Virgin Money Australia Reviews 

Duplicate fraud transactions not detected by them, no way to cancel or hold my card on website or app. Long wait times to report or cancel card. Terrible!!

I will never use this credit card again!!! The absolute worst! I joined because they had a promotion that they will give you 90 000 points when you spend a certain amount over the first 2 months. I spent it and didn’t receive all the points. More than 6 months later and I have been going back and forth with them about how to get all my points!! I want to use them for travel but I can’t. It’s a constant back and forth with them! Why do they lie!?

Virgin Money refunded my insurance to the wrong account, and now won't sort it out. Be very careful with using VM for insurance
They take your money and never pay you back they will say whatever they can to make sure you won’t get any back.

Misleading & Arbitrary Process – Avoid Virgin Money Super

UPDATE- Had to go through resolution team as everyone else led me to believe there was nothing that could be done. In the end the money was released- It took 2-3months of back and froths but it was released.

Virgin Money Super’s "Completing Proof of Identity" document is misleading and does not align with their own processing criteria. Despite following their stated requirements, including using a Notary Public, as permitted, they arbitrarily rejected my valid documents.

For two and a half months, there was no mention of any deadline in their communications. Yet, they used a so-called missed deadline as an excuse to wrongfully close my application. Their lack of transparency and inconsistent document handling have caused unnecessary delays and frustration.

👎 1/5 – Unreliable, misleading, and unprofessional. Avoid.

**LOOK ELSEWHERE!** Thieves and scammers abound here. I have not had access to my own money for two weeks. Whenever I log into the app to transfer my funds, it says, ‘Whoops! Something went wrong—please try again.’ I called customer service, only to be told they can only raise a ticket to IT. I still haven’t gotten my money Please, please do not bank with them or start making arrangements to withdraw your money NOW

Virgin Money Australia has a non-functional app. It shows that it is locked and logging in is impossible.
Since setting up the app I have not been able to log in. Useless.
And now, since yesterday (8 Feb 25) even their website is down. :(((((

Worst home loan/banking experience ever... Stay away

App stopped allowing me access to my own funds, so far been 3 days and zero communication from the bank, only communication is when i log in to the app and ask in the chat and get the same scripted response saying the issue has been escalated. an absolute disgrace of a bank and will be closing all accounts with them as soon as issue is resolved. Strongly advise others to avoid like the plague.

Update, now 5 days with zero communication and zero access to my own money !!!!

The Absolute Absolute Worst Credit Card !! Terms, Services and Customer Care !! All Horrible .. They are like a day time robbery in front of a police station !! That’s how they dare ripping you off right in front of your eyes !! And their new changed terms and conditions are appalling… NEVER AGAIN AND NEVER TRY GET ONE WITH THEM

Run don’t use this lender under any circumstances. They are the worst to deal with. I’m trying to finalise alone and I have been ringing every day for one week and I can’t get through to anybody from the start to finish. They have been an absolute nightmare to deal with I hope you have at least an hour each time you try and contact them to be on hold And speak to customer service while they call a customer service but they have none.

My daughter passed away last Friday with Lukemia Cancer, and I had a booster account which prevented me from using MY money. In saying so a banker Georgie very impolite gave me wrong info and I had to wait 4 days until I get hold to them still not able to retrieve my money to buy a coffin for her last farewell. In saying so I curse that whole nonsense team the same ahead.

Offshore to India. Customer Service don't listen, overtalk, misrepresent and lie to customers. Tried to resolve an ongoing issue, kept being told: "Trust me sir, this won't happen, you need to believe us"... then it happens, they can't process a payment and withhold my money. They state they do not have any way to escalate issues or any way of resolving issues. Be careful they are extremely shonky!!

Beware of Virgin Credit Cards
I did a zero % balance transfer, and set up automatic monthly payments to pay off.
I did not see that virgin changed the statement period from 21 days to 14 days, and then started to charge me late fees.
This change was in an email, but as this was a 0% balance transfer and automatic payment off, I did not see it for 2 months.
After complaining Virgin reversed these fees, but they still charged me retail interest on the fees they had charged me and then subsequently reversed.
I short, BEWARE Virgin Credit Cards, as they will change the terms and conditions to try and catch you out and charge you fees and interest.
It only cost me cents, but to me this is very dodgy business practices, and I could see many being badly caught out by this.
Account now closed, lesson learnt, do not use Virgin Credit Cards.

Virgin money have stolen my money. I overpaid a credit card bill by quite a bit and they are absolutely refusing to give it back. I am appalled.

Virgin money Income protection is Scam

Don’t get any of services, all is same

I have Income protection since 2019 and I pay them monthly 300$

And in 2024 when I fall from ladder and I can’t work, they not even answer my call or email for days

And their calculation is less than my income

Misleading product information, disgusting offshore service. Their "Interest free" products are a complete scam. Virgin Money provide product information and payment schedules without a date. Complained to them three times, twice writing - literally got the identical pro forma complaint letter back twice as a 'response'. AVOID THIS COMPANY. Where's Richard Branson now eh...

I will be going to AFCA with my complaint and making sure I copy ASIC on all the product documentation, service history and copies of the call recordings.

Ive have had a Virgin Money credit for almost 2 years. I use this card for travel expenses. has been a few times when payments where late. only issue I have is that customer support can sometimes take some time to help you.

International transaction fee? $170? Wow! No fine line when this card would charge you international transaction fee. The charged me for $145 annual fee - used this card for less than a month and happily cancelled it. Will never ever use Virgin Money again! Highly not recommended!!!!

Absolutely atrocious! Could give it a big zero if I could. Wasted my time for a few month, didn’t get my points nor the voucher that was promised due to the unprofessional service. I’m not one to write a review but I’d hate for anyone to go through the same experience. Pls do yourself a kind favour and look elsewhere :-)

I have home and car insurance, all cancelled without notifications. I called back and said that I need new quotes that was more expensive than previous quotes. I think that is the way they are doing to expel customers. I would rather get my insurance to accountable provider. This is disgusting. I will never never recommend to my friends anymore.