Our regulators and authorisation
Virgin Money Personal Financial Service Ltd is authorised and regulated by the Financial Services Authority. Registered office: Discovery House, Whiting Road, Norwich, NR4 6EJ. Registered in England no. 3072766. Entered on the Financial Services Authority’s Register (www.fsa.gov.uk/register/), Register Number: 179271.
ISA
The Virgin ISA is provided by Virgin Money Personal Financial Service Ltd which is authorised and regulated by the Financial Services Authority. Registered office: Discovery House, Whiting Road, Norwich, NR4 6EJ. Registered in England no. 3072766. Entered on the Financial Services Authority’s Register (www.fsa.gov.uk/register/), Register Number: 179271.
Pension, Unit Trust and PEP
The Virgin Stakeholder Pension, Virgin Unit Trust and Virgin PEP are provided by Virgin Money Unit Trust Managers Ltd which is authorised and regulated by the Financial Services Authority. Registered office: Discovery House, Whiting Road, Norwich, NR4 6EJ. Registered in England no. 3000482. Entered on the Financial Services Authority’s Register (www.fsa.gov.uk/register/), Register Number: 179748.Life and Cancer Cover
Virgin Life and Cancer protection is promoted by Virgin Money Personal Financial Service Ltd and is provided and administered by Scottish Widows plc, registered in Scotland No. 199549. Registered office 69 Morrison Street, Edinburgh, EH3 8YF. Scottish Widows is authorised and regulated by the Financial Services Authority, and are entered onto their register No. 191517 (this information can be checked at www.fsa.gov.uk/register/ or telephone 0845 606 1234). Our agreement with Scottish Widows means that we can only offer life and cancer insurance through them.
General Insurance
Virgin Home Insurance, Virgin Car Insurance, Virgin Travel Insurance and Virgin Pet Insurance are promoted by Virgin Money Personal Financial Service Ltd and are underwritten by UK Insurance Limited. Registered office: the Wharf, Neville Street, Leeds, LS1 4AZ. Registered in England no. 1179980. UK Insurance Limited are authorised and regulated by the Financial Services Authority and are entered onto their register (www.fsa.gov.uk/register/), Register No. 202810. Conditions apply. Calls may be recorded. Our agreement with UK Insurance Limited means we can only offer Virgin's home, car, travel and pet insurance through them.
Credit Card and Loans
The Virgin Credit Card is issued by MBNA Europe Bank Limited, Registered Office: Stansfield House, Chester Business Park, Chester, CH4 9QQ. Registered in England Number 2783251. For full details of MBNA interest rates and payment requirements please see the terms and conditions of the credit card. Written quotations available on request. Credit is available, subject to status, only to UK residents aged 18 or over. As the Virgin Credit Card is issued by MBNA you can't transfer a balance from another credit card issued by them. For details of how your repayments are used to pay off your balance, please refer to section 2f of your terms and conditions. We will monitor or record some phone calls.
Loans provided by MBNA Europe Bank Limited, Registered Office: Stansfield House, Chester Business Park, Chester, CH4 9QQ. Registered in England Number 2783251. Loans available from £3,000 to £25,000, over 12 to 72 monthly repayments between £50.70 and £2,159.61, and the total amount payable between £3,650.61 and £25,915.30. Additional charges £0. Optional charges £25 for next day cash into your bank account. Typical rate 6.9% APR.
Loans are available to UK residents aged 18 years and over and are subject to status. MBNA is authorised and regulated by the Financial Services Authority. MBNA may monitor or record telephone calls. Funds are paid subject to return of a signed agreement.
MBNA Europe Bank Ltd is authorised to accept deposits by the Financial Services Authority in the UK and licensed to provide consumer credit by the Office of Fair Trading in the UK. MBNA Europe Bank Ltd is entered on the Financial Services Authority's Register (www.fsa.gov.uk/register/) with Financial Services Authority Register Number 204487.
The Virgin Credit Card and personal loans are offered through Virgin Money Ltd, registered office: Discovery House, Whiting Road, Norwich, NR4 6EJ. Registered in England no. 4232392. Virgin Money Ltd is an introducer appointed representative only of Virgin Money Personal Financial Service Ltd.
If you are combining other cards and loans into a Virgin Personal Loan, the monthly payment may be lower. The total amount payable will depend on the length of term you choose. Examples are for illustrative purposes only and assume that no charges are incurred as a result of the early settlement of other loans.
The Members Shop is provided by Virgin Money Limited. Registered Office: Discovery House, Whiting Road, Norwich NR4 6EJ. Registered in England Number 4232392.
Deposit Account
The Virgin Deposit Account is a personal deposit account with The Royal Bank of Scotland plc who comply with the Banking Code. The Royal Bank of Scotland plc is authorised and regulated by the Financial Services Authority. Entered on the Financial Services Authority's register (www.fsa.gov.uk/register/), number 121882.
Share Dealing
The Virgin Share Dealing service is provided by The Share Centre Ltd, which is a member of the London Stock Exchange and authorised and regulated by the Financial Services Authority, register number 146768. The Share Centre Ltd is a separate firm of stockbrokers working in association with Virgin Money Personal Financial Service Ltd to provide this service. Virgin Money Personal Financial Service Ltd is also authorised and regulated by the Financial Services Authority. The Share Centre Ltd is registered in England no. 2461949. Registered office: Oxford House, Oxford Road, Aylesbury, Buckinghamshire, HP21 8SZ. Entered on the Financial Services Authority's register (www.fsa.gov.uk/register/), number 146768.
Guaranteed Equity Bond
The Virgin Money Guaranteed Equity Bond is offered through Virgin Money Personal Financial Service Ltd and provided by Abbey. Abbey National plc is authorised and regulated by the Financial Services Authority. Registered office: Abbey National House, 2 Triton Square, Regent's Place, London NW1 3AN. Abbey and the flame logo are registered trademarks. Registered in England No. 2294747. Entered on the Financial Services Authority's register (www.fsa.gov.uk/register/) number 106054.
All products are open only to residents of the United Kingdom. All calls are recorded and randomly monitored.