What are the payment limits through the Mobile app?
There are limits to the amount you can pay using the Virgin Money Mobile Banking app or online banking. Some payments will need additional authentication using a registered mobile device for the banking app. Find out more about Strong Customer Authentication Link opens in a new window.
Without authentication, you can usually make payments up to £500 each, or £1000 per day.
With authentication, these limits usually increase to £30,000. These limits don’t apply to transfers between your own accounts, and don't include Direct Debits, standing orders and bill payments made to our approved list of organisations.
How do I make a payment to a person or organisation in the app?
Using your Virgin Money Mobile Banking app
- Open your Virgin Money Mobile Banking app and login
- Tap the Payments tab then Make a Payment
- Tap the account
Follow the instructions to make a one-off or regular payment to an existing payee, or to 'Add new payee'. You can select 'Pay a Person' to send money to using their name, sort code and account number. Always be fraud aware and only send money to someone you trust. Find out more about keeping safe online.
View the guideon paying someone new Link opens in a new window
(Opens in a new tab/window)
To pay an organisation, select 'Pay a business' and search our approved list using their name or account details. This works for organisations like utilities, local councils, credit cards and phone networks. You can save the company in your payee list for another time. When you set up the organisations you pay like this, there’s no daily limit for payments.
View the guideon paying a company Link opens in a new window
(Opens in a new tab/window)
Using online banking
- Go to online banking and sign in
- Select Move money
- Select the account
Follow the instructions to make a one-off or regular payment to an existing payee, or to Add new payee. You can select Person to send money to someone using their name, sort code and account number. Always be fraud aware and only send money to someone you trust. Find out more about keeping safe online.
View the guideon keeping safe online Link opens in a new window
(Opens in a new tab/window)
To pay an organisation, select Company and search our approved list using their name or account details. This works for organisations like utilities, local councils, credit cards and phone networks. You can save the company in your payee list for another time. When you set up the organisations you pay like this, there’s no daily limit for payments.
What is Confirmation of Payee?
Confirmation of Payee is an account name checking service to help you make sure payments are sent to the right account. This reduces the chances of you making a mistake and helps to protect you from fraud. This service is in place with other banks too.
When you set up or edit a payee, we’ll run a check on the name on the account you are paying. This helps to stop payments going to the wrong account by making sure the name on the account matches.
These checks are also designed to alert you to possible scams where a fraudster may pretend to be someone they’re not. Where the name on the account doesn’t match what you would expect, this may be a sign you’re being scammed.
Also, if someone tries to pay you, they’ll be able to check the details they have for you match up (if their bank offers the service).
For more information, please visit our Confirmation of Payee page.
Why are you checking the account details of who I’m paying?
We’re doing this as part of the Confirmation of Payee service, to help you make sure payments are sent to the right account. This reduces the chances of you making a mistake and helps to protect you from fraud.
When you set up or edit a payee, we’ll check the name on the account matches. If it doesn’t match, we’ll let you know what action you can take.
For more information, please visit our Confirmation of Payee page.
How do I create a standing order?
This can be done on the Virgin Money Mobile Banking app or internet banking.
Using your Virgin Money Mobile Banking app
- Open your Virgin Money Mobile Banking app and login
- Tap the Payments tab then Make a Payment
- Tap the account you wish to make the standing order from
- Tap the payee or account you wish to make the payment to. Either select an existing payee, account or you can add a new payee
- Follow the on-screen instructions, and when asked tap Repeat this payment
Standing orders must be set up before 4pm the day before the 1st payment.
The standing order will appear in your list of repeating payments the next business day.
Using online banking
- Go to online banking and sign in
- Select Move Money
- Select the account you wish to make the standing order from
- Select the payee or account you wish to make the payment to. Either select an existing payee, account or you can add a new payee
- Follow the on-screen instructions, and when asked choose 'Repeating payment'
Standing orders must be set up before 4pm the day before the 1st payment.
The standing order will appear in your list of repeating payments the next business day.
How do I change or cancel a Direct Debit or standing order?
This can be done on the Virgin Money Mobile Banking app or on online banking.
Using your Virgin Money Mobile Banking app
- Open your Virgin Money Mobile Banking app and login
- Tap Payments then Scheduled at the top of the screen
- Tap Direct Debits or Standing Orders and follow the on-screen instructions
View the guideon managing standing orders and Direct Debits Link opens in a new window
(Opens in a new tab/window)
Using online banking
- Go to online banking and sign in
- Click view scheduled payments
- Select the payment you wish to cancel or amend and follow the on-screen instructions
There are some Direct Debits or standing orders that cannot be cancelled in app or online.
Why am I being asked to give a reason for my payment?
We’re always looking out for you and your money. We’ve got information on a wide range of different scams, so letting us know a reason for your payment helps us narrow down the information you need to protect yourself, if we think there could be a risk.
I have received a warning message when I’m making a payment, what should I do?
It’s good to get into the habit of double checking your payments. If you receive a warning before making a payment, be extra careful to stop and make sure you’re happy it’s not a scam.
Do I need to authenticate a payee even if I choose not to send a payment immediately?
No, authentication will only be requested when you tap Make a payment after entering the amount and the payment reason. This is the point at when the verification takes place.
Do I need to authenticate a payment everytime?
No, the result of the assessment will indicate if authentication is required. Therefore you may not be asked to authenticate. If you do need to authenticate as long as you save a payee to your list you will not need to authenticate again unless a change is made to the payee details (name, sort code, account number, reference).
How much can I pay without authenticating a payment?
There is no set limit, the limit is dynamic and is based upon our internal fraud/risk rules. However once you save a payee to your list and authenticate you will not need to authenticate again unless a change is made to the payee's details (name, sort code, account number, reference).
I need to transfer money between my accounts
You can transfer money between accounts using the Virgin Money Mobile Banking app or online banking.
Using your Virgin Money Mobile Banking app
- Open your Virgin Money Mobile Banking app and login
- Tap the 'Payments' tab then 'Make a Payment'
- Tap the account you wish to transfer the money from
- Scroll down to tap the account you wish to transfer money to and follow the on-screen instructions.
Using online banking
- Go to online banking and sign in
- Select 'Move Money'
- Select 'From account' and 'To account' and follow the on-screen instructions
I'm locked out of my Virgin Money Mobile Banking app as I entered my password incorrectly
A temporary lock has been placed on your account and will be removed in time. If you need to make the payment quickly we can remove the temporary lock to help you make the payment online or assist you via telephone banking.
