Virgin Money 12%

Jazzking

PRAISETHESUN said:

Thi800 said:

Is it direct debit must to be kept active after a switch? and direct debit must to be taken out from Virgin account 12 months? Please anyone let me know. Thanks 

There's nothing in the VM terms that says the DDs need to stay active after the switch, just that you need to include 2x DDs on the account you are switching. You can cancel/move them somewhere else manually after the switch completes.

I was also wondering this but spotted a comment on the VM ad on facebook that implies otherwise - unless "bonus is paid" actually means bonus is applied?

ele7z

Nasqueron said:

TheElectricCow said:

Nasqueron said:

Have to say this was a bit of a pain to do - application straightforward enough but Virgin still had me as a customer but I had no idea of the customer number. I had to dig around in the shredding pile as I remember they wrote to me about an old empty savings account which I spoke to them about closing and not sending me the paperwork - it was still open despite being told it was closed! Tip here - if you don't know your customer number you can actually verify and get it via SMS with your address etc if you don't know your account number - I only had the last 4 digits. Finally got my login and the app working again and applied - annoying you have to do the switch inside the app rather than doing it in the application process but anyway. Now to close the Co-Op saver in case it blocks the transfer. 

Did it via Snoop for the £30 Amazon vouchers - annoying too you have to give it access to a bank account during setup (just used a donor account which is empty) as you obviously don't have the Virgin account yet. Successfully linked so hopefully the switch will go ok and get the vouchers + take advantage of interest for a year.

Very similar situation here, luckily Virgin were quite happy to accept my email address in place of a customer number although my application is now awaiting a manual verification (I suspect this is related to an address formatting issue that I wasn’t able to alter as it was what they already had on record for me).

Also went via Snoop but it’s unclear at this stage whether that’s tracked correctly as I was having some connection issues this morning, will have to keep tabs on that one and see what happens when the everything is processed.

I did it in the app and had to keep restarting when I was getting blocked by Virgin as I wanted to ensure it was tracked but no idea if it will or not, I'll just close Snoop if they refuse it but have opened and done the switch so the £120 interest should be good enough

I switched my VM current out months ago and today realised the linked saver was kept open despite the terms saying it gets closed with switching out. Due to this when I try to open a current account again to take advantage of this offer it says they recognise my details and I should log in instead, how do you open an account if you have an existing customer number/switched out previously?

Nasqueron

ele7z said:

Nasqueron said:

TheElectricCow said:

Nasqueron said:

Have to say this was a bit of a pain to do - application straightforward enough but Virgin still had me as a customer but I had no idea of the customer number. I had to dig around in the shredding pile as I remember they wrote to me about an old empty savings account which I spoke to them about closing and not sending me the paperwork - it was still open despite being told it was closed! Tip here - if you don't know your customer number you can actually verify and get it via SMS with your address etc if you don't know your account number - I only had the last 4 digits. Finally got my login and the app working again and applied - annoying you have to do the switch inside the app rather than doing it in the application process but anyway. Now to close the Co-Op saver in case it blocks the transfer. 

Did it via Snoop for the £30 Amazon vouchers - annoying too you have to give it access to a bank account during setup (just used a donor account which is empty) as you obviously don't have the Virgin account yet. Successfully linked so hopefully the switch will go ok and get the vouchers + take advantage of interest for a year.

Very similar situation here, luckily Virgin were quite happy to accept my email address in place of a customer number although my application is now awaiting a manual verification (I suspect this is related to an address formatting issue that I wasn’t able to alter as it was what they already had on record for me).

Also went via Snoop but it’s unclear at this stage whether that’s tracked correctly as I was having some connection issues this morning, will have to keep tabs on that one and see what happens when the everything is processed.

I did it in the app and had to keep restarting when I was getting blocked by Virgin as I wanted to ensure it was tracked but no idea if it will or not, I'll just close Snoop if they refuse it but have opened and done the switch so the £120 interest should be good enough

I switched my VM current out months ago and today realised the linked saver was kept open despite the terms saying it gets closed with switching out. Due to this when I try to open a current account again to take advantage of this offer it says they recognise my details and I should log in instead, how do you open an account if you have an existing customer number/switched out previously?

Once I was able to get the customer number I could login to the VM site as I had the password still and I could see I only had the old M Saver which they hadn't closed - though their letter said they would close it anyway at some point, the point of the call for me was to just avoid getting a load of pointless papers through the post. I then restarted the process with Snoop, clicked the link to go to Virgin, followed the steps, opened the app, logged in and applied, then did the switch. I'm not 100% sure it'll track but we'll see, I did everything I could to do it by their terms 

ele7z

Nasqueron said:

ele7z said:

Nasqueron said:

TheElectricCow said:

Nasqueron said:

Have to say this was a bit of a pain to do - application straightforward enough but Virgin still had me as a customer but I had no idea of the customer number. I had to dig around in the shredding pile as I remember they wrote to me about an old empty savings account which I spoke to them about closing and not sending me the paperwork - it was still open despite being told it was closed! Tip here - if you don't know your customer number you can actually verify and get it via SMS with your address etc if you don't know your account number - I only had the last 4 digits. Finally got my login and the app working again and applied - annoying you have to do the switch inside the app rather than doing it in the application process but anyway. Now to close the Co-Op saver in case it blocks the transfer. 

Did it via Snoop for the £30 Amazon vouchers - annoying too you have to give it access to a bank account during setup (just used a donor account which is empty) as you obviously don't have the Virgin account yet. Successfully linked so hopefully the switch will go ok and get the vouchers + take advantage of interest for a year.

Very similar situation here, luckily Virgin were quite happy to accept my email address in place of a customer number although my application is now awaiting a manual verification (I suspect this is related to an address formatting issue that I wasn’t able to alter as it was what they already had on record for me).

Also went via Snoop but it’s unclear at this stage whether that’s tracked correctly as I was having some connection issues this morning, will have to keep tabs on that one and see what happens when the everything is processed.

I did it in the app and had to keep restarting when I was getting blocked by Virgin as I wanted to ensure it was tracked but no idea if it will or not, I'll just close Snoop if they refuse it but have opened and done the switch so the £120 interest should be good enough

I switched my VM current out months ago and today realised the linked saver was kept open despite the terms saying it gets closed with switching out. Due to this when I try to open a current account again to take advantage of this offer it says they recognise my details and I should log in instead, how do you open an account if you have an existing customer number/switched out previously?

Once I was able to get the customer number I could login to the VM site as I had the password still and I could see I only had the old M Saver which they hadn't closed - though their letter said they would close it anyway at some point, the point of the call for me was to just avoid getting a load of pointless papers through the post. I then restarted the process with Snoop, clicked the link to go to Virgin, followed the steps, opened the app, logged in and applied, then did the switch. I'm not 100% sure it'll track but we'll see, I did everything I could to do it by their terms 

Ah so to open another current I have to login to VM and go onto the Products section? And apply that way?

PRAISETHESUN

Nasqueron said:

ele7z said:

Nasqueron said:

TheElectricCow said:

Nasqueron said:

Have to say this was a bit of a pain to do - application straightforward enough but Virgin still had me as a customer but I had no idea of the customer number. I had to dig around in the shredding pile as I remember they wrote to me about an old empty savings account which I spoke to them about closing and not sending me the paperwork - it was still open despite being told it was closed! Tip here - if you don't know your customer number you can actually verify and get it via SMS with your address etc if you don't know your account number - I only had the last 4 digits. Finally got my login and the app working again and applied - annoying you have to do the switch inside the app rather than doing it in the application process but anyway. Now to close the Co-Op saver in case it blocks the transfer. 

Did it via Snoop for the £30 Amazon vouchers - annoying too you have to give it access to a bank account during setup (just used a donor account which is empty) as you obviously don't have the Virgin account yet. Successfully linked so hopefully the switch will go ok and get the vouchers + take advantage of interest for a year.

Very similar situation here, luckily Virgin were quite happy to accept my email address in place of a customer number although my application is now awaiting a manual verification (I suspect this is related to an address formatting issue that I wasn’t able to alter as it was what they already had on record for me).

Also went via Snoop but it’s unclear at this stage whether that’s tracked correctly as I was having some connection issues this morning, will have to keep tabs on that one and see what happens when the everything is processed.

I did it in the app and had to keep restarting when I was getting blocked by Virgin as I wanted to ensure it was tracked but no idea if it will or not, I'll just close Snoop if they refuse it but have opened and done the switch so the £120 interest should be good enough

I switched my VM current out months ago and today realised the linked saver was kept open despite the terms saying it gets closed with switching out. Due to this when I try to open a current account again to take advantage of this offer it says they recognise my details and I should log in instead, how do you open an account if you have an existing customer number/switched out previously?

Once I was able to get the customer number I could login to the VM site as I had the password still and I could see I only had the old M Saver which they hadn't closed - though their letter said they would close it anyway at some point, the point of the call for me was to just avoid getting a load of pointless papers through the post. I then restarted the process with Snoop, clicked the link to go to Virgin, followed the steps, opened the app, logged in and applied, then did the switch. I'm not 100% sure it'll track but we'll see, I did everything I could to do it by their terms 

For what it's worth, you can close the linked savings account yourself online with minimal fuss. I switched away from VM last year and was assuming like you that the savings account would be closed. After lodging a complaint, the customer service rep told me that there's an option in your online banking profile settings somewhere that takes you to an account closure form. Although it has "close your current account" all over the page, I put the details for my linked savings account into the form and it was closed a few days later.

ele7z

PRAISETHESUN said:

Nasqueron said:

ele7z said:

Nasqueron said:

TheElectricCow said:

Nasqueron said:

Have to say this was a bit of a pain to do - application straightforward enough but Virgin still had me as a customer but I had no idea of the customer number. I had to dig around in the shredding pile as I remember they wrote to me about an old empty savings account which I spoke to them about closing and not sending me the paperwork - it was still open despite being told it was closed! Tip here - if you don't know your customer number you can actually verify and get it via SMS with your address etc if you don't know your account number - I only had the last 4 digits. Finally got my login and the app working again and applied - annoying you have to do the switch inside the app rather than doing it in the application process but anyway. Now to close the Co-Op saver in case it blocks the transfer. 

Did it via Snoop for the £30 Amazon vouchers - annoying too you have to give it access to a bank account during setup (just used a donor account which is empty) as you obviously don't have the Virgin account yet. Successfully linked so hopefully the switch will go ok and get the vouchers + take advantage of interest for a year.

Very similar situation here, luckily Virgin were quite happy to accept my email address in place of a customer number although my application is now awaiting a manual verification (I suspect this is related to an address formatting issue that I wasn’t able to alter as it was what they already had on record for me).

Also went via Snoop but it’s unclear at this stage whether that’s tracked correctly as I was having some connection issues this morning, will have to keep tabs on that one and see what happens when the everything is processed.

I did it in the app and had to keep restarting when I was getting blocked by Virgin as I wanted to ensure it was tracked but no idea if it will or not, I'll just close Snoop if they refuse it but have opened and done the switch so the £120 interest should be good enough

I switched my VM current out months ago and today realised the linked saver was kept open despite the terms saying it gets closed with switching out. Due to this when I try to open a current account again to take advantage of this offer it says they recognise my details and I should log in instead, how do you open an account if you have an existing customer number/switched out previously?

Once I was able to get the customer number I could login to the VM site as I had the password still and I could see I only had the old M Saver which they hadn't closed - though their letter said they would close it anyway at some point, the point of the call for me was to just avoid getting a load of pointless papers through the post. I then restarted the process with Snoop, clicked the link to go to Virgin, followed the steps, opened the app, logged in and applied, then did the switch. I'm not 100% sure it'll track but we'll see, I did everything I could to do it by their terms 

For what it's worth, you can close the linked savings account yourself online with minimal fuss. I switched away from VM last year and was assuming like you that the savings account would be closed. After lodging a complaint, the customer service rep told me that there's an option in your online banking profile settings somewhere that takes you to an account closure form. Although it has "close your current account" all over the page, I put the details for my linked savings account into the form and it was closed a few days later.

I have also done this and the savings account has been closed 24hr later, to reapply for another current account do I have to apply after logging in presumably?

PRAISETHESUN

ele7z said:

PRAISETHESUN said:

Nasqueron said:

ele7z said:

Nasqueron said:

TheElectricCow said:

Nasqueron said:

Have to say this was a bit of a pain to do - application straightforward enough but Virgin still had me as a customer but I had no idea of the customer number. I had to dig around in the shredding pile as I remember they wrote to me about an old empty savings account which I spoke to them about closing and not sending me the paperwork - it was still open despite being told it was closed! Tip here - if you don't know your customer number you can actually verify and get it via SMS with your address etc if you don't know your account number - I only had the last 4 digits. Finally got my login and the app working again and applied - annoying you have to do the switch inside the app rather than doing it in the application process but anyway. Now to close the Co-Op saver in case it blocks the transfer. 

Did it via Snoop for the £30 Amazon vouchers - annoying too you have to give it access to a bank account during setup (just used a donor account which is empty) as you obviously don't have the Virgin account yet. Successfully linked so hopefully the switch will go ok and get the vouchers + take advantage of interest for a year.

Very similar situation here, luckily Virgin were quite happy to accept my email address in place of a customer number although my application is now awaiting a manual verification (I suspect this is related to an address formatting issue that I wasn’t able to alter as it was what they already had on record for me).

Also went via Snoop but it’s unclear at this stage whether that’s tracked correctly as I was having some connection issues this morning, will have to keep tabs on that one and see what happens when the everything is processed.

I did it in the app and had to keep restarting when I was getting blocked by Virgin as I wanted to ensure it was tracked but no idea if it will or not, I'll just close Snoop if they refuse it but have opened and done the switch so the £120 interest should be good enough

I switched my VM current out months ago and today realised the linked saver was kept open despite the terms saying it gets closed with switching out. Due to this when I try to open a current account again to take advantage of this offer it says they recognise my details and I should log in instead, how do you open an account if you have an existing customer number/switched out previously?

Once I was able to get the customer number I could login to the VM site as I had the password still and I could see I only had the old M Saver which they hadn't closed - though their letter said they would close it anyway at some point, the point of the call for me was to just avoid getting a load of pointless papers through the post. I then restarted the process with Snoop, clicked the link to go to Virgin, followed the steps, opened the app, logged in and applied, then did the switch. I'm not 100% sure it'll track but we'll see, I did everything I could to do it by their terms 

For what it's worth, you can close the linked savings account yourself online with minimal fuss. I switched away from VM last year and was assuming like you that the savings account would be closed. After lodging a complaint, the customer service rep told me that there's an option in your online banking profile settings somewhere that takes you to an account closure form. Although it has "close your current account" all over the page, I put the details for my linked savings account into the form and it was closed a few days later.

I have also done this and the savings account has been closed 24hr later, to reapply for another current account do I have to apply after logging in presumably?

My old profile still exists, albeit without any accounts on it. I logged in and applied for a new account for this offer and it ended up creating a second online banking profile for me, so I don't think it matters in this instance.

ele7z

PRAISETHESUN said:

ele7z said:

PRAISETHESUN said:

Nasqueron said:

ele7z said:

Nasqueron said:

TheElectricCow said:

Nasqueron said:

Have to say this was a bit of a pain to do - application straightforward enough but Virgin still had me as a customer but I had no idea of the customer number. I had to dig around in the shredding pile as I remember they wrote to me about an old empty savings account which I spoke to them about closing and not sending me the paperwork - it was still open despite being told it was closed! Tip here - if you don't know your customer number you can actually verify and get it via SMS with your address etc if you don't know your account number - I only had the last 4 digits. Finally got my login and the app working again and applied - annoying you have to do the switch inside the app rather than doing it in the application process but anyway. Now to close the Co-Op saver in case it blocks the transfer. 

Did it via Snoop for the £30 Amazon vouchers - annoying too you have to give it access to a bank account during setup (just used a donor account which is empty) as you obviously don't have the Virgin account yet. Successfully linked so hopefully the switch will go ok and get the vouchers + take advantage of interest for a year.

Very similar situation here, luckily Virgin were quite happy to accept my email address in place of a customer number although my application is now awaiting a manual verification (I suspect this is related to an address formatting issue that I wasn’t able to alter as it was what they already had on record for me).

Also went via Snoop but it’s unclear at this stage whether that’s tracked correctly as I was having some connection issues this morning, will have to keep tabs on that one and see what happens when the everything is processed.

I did it in the app and had to keep restarting when I was getting blocked by Virgin as I wanted to ensure it was tracked but no idea if it will or not, I'll just close Snoop if they refuse it but have opened and done the switch so the £120 interest should be good enough

I switched my VM current out months ago and today realised the linked saver was kept open despite the terms saying it gets closed with switching out. Due to this when I try to open a current account again to take advantage of this offer it says they recognise my details and I should log in instead, how do you open an account if you have an existing customer number/switched out previously?

Once I was able to get the customer number I could login to the VM site as I had the password still and I could see I only had the old M Saver which they hadn't closed - though their letter said they would close it anyway at some point, the point of the call for me was to just avoid getting a load of pointless papers through the post. I then restarted the process with Snoop, clicked the link to go to Virgin, followed the steps, opened the app, logged in and applied, then did the switch. I'm not 100% sure it'll track but we'll see, I did everything I could to do it by their terms 

For what it's worth, you can close the linked savings account yourself online with minimal fuss. I switched away from VM last year and was assuming like you that the savings account would be closed. After lodging a complaint, the customer service rep told me that there's an option in your online banking profile settings somewhere that takes you to an account closure form. Although it has "close your current account" all over the page, I put the details for my linked savings account into the form and it was closed a few days later.

I have also done this and the savings account has been closed 24hr later, to reapply for another current account do I have to apply after logging in presumably?

My old profile still exists, albeit without any accounts on it. I logged in and applied for a new account for this offer and it ended up creating a second online banking profile for me, so I don't think it matters in this instance.

My only issue with that is the offer is supposed to be for new customers only. If you are applying after signing in surely you'd count as an existing customer but we'll have to see when the interest gets paid!

PRAISETHESUN

The terms only care about if you hold an existing VM current account, not that you are an existing customer or not - you could hold savings or other products, but no current account and be eligible:

Who’s this offer for? 

It’s for new M Account, M Plus Account, and Club M Account customers, who:

• Are 16+ (if you're under 18, you need to open your account in Store).
• Live in the UK.
• Don’t already have an M, M Plus or Club M current account. If you’ve closed one since 30 April 2024, this offer’s not for you.

ele7z

I see. Thanks very much