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One of our best rates available for current account savers

M Plus Saver

2.25%

AER1 (2.23% gross2 per annum variable) on savings balances up to £25,000, and 1.75% AER1 (1.74% gross2) on any balances above £25,000. Interest paid quarterly.

This rate applies from 16 June 2025. Until then, you'll earn 2.50% AER1 (2.48% gross2 per annum variable) on balances up to £25,000 and 2.00% AER1 (1.99% gross2), on any balances above £25,000. Find out more about our rate change.

  • Freedom to pay money in and take it out whenever you want, with no fees or charges
  • Start saving straight away - there's no minimum pay-in amount
  • Feel the love with exclusive rewards from the linked M Plus Account

Savings that work as hard as you do

Introducing the M Plus Saver - our most flexible way to save. Start saving with as little as you like, and earn 2.25% AER* on balances up to £25,000.

  • Enjoy instant access
    Pay money in easily and access it whenever you like - there are no fees or charges to worry about.
  • Savings that add up
    Watch your money grow with in-credit interest on your current account and linked savings account.
  • Set your savings goals
    Pick a goal, create a Savings Pot for it, and transfer money into it when you can.

* 2.25% AER1 (2.23% gross2 per annum variable) on savings balances up to £25,000, and 1.75% AER1 (1.74% gross2) on any balances above £25,000. Interest paid quarterly. This rate applies from 16 June 2025. Until then, you'll earn 2.50% AER1 (2.48% gross2 per annum variable) on balances up to £25,000 and 2.00% AER1 (1.99% gross2), on any balances above £25,000. Find out more about our rate change.

With an M Plus Saver you'll also get...

A free and easy-to-use M Plus Account. Our most popular current account comes with an interest rate that hits the high notes. Earn 1.00% AER* on balances up to £1,000.

  • Virgin Money rewards
    We've got epic rewards for everyone. Brighten up your world with exclusive offers in our app.
  • Money back in your hands
    Earn cashback on your shopping when you spend with participating retailers.
  • No fees when you travel
    We won't charge you for using your card or withdrawing cash when abroad.

* 1.00% AER1 (1.00% gross2 per annum variable) interest rate, paid monthly, on your M Plus Account balance up to £1,000.

Ready, let's go!

What kind of M Plus account do you want?

Do you already have an account with us?

You may already have an M, M Plus or Club M Account with Virgin Money, or products with Clydesdale or Yorkshire Bank.

Start your application

Before you apply, make sure you know the key benefits and that this account is right for you.

Apply in the app for the best digital experience. If approved (usually immediately) you'll be able to use your account straight away.

If you would like an overdraft or you're a US citizen or tax resident outside of the UK, please apply online.

Thanks, that's great

Before you apply, make sure you know the key benefits and that this account is right for you.

We'll use your existing details to save you time. You'll need your customer number to sign in to online banking. If you can't remember your details we can remind you.

Sign in to apply

Thanks, that's great

Before you apply, make sure you know the key benefits and that this account is right for you.

We'll use your existing details to save you time. You'll need your customer number to sign in to online banking. If you can't remember your details we can remind you.

Sign in to apply

Do you already have an account with us?

You may already have an M, M Plus or Club M Account with Virgin Money, or products with Clydesdale or Yorkshire Bank.

Thanks, welcome to Virgin Money

Before you apply, make sure you know the key benefits and that this account is right for you.

It's quick and easy to open a bank account online. We'll need both your details so it's easier to do this together.

Apply online

Thanks, that's great

Before you apply, make sure you know the key benefits and that this account is right for you.

We'll use your existing details to save you time. You'll need your customer number to sign in to online banking. If you can't remember your details we can remind you.

Sign in to apply

Thanks, that's great

Before you apply, make sure you know the key benefits and that this account is right for you.

We'll use your existing details to save you time. You'll need your customer number to sign in to online banking. If you can't remember your details we can remind you.

Sign in to apply

Ready, let's go!

What kind of M Plus account do you want?

Do you already have an account with us?

You may already have an M, M Plus or Club M Account with Virgin Money, or products with Clydesdale or Yorkshire Bank.

Start your application

Apply in the app for the best digital experience. If approved (usually immediately) you'll be able to use your account straight away.

If you would like an overdraft or you're a US citizen or tax resident outside of the UK, please apply online.

Apply in the app

Thanks, that's great

We'll use your existing details to save you time. You'll need your customer number to sign in to online banking. If you can't remember your details we can remind you.

Sign in to apply

Thanks, that's great

We'll use your existing details to save you time. You'll need your customer number to sign in to online banking. If you can't remember your details we can remind you.

Sign in to apply

Do you already have an account with us?

You may already have an M, M Plus or Club M Account with Virgin Money, or products with Clydesdale or Yorkshire Bank.

Thanks, welcome to Virgin Money

It's quick and easy to open a bank account online. We'll need both your details so it's easier to do this together.

Apply online

Thanks, that's great

We'll use your existing details to save you time. You'll need your customer number to sign in to online banking. If you can't remember your details we can remind you.

Sign in to apply

Thanks, that's great

We'll use your existing details to save you time. You'll need your customer number to sign in to online banking. If you can't remember your details we can remind you.

Sign in to apply

Virgin Money rewards

Discover your rewards. Brighten up your world with exclusive offers in our app.

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Our app makes
money easy

It's packed full of clever tools to help you budget, top up your savings and sort out your spending.

Track your ins and outs

View transactions and sort your spending by category

Save savvily

Set aside money for those must haves, with Savings Pots

Budget better

Gone over-budget? The app lets you know

Pay easily

Just a fingertip away with Apple Pay and Google Pay

Discover our app

Protecting your money

Security
We're all over your online transactions to make sure it's really you making them.

More about security
FSCS guarantee
Your eligible deposits with Virgin Money are covered up to £85,000 per person.

View the FSCS guarantee
Current Account Switch Guarantee
It's easy to use our switching service, and it's all backed by the Current Account Switch Guarantee.

More on switching
FSCS protected

Which account has your name on it?

This isn't the only current account we can offer you. To help you decide if it's the one for your business, see how it stacks up against the others.

Compare accounts

1 AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

2 Interest will be paid gross. Gross rate interest is the interest payable without taking account of any tax payable.

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