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Virgin Money M Account

Our better than basic bank account with super smart tools to help manage your money

Who is the M Account for?

The M account is our free to use and super straightforward current account. If you're 16 or over and looking for a simple current account, it could be just what you're looking for.

It's also there for you if you've experienced financial difficulties or have a poor credit record. This might make it harder for you to be accepted for other bank accounts. You can open this account over the phone or in store.

What are the benefits?

  • It comes with our handy mobile app for smarter money management, plus a linked savings account
  • You can open this account with little or no credit history
  • We can accept non-standard ID for your application

Just remember

The M Account doesn’t come with an Arranged Overdraft. If you’re over 18 and looking for a current account which offers an overdraft (subject to status) then take a look at our Virgin Money Current Account.

View our M Account

Previous Readycash current account customers

If you previously had a Readycash current account, you’ve now been given a Virgin Money makeover and you have a shiny new M Account.

All your account details are still the same and your Direct Debits, standing orders and any arranged overdraft facilities haven't changed.

You can find all the details about your account at our new customer hub on the Virgin Money website.

What if I don’t want an M Account?

Have a look on to learn more about our other available accounts. If you’d prefer one of our other current account products, you should call us or visit one of our Stores and we can arrange this for you (subject to status and eligibility).

Or you can choose to close your account without charge once you’ve repaid any unarranged overdraft

I use the mobile app. Can I continue to use it?

If you’re using the Clydesdale Bank app, you can now switch over to our Virgin Money mobile app in a matter of minutes with your existing passcode. Just download it and the Virgin Money app will show you what to do.

Can I still use Internet Banking?

You can now start using Virgin Money online banking with the same sign in details as before. Everything you could do with Clydesdale Bank online banking will still be there for you - but this time, you’ll get the iconic Virgin look and feel.

Where can I find more information about the M Account?

Visit our M Account existing customer hub to find out more.

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