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Virgin Money Go Account

Virgin Money Go Account

Earn Virgin Money Points on every purchase1
8 Points
Monthly and account keeping fees29
$0

TRANSACTION ACCOUNT

More action with every transaction! Be rewarded for spending and budgeting your way with our new transaction account. Be rewarded each time you spend with 8 points on every purchase, direct debit and BPAY payment.

Virgin Money Boost Saver

Virgin Money Boost Saver

Switch on the Lock Saver Feature to unlock up to34
5.35% p.a.
Personalised savings goals, with up to
9 accounts

BUNDLED SAVINGS ACCOUNT

Perfectly paired with the Virgin Money Go Account, this high-interest savings account will help you smash your savings goals. Boost your interest rate up to a combined total balance of $250,000 when you meet the Monthly Criteria, notice period and T&Cs apply.

The 5.35% p.a. is made up of the Base Rate of 0.05% p.a + Bonus Rate of 5.00% p.a. + Notice Rate of 0.30% p.a, when the Lock Saver Feature is enabled and the Monthly Criteria are met.34

Virgin Money Grow Saver

Virgin Money Grow Saver

Switch on the Lock Saver Feature to unlock up to35
2.30% p.a.
Personalised savings goals, with up to
9 accounts

SAVINGS ACCOUNT

Grow your savings your way. This savings account packs a high-interest punch without the need for an everyday account. And there’s no balance limit on a Virgin Money Grow Saver. Monthly Criteria, notice period and T&C’s apply.

The 2.30% p.a. is made up of the Base Rate of 0.05% p.a + Bonus Rate of 1.95% p.a. + Notice Rate of 0.30% p.a, when the Lock Saver Feature is enabled, and the monthly criteria are met.35


Get rewarded today with 5,000 Bonus Virgin Money Points5

Get rewarded every day when you take out a new Virgin Money Go Account and bundled Boost Saver. Plus, we’ll give you 5,000 Bonus Virgin Money Points when you make at least one debit card purchase, direct debit or BPAY payment in your first 30 days (purchases must be settled, not pending).5 That’s enough for a $20 gift voucher with loads of partners.24

Offer ends 31/07/24. New customers only. 

Get Go'ing today


Start banking like never before

Rewards like never before

Drum roll…Introducing Virgin Money Rewards

It’s new and it’s all you. Virgin Money Rewards3 is all about rewarding you, your way. Available on  our transaction and savings accounts, it bundles Virgin Money Points, epic perks and great experiences.

Whether you’re spending big, saving hard, or simply building better money habits, we’re all for recognising and rewarding you every day, not just someday.

Rewards your way

Be rewarded when you spend – and when you don't!3

Rewards every day not just someday

We love the little things, just as much as the big things. So don't be surprised if we reward you with points, perks or great experiences for things like reaching a milestone, or just to say thanks3.

Boost your rewards

Earn bonus Virgin Money Points by accessing loads of red hot partner offers12 and by booking your next hotel stays at great prices inside the app21.

Use your points your way

Transfer them for cash14 back into your account, use them to pay for purchases15 you’ve already made, even redeem them for a gift card from your favourite brand16 – it’s up to you. Now that’s rewarding.

Get money fit

Getting money fit shouldn’t make you sweat. We’ll be your virtual cheer squad, helping you build better money habits and have some fun along the way (no push-ups required).

Easily track and categorise your spending

Set spend budgets

Know when your bills are coming up

Save like a pro with Round Ups6

Get clever insights and real-time alerts to help build good money habits faster

Set up to 9 personal savings goals

Lock away your long-terms savings and earn additional interest

Amazingly simple banking

Designed for mobile, made for you.

Our intuitive app puts your money in your hands.

Set up your digital wallet, link Apple Pay7, Google Pay9 & Samsung Pay8 and start spending straight away

Pay your mates and transfer money instantly with Pay ID and Osko

Log in securely with fingerprint or face ID – just tap or smile

We’re always close by with in-app customer service chat

Interest rates and monthly criteria

Virgin Money Go Transaction Account
Description Points
Virgin Money Points for every purchase, direct debit and BPAY payment. 8 Points

Important Information on Virgin Money Points for Go Accounts:

  • Virgin Money Points for Joint Accounts will be split and evenly allocated to both joint account holders of that account.

The Monthly Criteria vary by age and includes a minimum deposit and minimum number of transactions each month that must be made into a Virgin Money Go Account that is issued in the same name. Simply meet the following criteria each month to activate your bonus interest benefit for the following month.

Age group Monthly Criteria
14 – 17 years There are no Monthly Criteria requirements. You’re good to go.
Over 18  years
Deposit $1,000 or more from another financial institution (such as your salary) into your Virgin Money Go Account and make at least 5 purchases, direct debits or BPAY payments which settle in that month (not pending). 

For more information on our limits, fees and charges please head to our rates and fees page.

 

Ready to get started? Join in just minutes with six easy steps

Open an account

Want to explore more about the Virgin Money Go Transaction Account?

Find out more

Virgin Money Boost Saver
Rate type Interest Rate (p.a.)

Highest Variable Interest Rate of
5.35% p.a.

This is made up of the variable Base rate of 0.05%p.a., Bonus rate of 5.00%p.a. and the Notice Interest Rate of 0.30%p.a. 

Base Interest Rate

0.05%

Bonus Interest Rate and Monthly Criteria

Additional variable interest rate earned on all your Boost Savers, up to a combined total balance of $250,000, in the same name as your Go Account when you meet the Monthly Criteria:

  • Deposit at least $1,000 into your Go Account from another financial institution.
  • Make at least 5 purchases on your Go Account that settled in that month (not pending).

When the Monthly Criteria is met, the Bonus Interest rate will apply in the following calendar month. There are no Monthly Criteria requirements if you are under 18. Refer to our Monthly Criteria in the Rates and Fees section for more information.

5.00%

Notice Interest Rate

Additional variable interest rate earned on a Boost Saver where the optional Lock Saver Feature is enabled.

  • Provide 32 days’ advance notice to unlock your account or withdraw your money.

This feature may be suitable for savings you don’t need to immediately access to. For more information, go to our Lock Saver Feature website page.

0.30%

(optional)

Important Information on Bonus Interest for Boost Savers:

  • Bonus Interest Rate can be activated on all your Boost Savers in the same name as your Go Account when you cumulatively meet the Monthly Criteria in the Monthly Criteria dropdown. For clarity, if you hold an account(s) in your name as an individual, and an account(s) in two names (joint account), you will be required to meet the Monthly Criteria on each account type (individual and joint) to activate the benefits for both.
  • The Bonus Interest rate applies up to a combined total balance of $250,000 across all Boost Savers in the same name.
  • Once the Lock Saver Feature is enabled you will earn the additional variable Notice Interest rate while the Lock Saver Feature is enabled, up until the date that you activate the Unlock Saver Feature. The additional variable Notice Interest rate does not apply during the 32 day notice period which commences once you activate the Unlock Saver Feature.

The Monthly Criteria vary by age and includes a minimum deposit and minimum number of transactions each month that must be made into a Virgin Money Go Account that is issued in the same name. Simply meet the following criteria each month to activate your bonus interest benefit for the following month.

Age group Monthly Criteria
14 – 17 years There are no Monthly Criteria requirements. You’re good to go.
Over 18  years
Deposit $1,000 or more from another financial institution (such as your salary) into your Virgin Money Go Account and make at least 5 purchases, direct debits or BPAY payments which settle in that month (not pending). 

For more information on our limits, fees and charges please head to our rates and fees page.

 

Ready to get started? Join in just minutes with six easy steps

Open an account

Want to explore more about the Virgin Money Boost Saver?

Find out more

Virgin Money Grow Saver
Rate type Interest Rate (p.a.)

Highest Variable Interest Rate of
2.30% p.a.

This is made up of the variable Base rate of 0.05%p.a., Bonus rate of 1.95%p.a. and the Notice Interest Rate of 0.30%p.a. 

Base Interest Rate

0.05%

Bonus Interest Rate

Additional variable interest rate earned on your Grow Saver when you meet the Monthly Criteria of at least 1 deposit and no more than 1 withdrawal in that month.

1.95%

Notice Interest Rate

Additional variable interest rate earned on a Grow Saver where the optional Lock Saver Feature is enabled.

  • Provide 32 days’ advance notice to unlock your account or withdraw your money.

This feature may be suitable for savings you don’t need to immediately access. For more information, go to our Lock Saver Feature website page.

0.30%

(optional)

For more information on our limits, fees and charges please head to our rates and fees page.

 

Ready to get started? Join in just minutes with six easy steps

Open an account

Want to explore more about the Virgin Money Grow Saver?

Find out more

Do you have questions about a Bank & Save account?

Bank & Save FAQs

 



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