Virgin Money Credit Card User Reviews

Virgin Money Management Services Limited

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Virgin make impossible to easily up payments to credit card.

I openly state upfront, I loved the previous bank it was, Yorkshire Bank, and after initial r]teething issues, their app experience was sweet and both the credit card and the current account resided in the self-same app. Halcyon days…now, I just made an extra one-off payment from my current account, to the credit card using the credit card app Virgin supply, this app…it invokes the safari browser, it invokes the current account app, as well as this app…the screens flick this way and that, I feverishly search each new an unfamiliar page thrown at me, and tap the next different thing to move the sluggard process on… This is garbage as a process not least because it looks EXACTLY like it would if a hostile actor were trying to scam you. The flicking of pages and in and out of the browser, screams ‘junkyard app’, and ‘cobbled-together’ is the best description I could come up with. It’s a security risk and a clunky bunch of garbage, I assume it’s to do with the latest takeover of this bank. As a customer I am not impressed. I genuinely hate my bank now. It’s not even funny, they’re rubbish and interactions are like being in the 1970’s like I say. I did the 1970’s, I don’t want to go back there. A terrible and backward bank that has made my banking experience much worse.

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sleekitwan

a month ago

Response from developer

Good afternoon - appreciate you sharing your views. We understand the recent changes made to our digital tools may take a bit of getting used to and I can only apologise if you feel that these changes have hindered your experience rather than enhancing. The most recent update has included the removal of the option to pay by Debit Card and replacing this with 'Bank payment'. By doing this, it allows the customers payment to clear within a few hours as opposed to 2 working days when paying by Debit Card. Again we understand that this option might not be suitable for all customers and still allow Debit Card payments to be made using the automated telephone service.

App doesn’t like me :(

Every time I input my card info it rejects it. Am I cursed?

JGEvans1

2 months ago

Response from developer

Hi there thanks for stopping by, sorry to hear you're having some trouble registering with the App. Have you tried linking with the Mobile App team directly for them to check this on their end? You can call our Mobile App team on 0800 328 3579. The team is available Monday to Friday from 8am to 6pm, and Saturdays from 9am to 3pm.

Clunky, awful app. 10 screen changes to make a payment.

I openly state upfront, I loved the previous bank it was, Yorkshire Bank, and after initial r]teething issues, their app experience was sweet and both the credit card and the current account resided in the self-same app. Halcyon days…now, I just made an extra one-off payment from my current account, to the credit card using the credit card app Virgin supply, this app…it invokes the safari browser, it invokes the current account app, as well as this app…the screens flick this way and that, I feverishly search each new an unfamiliar page thrown at me, and tap the next different thing to move the sluggard process on…

This is garbage as a process not least because it looks EXACTLY like it would if a hostile actor were trying to scam you. The flicking of pages and in and out of the browser, screams ‘junkyard app’, and ‘cobbled-together’ is the best description I could come up with. It’s a security risk and a clunky bunch of garbage, I assume it’s to do with the latest takeover of this bank. As a customer I am not impressed.

I genuinely hate my bank now. It’s not even funny, they’re rubbish and interactions are like being in the 1970’s like I say. I did the 1970’s, I don’t want to go back there. A terrible and backward bank that has made my banking experience much worse.

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sleekitwan

9 months ago

Response from developer

A garbage app for a garbage product

First lesson: read the small print. I thought I had signed up for a credit card, instead I got a credit-card-shaped piece of plastic with the word “credit” written on it (some stupid “Virgin money slice” product). But OK, I can use it to buy things, and I can use the “Virgin Money Credit Card” app to manage it. Which is where the fun starts. The app defiantly works on a single phone-shaped device. No horrific managing your account on your PC or tablet, no… which of course makes using customer chat interesting (disclaimer: I’m one of those defective humans that finds real keyboards easier than phone keyboards, and who wants to see both the chat and the app you’re troubleshooting). Still, I you can do everything easily with the app. Except manage payments and setup/view your direct debits, which is a nightmare. But hey, gotta admire the “courage” of a financial services company making it extremely difficult for people to pay back the money they were lent. So yeah, get this card, but be prepared to phone customer service for anything, because the app is useless garbage and there’s no “use the website” fallback.

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bunglefish

a year ago

Response from developer

Good Morning, thanks for taking the time to leave us some feedback. Sorry you've found some issues with managing your account via the Mobile App. Extensive research was carried out prior to removing the website platform in favour of this, but we appreciate this is not for everyone. As a result we do have some online forms that you can use to manage the account if you prefer that, they can be found here: https://uk.virginmoney.com/credit-cards/manage-your-card

Can’t create further instalment plans

The new version of the app says I’ve room for more instalment plans but doesn’t have a way of creating them. As this is an app-only product I therefore can’t create a new instalment plan. I’ve deleted and reinstalled the phone and chatted to some polite and friendly agents, but am stuck until the underlying issue is resolved.

To answer the developer queries (and the updated version 17th Jan still has the same problem): I’ve got 5 open instalment plans, additionally some have been completed as normal and some have been completed earlier than the original term. I’ve looked through my statements and think that it is possible I have 5 currently uncompleted and 5 that are completed early and would still be active at the moment if they had not been completed early. Perhaps that is the bug? There are 8 listed on the manage screen in total (5 active and 3 completed early) and 2 no longer listed which were completed a few months ago but would otherwise still be ongoing plans.

No - on the recent transactions screen there is nothing showing to create instalment plans from the transactions that are eligible (there’s 2 greater than £250 and within the last 30 days).

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catty boo boo

a year ago

Response from developer

Hi there, thanks for your review If you tap on your most recent transactions - does it show any offers available to create an instalment plan at all or have you exceeded the maximum number of plans you can have in place at any one time which is 10?

Not as good as others

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.

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Reviewer_Carlisle

a year ago

Response from developer

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.

Doesn’t recognise my card number

I have 2 credit cards with virgin money Australia and the app doesn’t recognise my card numbers at all. Yet I need this app to connect to Xero and there is no connectivity with Virgin to Xero. Fix it.

Jamirokim

a year ago

Response from developer

Hi there, thanks for the review. Do you have Credit Card with Virgin Money in the UK? Just you've left a review in the UK store as opposed to the Australian one. For Virgin Money Australia's contact details they can be found at https://virginmoney.com.au/help/contact-us.

Shocking app

I’m new to this app as not had a Virgin credit card before. It’s slow and clunky. Worst bits for me: most banking and credit card apps now offer notifications for any kind of transaction - so online or in store. This app does not and I think that’s a very big mistake in this day and age for fraud. So unless you’re checking in to the app regularly, you’d be unlikely to spot a fraudulent transaction until later - this has happened recently with my partner, who also got the card and app. This is a basic piece of tech that gives customers peace of mind and saves financial companies money. I have spoken with customer services (as I couldn’t quite believe they didn’t offer this) who confirmed the app does not offer transaction notifications. By the way, it took 1 hour and speaking to 3(!) different employees to get that information! Secondly, if you make a card payment it doesn’t show as ‘a payment pending’ in the app. You have to wait 2-3 days to see it appear when it’s cleared. I wish I hadn’t gone for this card.

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Bubbin678

2 years ago

Response from developer

Hi, thanks for taking the time to leave the review. We're always looking at ways to improve the App and will be sure to share your feedback. There are some updates coming to the App soon so we'd advise keeping an eye out for those and the App description detailing what the update(s) include.

This app is for UK not Australia

Downloaded the app, and noticed that my credit card number is not being recognised.
So I then decided to check the description of the app and noticed it was referring to pounds. Plus the 1 star reviews from Australia confirmed my suspicion that this app is not for Australia.
Such poor communications, clearly not thought through properly. You could use a better change manager, I know someone, me.

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Wanda079

2 years ago

Response from developer

Hi there, thanks for the review. If you're needing the Australian App then please follow this link https://apps.apple.com/au/app/virgin-money/id1198060050 it'll show you exactly where you need to access it from and please ensure that you're connected to the Australian App Store as opposed to the UK one

No overseas access

Poor service - you take over the Yorkshire Bank and don’t offer services such as overseas money transfer, ability to manage credit card via app. Reported numerous times - no explanation and no change

Dexter854

2 years ago

Response from developer

Hi Dexter, thanks for leaving your review. Could you give us a bit more information about the issue you're having within the app so we can point you in the right direction?