Virgin Money Current Account

kaMelo

Darn it, I've fallen foul of the (overzealous?) security..
Tried to make a payment from Virgin to another of my accounts, needed to verify this with the app which I duly did. Not good enough, I now need to phone them up. Again I duly did, passed all relevant questions and confirmed I really did want to make the payment which should be released in four hours. 
I know security is essential but this is rather onerous.
Log in online, confirm log in through the app. Make payment online, confirm again through the app. Phone up and pass more security, including a telephone pin, all for a few hundred pounds to a payee I've used before.  
No wonder their phone lines are busy if this his how they operate.

I'm happy to put up with things to collect a bit of interest but use as a main account? No chance.

tel_

schiff said:

coolcats said:

Can you have more than one of these accounts?

49 pages is a lot - yes you can.

I opened a second account today, even though I only opened my first at the beginning of the month, and it was easy to do.

So now I'm wondering, how many of these accounts could you have? 

Could there be any negatives to holding multiple Current Accounts with just one provider?

pafpcg

tel_ said:

schiff said:

coolcats said:

Can you have more than one of these accounts?

49 pages is a lot - yes you can.

I opened a second account today, even though I only opened my first at the beginning of the month, and it was easy to do.

So now I'm wondering, how many of these accounts could you have? 

Could there be any negatives to holding multiple Current Accounts with just one provider?

Now sit back and wait for the phone call from Clydesdale security department on Clydebank demanding to know why you've opened more than one sole account!

That's what happened a week after my partner opened a second VM current account (already had a sole VM account and a joint VM account to go with our existing sole and joint Clydesdale Direct accounts);  my phone call came a couple of weeks later.  We used the excuse that because the interest rate on our Clydesdale Direct accounts had just dropped from 1.5% to 0.85%, we were switching funds from the Direct accounts to VM current accounts - the explanations were grudgingly accepted.

There are other reasons I've found not to increase the number of accounts (and there'll be others not yet encountered):

 - when we access our online accounts to make a transfer, the screen design is appalling once the number of accounts goes above six.  We each have the two Clydesdale accounts, two sole VM current accounts and the VM joint current account PLUS the associated VM savings accounts for each of the VM accounts (there's no way to decline or close a savings account), so that's a total of eight accounts which the layout of the web-page just can't accommodate, forcing the opening of extra pages just to access an account at the bottom of the list.

- occasionally, one or two of the accounts will disappear from the list of accounts, but they always seem to reappear the next day.  That's something we never experienced when we just had the three Clydesdale accounts.

- then there's the weird behaviour of the account sorting facility for the account display sequence.  I'm told by others on the forum that the smartphone app does work but Firefox browser on my desktop worked for a few weeks and then stopped (but occasionally allows one account to be moved before stopping again).  It may be a symptom of the design being developed and tested purely for the Chrome browser.

These problems are tiresome and would be impossible to live with if one expected to use one of these accounts as a main "everyday" account, but we just use the accounts as part of our monthly cycle of inter-bank transfers between HSBC, Halifax Reward, ClubLloyds, etc, so we put up with the frustration.

ischris85

pafpcg said:

tel_ said:

schiff said:

coolcats said:

Can you have more than one of these accounts?

49 pages is a lot - yes you can.

I opened a second account today, even though I only opened my first at the beginning of the month, and it was easy to do.

So now I'm wondering, how many of these accounts could you have? 

Could there be any negatives to holding multiple Current Accounts with just one provider?

Now sit back and wait for the phone call from Clydesdale security department on Clydebank demanding to know why you've opened more than one sole account!

That's what happened a week after my partner opened a second VM current account (already had a sole VM account and a joint VM account to go with our existing sole and joint Clydesdale Direct accounts);  my phone call came a couple of weeks later.  We used the excuse that because the interest rate on our Clydesdale Direct accounts had just dropped from 1.5% to 0.85%, we were switching funds from the Direct accounts to VM current accounts - the explanations were grudgingly accepted.

There are other reasons I've found not to increase the number of accounts (and there'll be others not yet encountered):

 - when we access our online accounts to make a transfer, the screen design is appalling once the number of accounts goes above six.  We each have the two Clydesdale accounts, two sole VM current accounts and the VM joint current account PLUS the associated VM savings accounts for each of the VM accounts (there's no way to decline or close a savings account), so that's a total of eight accounts which the layout of the web-page just can't accommodate, forcing the opening of extra pages just to access an account at the bottom of the list.

- occasionally, one or two of the accounts will disappear from the list of accounts, but they always seem to reappear the next day.  That's something we never experienced when we just had the three Clydesdale accounts.

- then there's the weird behaviour of the account sorting facility for the account display sequence.  I'm told by others on the forum that the smartphone app does work but Firefox browser on my desktop worked for a few weeks and then stopped (but occasionally allows one account to be moved before stopping again).  It may be a symptom of the design being developed and tested purely for the Chrome browser.

These problems are tiresome and would be impossible to live with if one expected to use one of these accounts as a main "everyday" account, but we just use the accounts as part of our monthly cycle of inter-bank transfers between HSBC, Halifax Reward, ClubLloyds, etc, so we put up with the frustration.

Interesting, I opened a second account a few months after opening the first and didnt get a phone call. I have a feeling I would get a phone call if/when I open a third.

lucazkoh

Have 5 of these at the moment. 3 opened when it first included the 2% interest, 2 more opened last week. No phone call. 

colsten

pafpcg said:

 - when we access our online accounts to make a transfer, the screen design is appalling once the number of accounts goes above six.  We each have the two Clydesdale accounts, two sole VM current accounts and the VM joint current account PLUS the associated VM savings accounts for each of the VM accounts (there's no way to decline or close a savings account), so that's a total of eight accounts which the layout of the web-page just can't accommodate, forcing the opening of extra pages just to access an account at the bottom of the list.

Have you reordered your accounts? You can make your current accounts appear above/before the savings accounts. You can also rename accounts so they are easier to recognise.

notveryeducated

I just applied and got accepted because I wanted to earn a bit from interest.

I'm pretty impressed with the online and mobile banking. I might make it my main account. 

schiff

colsten said:

pafpcg said:

 - when we access our online accounts to make a transfer, the screen design is appalling once the number of accounts goes above six.  We each have the two Clydesdale accounts, two sole VM current accounts and the VM joint current account PLUS the associated VM savings accounts for each of the VM accounts (there's no way to decline or close a savings account), so that's a total of eight accounts which the layout of the web-page just can't accommodate, forcing the opening of extra pages just to access an account at the bottom of the list.

Have you reordered your accounts? You can make your current accounts appear above/before the savings accounts. You can also rename accounts so they are easier to recognise.

How? (I'm not a Red Indian btw)

RG2015

schiff said:

colsten said:

pafpcg said:

 - when we access our online accounts to make a transfer, the screen design is appalling once the number of accounts goes above six.  We each have the two Clydesdale accounts, two sole VM current accounts and the VM joint current account PLUS the associated VM savings accounts for each of the VM accounts (there's no way to decline or close a savings account), so that's a total of eight accounts which the layout of the web-page just can't accommodate, forcing the opening of extra pages just to access an account at the bottom of the list.

Have you reordered your accounts? You can make your current accounts appear above/before the savings accounts. You can also rename accounts so they are easier to recognise.

How? (I'm not a Red Indian btw)

Click More and then Preferences

pafpcg

colsten said:

pafpcg said:

 - when we access our online accounts to make a transfer, the screen design is appalling once the number of accounts goes above six.  We each have the two Clydesdale accounts, two sole VM current accounts and the VM joint current account PLUS the associated VM savings accounts for each of the VM accounts (there's no way to decline or close a savings account), so that's a total of eight accounts which the layout of the web-page just can't accommodate, forcing the opening of extra pages just to access an account at the bottom of the list.

Have you reordered your accounts? You can make your current accounts appear above/before the savings accounts. You can also rename accounts so they are easier to recognise.

You posted too quickly having not read the next-but-one paragraph! 

We've had this discussion months ago - I know that you can get the smartphone app to sort the accounts, but my Firefox desktop browser either refuses to respond to the up-down buttons or gives up after moving one account.

Yes, I have renamed the accounts but that doesn't mitigate the problems I've described - it just give me a reminder of the 'sensitivity' of the edit function where if I edit the name of the account so that the text string exceeds the length of the original name, it truncates the text from the point at which I'm editing text.  Easy to overcome, but just another example of the fagility of the Clydesdale web-pages.  [As I suggested in my original post, it's possible that my problems stem from using the Firefox browser rather than the Chrome browser assumed by the developers of the Clydesdale system (I posted a comment about this 18 months ago after a telephone conversation with one of their IT staff).  Unfortunately, in the locked-down environment that I use for my financial operations, the Chromium browser (Chrome's open-source version) is a persona non grata right now and I've no intention of loading Google's proprietory version of Chrome on a secure system).]

All my comments are subjective - what bothers me, may be irrelevant to others...