money app.

How does Bank AI connect to Virgin Money?

Virgin Money exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.

Now Virgin Money is part of Nationwide, how does Bank AI handle it?

The 2024 Nationwide acquisition didn't change how customers connect over PSD2. Virgin Money continues to operate under its own brand and account credentials in Bank AI; the Nationwide group ownership is reflected in the bank one-liner only.

Does Bank AI read my Virgin Money Stocks & Shares ISA?

Yes. Virgin Money's Stocks & Shares ISA and Cash ISA are read as distinct sub-balances under your Virgin Money connection, with the annual ISA subscription cap visible.

Does Bank AI surface Virgin Money credit cards?

Yes. Virgin Money credit-card balances and statements are read alongside your current account, with card-on-file subscriptions detected on the same taxonomy as every other bank you connect.

What happens if Virgin Money raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Virgin Money-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.

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