the colour of money

At Virgin Money, we know the world of finance can be a bit grey and boring, and there are plenty of other things you’d rather spend your time thinking about. But we’re here to bring a little colour to banking – and have some fun too.

We never stop looking for ways to brighten up a customer’s day. From the friendly service at our Stores and Lounges to the standout designs on our credit cards – we sweat the small stuff to make everyone feel better about money.

In this guide you’ll find an introduction to the products we offer, plus some fantastic pictures of the animals we use to bring them to life in our advertising. If you feel like joining us in putting some colour into banking, why not grab a pencil and make a start by brightening the pictures in this booklet? And if that’s not for you, then why not try and win a fabulous holiday to the Caribbean, and other prizes from Virgin. Just turn the page to find out how.

We’re determined to make the world of banking a brighter place.

There’s money and there’s Virgin Money.

#BrighterBankingShare your colourings on Twitter or Instagram with #BrighterBanking for the chance to win a year's supply of beautiful colouring books.

WELCOME

WIN 7 NIGHTS IN TOBAGOEnjoy a week’s stay at the award-winning Coco Reef Hotel

Virgin Money and Virgin Holidays are pleased to offer one lucky person holding this book a dream holiday to Tobago. With a private white sand beach and 10 acres of landscaped tropical gardens, the Coco Reef is an idyllic setting guaranteed to put some colour in your life.

The prize includes:

> 7 nights bed and breakfast stay for two people at the Coco Reef in Tobago, rated 4V by Virgin Holidays.

> Return economy flights with Virgin Atlantic from London Gatwick.

> Access to the resort’s on-site leisure activities – including windsurfing, tennis and golf.

To find out more about the holiday and the other great Virgin prizes you could win go to virginmoney.com/colour. No purchase necessary.

Enter online at virginmoney.com/colour between 20 June and 19 August 2016 Terms and conditions apply.

For spenders and savers, shoppers and swappers

Whether you’re looking to get a better deal on your balance, free up some cash in your current account, or just get a smart deal on your everyday spending, we have a great pack of cards for you to pick from.

> Pick the perfect card to suit your needs from our balance transfer, purchase credit cards and more.

> No nasty surprises. If approved, you get our advertised offer.

> There’s a great range of designs for you to pick from, including our exclusive Sex Pistols theme and our cool retro cassette.

> Plus a handy calculator to help you find the right card.

Credit is available, subject to status, only to UK residents aged 18 or over.

For all our latest deals visit virginmoney.com/creditcards

CREDIT CARDS

Representative

20.9% APR* (variable)

*Rate correct at time of publishing

Big up your savings

Make more of your money with an account from an award-winning provider. You’ll be happier than a pig in bling.

> We have a wide range of tax-free cash ISAs and savings accounts for you to choose from, including easy access and fixed rate.

> We’re also proud supporters of the government’s Help to Buy: ISA Scheme.

> We don’t use introductory bonus rates that suddenly disappear. So you don’t have to keep moving your money around.

> And you will always get the same rate however you choose to open your account – online, in Store, by phone or post.

Visit us at virginmoney.com/savings, speak to us in Store or call us on 0345 606 7683.* We’re here from 8am to 8pm Monday to Friday, 8am to 4pm on Saturdays and 10am to 3pm on Sundays.

SAVINGS

Take it easy with one of our groovy, ready-made investments

Our Stocks and Shares ISA gives you the potential to beat savings rates by investing in the stock market.

> Stocks and shares ISAs are tax-efficient so you won’t pay tax on any growth in value or income from your investment.

> You can stop, start or change payments at any time. You can also pay in lump sums or regular amounts, and transfer in other ISAs too.

> You can withdraw your money at any time with no charge, although you should be ready to invest for at least five years.

> There is an annual ongoing charge of 1% of the value of your fund (1.86% for the Climate Change Fund, plus a performance fee may apply). There are no other charges.

Remember, the value of your investments can go down as well as up and you may get back less than you invest. You can only subscribe to one Cash ISA, one Stocks and Shares ISA and one Innovative Finance ISA in each tax year up to the current combined annual subscription limit of £15,240.

Tax depends on your individual circumstances and may change in the future.

To find out more visit virginmoney.com/ssisa or call us on 0345 607 6466.* We’re here from 8am to 9pm Monday to Friday, and 9am to 6pm on Saturdays.

STOCKS AND SHARES ISA

MORTGAGESDam good deals to choose from

Whether you’re a first time buyer, remortgaging, moving home or buying to let, we have a wide range of mortgages to help you into your dream home.

> We offer advice from qualified mortgage advisers when you need it, seven days a week.

> All of our mortgages come with flexibility as standard. You can overpay, request to skip a monthly payment and even take your mortgage with you when you move home (terms and conditions apply).

> We’ve won a few awards too, last year scooping both the Moneyfacts and Your Money Best Online Mortgage Provider 2015.

Visit us at virginmoney.com/mortgages or call us on 0345 605 0500.* We’re here 8am to 8pm Monday to Friday, 9am to 3pm on Saturdays and 10am to 3pm on Sundays.

HELP TO BUYWe’re proud to support the government’s Help to Buy Mortgage Guarantee, Mortgage Equity and ISA Schemes, designed to help people get on the property ladder.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Start your pension now. Have the time of your life later.

Take control of your retirement today – by opening a Virgin Money Pension. Even modest amounts can add up over time and give you an extra boost in retirement.

> Pensions are a great way to save for your retirement because the taxman tops up payments you make.

> Payments are super flexible so you can save at a rate to suit you.

> We keep these things simple with one annual ongoing charge of 1% of the value of your pension with nothing else to pay.

Remember, the value of your investment can go down as well as up and you may get back less than you invest. Tax benefits depend on individual circumstances and may change in the future.

The earliest you can normally take your pension savings is your 55th birthday. If you stop or reduce your payments you will reduce the amount you get back from your pension.

To find out more visit virginmoney.com/pensions or call us on 0345 607 6455.* We’re here from 8am to 9pm Monday to Friday, and 9am to 6pm on Saturdays.

PENSIONS

Insurance that won’t make you want to break things

> With a range of cover levels, choose the one that suits you, and don't pay for insurance you don't need.

> We always give our best renewal price when your cover is due to end, so there’s no need to call us and haggle for a better deal.

> We aim to settle on your first call and with our 24-hour UK-based claims helpline you’ll always get assistance when you need it.

To get a quote visit virginmoney.com/home or call us on 0330 303 1129.* We’re here from 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.

HOME INSURANCE

Virgin Money Home Insurance is provided by Ageas Insurance Limited.

Protect yourself from the worry of vet’s bills

> We have three levels of cover to choose from.

> Qualify for an introductory 10% discount when you buy online.**

> Multi-pet discount if you insure more than one pet on a policy.

To get a quote visit virginmoney.com/pet or call us on 0800 051 0477.* We’re here from 8am to 9pm Monday to Friday, 9am to 5pm on Saturdays and 10am to 5pm on Sundays.

PET INSURANCE

** Introductory discounts apply in the first year only, and discounts are applied consecutively.

Virgin Money Pet Insurance is underwritten by UK Insurance Limited.

Safari, surf or city? We’ve got you covered

> Choose from annual multi-trip, single trip or backpacker travel insurance. With 88 sports and adventure activities, from bungee jumping to windsurfing, covered as standard. 

> Kids are covered free when travelling with paying parents or grandparents – up to three under-18s per adult.

> You’ll get access to our 24/7 helpline for free travel advice and support.

To get a quote visit virginmoney.com/travel or call us on 0330 400 1421.* We’re here from 8am to 10pm Monday to Friday, and 9am to 5:30pm at weekends.

TRAVEL MONEYCommission-free currency with great exchange rates

Whether you’re jetting off on holiday or going away on business, Virgin Money Travel Money is the simple and convenient way to buy your currency.

> Ordering from a choice of 55 currencies is as easy as 1-2-3 – online, by phone, or in any of our Stores.

> Once you’ve ordered you can have it delivered to your door or to your nearest Virgin Money Store.

> Plus, you’ll get free home delivery on orders over £500.

To buy currency visit us at virginmoney.com/currency or call us on 0345 366 7705.* We’re here 24 hours a day, 7 days a week excluding Christmas Day, Boxing Day and New Year’s Day.

TRAVEL INSURANCE

Virgin Money Travel Insurance is provided by Insure and Go Insurance Services Ltd.

Virgin Money Travel Money is provided by Travelex Currency Services Limited.

Guaranteed to beat the exchange rates of other banks

A fast, fee-free money transfer service that’s easy to understand. Perfect if you’re buying property abroad, sending your salary home or paying someone overseas.

> We don’t charge any transfer fees, so your money goes further.

> Our award-winning service gives you access to a knowledgeable dealer when you need some help.

> Using us means you’ll have peace of mind knowing your transaction is secure.

> If you get a better quote from another bank, contact us within three hours and we will beat it.†

> The minimum transfer value is £1,000.

†Terms and Conditions apply – visit virginmoney.com/best-rate

To get started visit us at virginmoney.com/transfer or call us on 0330 159 3895.* We’re here from 8:30am to 5:30pm Monday to Friday.

INTERNATIONAL MONEY TRANSFER

Virgin Money International Money Transfer is provided by World First UK Limited.

*Calls to 03 numbers cost the same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. Calls may be monitored and recorded.

Virgin Money plc - Registered in England and Wales (Company No. 6952311). Registered Office - Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Virgin Money Personal Financial Services Ltd – Registered in England and Wales (Company No. 3072766). Registered Office - Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Authorised and regulated by the Financial Conduct Authority.

Virgin Money Unit Trust Managers Ltd – Registered in England and Wales (Company No. 3000482). Registered Office - Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Authorised and regulated by the Financial Conduct Authority.

The Virgin Money Credit Card is issued by Virgin Money plc. You will not be able to transfer a balance from another Virgin Money Credit Card and should not use your card to repay other borrowing from Virgin Money.

Mortgages and most savings accounts, including Cash ISAs are provided by Virgin Money plc.

The Virgin Money Stocks & Shares ISA and the Virgin Stakeholder Pension are promoted by Virgin Money Personal Financial Service Ltd and provided by Virgin Money Unit Trust Managers Ltd.

Virgin Money Home Insurance is promoted and arranged by Virgin Money Personal Financial Service Ltd and arranged and administered by Ageas Retail Limited.

Virgin Pet Insurance is promoted by Virgin Money Personal Financial Service Ltd and is underwritten by UK Insurance Ltd.

Virgin Travel Insurance is promoted by Virgin Money Personal Financial Service Ltd and is arranged and administered by Insure & Go Insurance Services Ltd.

Virgin Money Travel Money is provided by Travelex Currency Services Limited on behalf of Virgin Money Personal Financial Services Ltd.

Virgin Money International Money Transfer is provided by World First UK Limited. Registered in England No. 05022388. Registered Office: Millbank Tower, 21-24 Millbank, London, SW1P 4QP. World First UK Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900508).

Virgin Money Giving helps you raise more money for charity

Inspired by our sponsorship of the London Marathon, we started Virgin Money Giving as a not-for-profit alternative to JustGiving, so more of the money you raise goes to your charity.

> We work with over 8,000 UK charities that you can raise money for.

> Use us to fundraise when taking part in an event or taking on a personal challenge. Or create a page to raise money in remembrance of a loved one, perhaps collecting donations instead of flowers.

> Your fundraising account can be managed online or by using our free mobile app.

Our site is packed with fundraising ideas and tools to help you raise more for your charity. Visit virginmoneygiving.com today for more information and to set up a page.

ONLINE FUNDRAISING

VM13059 (valid from 20.06.16)