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Reply-To: "Virgin Money" <no-reply@creditcard.virginmoney.com>
From: "Virgin Money" <email@creditcard.virginmoney.com>
To: <bob@sarahharvey.com>
Subject: Bringing Nationwide and Virgin Money together
Date: Fri, 21 Nov 2025 14:59:21 -0000
Message-ID: <NM6623D55D006587C07virginm_mkt_prod3-Ym91bmNlQGNyZWRpdGNhcmQudmlyZ2lubW9uZXkuY29t@creditcard.virginmoney.com>
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What it means for you
So you know our emails are genuine, whenever we include links to our website
in emails we will also quote the last four digits of your card number: 2523
<http://t.emails.virginmoney.com/r/?id=h623d55d0,6587c07,2119d5a&p1=106462215>
What bringing Nationwide and Virgin Money together means for you
<https://res.emails.virginmoney.com/res/virginm_mkt_prod3/pattern_hero_red_light.png>
Your reference: VM44914
Hello,
In October 2024, Virgin Money and Nationwide became part of the same group.
We’re now working towards Virgin Money’s business becoming part of
Nationwide on 2 April 2026, if the Court approves the transfer.
Please read this email carefully, together with ‘Your questions answered’ at
<http://t.emails.virginmoney.com/r/?id=h623d55d0,6587c07,2119d5b&p1=106462215>
virginmoney.com/nationwide-transfer
<https://images.emlcdn.net/cdn/1001923/2e187eab-12a3-4cda-8321-3519a4c4bf15/IMG9919660x371.jpg>
<https://images.emlcdn.net/cdn/1001923/2e187eab-12a3-4cda-8321-3519a4c4bf15/MF2243660x660Cropped.jpg>
At a glance
The High Court is due to sit on 23 February 2026 to decide if the transfer
of Virgin Money's business to Nationwide can go ahead.
If approved, the transfer is expected to happen on 2 April 2026.
The transfer won’t change your day-to-day banking and you can continue to
manage your Virgin Money account(s) in the same way as you do today.
Please read the information we have sent you, including how you can object
if you have any concerns. You can also visit
<http://t.emails.virginmoney.com/r/?id=h623d55d0,6587c07,2119d5c&p1=106462215>
virginmoney.com/nationwide-transfer
Managing your Virgin Atlantic Credit Card(s) after the transfer
As a result of the transfer, there won’t be any change to your day-to-day
banking:
* There are no changes to your 16-digit credit card numbers, your PIN or any
account features including any promotional rate(s) on your account.
* You don’t need to make any changes to the way you make your payments,
including any Direct Debit(s).
* Your Virgin Atlantic Credit Card(s) will still be branded Virgin Atlantic
and our contact details will stay the same.
* You can carry on using the same sign-in details when you log into the
Virgin Money Credit Card app.
* Our web addresses will also stay the same.
You know us as Virgin Money – that’s our trading name. Our legal name is
Clydesdale Bank PLC. When we refer to Nationwide, we mean Nationwide
Building Society.
One change you’ll start to see is the Nationwide Building Society name
(instead of Clydesdale Bank PLC) at the bottom of emails and statements.
Changes to your Virgin Atlantic Credit Card(s) Terms
Your Virgin Atlantic Credit Card(s) will move to be part of Nationwide and,
following the transfer, your Terms will be updated to reflect Nationwide
being your account provider. There won’t be any other changes to your Terms
as part of this transfer.
The transfer won’t change the way you use your account(s), but as we bring
the two businesses together after the transfer, we may make some changes. If
a change impacts you, we’ll give you plenty of notice and explain what it
means to you.
The data controller will change after the transfer
Nationwide will become the data controller of any personal data which Virgin
Money uses or holds. For more information about your personal data,
including what happens with your marketing permissions, please see Q29 and
Q30 in the ‘General’ section of ‘Your questions answered’ at
<http://t.emails.virginmoney.com/r/?id=h623d55d0,6587c07,2119d5d&p1=106462215>
virginmoney.com/nationwide-transfer
Becoming a member of Nationwide
Nationwide is a building society, which means it’s a mutual – owned by its
members and run for their benefit. A member is a Nationwide customer with a
mortgage, current account, or savings account.
Becoming a member depends on the kind of Virgin Money account(s) you have
when the transfer happens, together with your personal circumstances and
status. Only having a credit card with us does not make you a member.
Members get certain benefits and are also part of Nationwide’s charitable
assignment scheme. You can find out more in Q25 in the ‘General’ section of
’Your questions answered’ at
<http://t.emails.virginmoney.com/r/?id=h623d55d0,6587c07,2119d5e&p1=106462215>
virginmoney.com/nationwide-transfer
Next steps
A Court hearing needs to take place to decide whether to approve the
transfer. This Court hearing is due to take place in the High Court in
London on 23 February 2026, though this date may change. If it does, we’ll
update our website at
<http://t.emails.virginmoney.com/r/?id=h623d55d0,6587c07,2119d5f&p1=106462215>
virginmoney.com/nationwide-transfer
If the Court approves the transfer, your Virgin Atlantic Credit Card(s) will
transfer to Nationwide by a Court Order under Part VII of the Financial
Services and Markets Act 2000 on 2 April 2026. This date may change too. If
it does, we’ll update our website.
The transfer will happen automatically. We’ve worked closely with our
regulators to make sure the transfer is made carefully and smoothly.
Objecting to the transfer
If you’d like to object directly to us, please get in touch by 9 February
2026, and we’ll send a copy of your objection to the Court before the
hearing on 23 February 2026.
You can call our dedicated team on 0800 066 5008* (or 00 44 141 880 2050**
if you’re calling from outside the UK). We’re here from 8am to 6pm, Monday
to Friday and 9am to 3pm on Saturdays.
You can also speak to us in branch. To find your nearest one, head to
<http://t.emails.virginmoney.com/r/?id=h623d55d0,6587c07,2119d63&p1=106462215>
virginmoney.com/branch-finder
If you prefer, you can also email us at
<mailto:nationwide-transfer@virginmoney.com?utm_campaign=VM44036v1_Part_VII_Product_Only_Master_-_Cards&utm_content=106462215&utm_medium=email&utm_source=customer_marketing>
nationwide-transfer@virginmoney.com or write to us at:
Nationwide Transfer
The team at Virgin Money
Sunderland
SR43 4JB
We will reply to all objections we receive and submit copies of these
objections to the Court, as well as to the Prudential Regulation Authority
and the Financial Conduct Authority.
If you want to object directly to the Court, you’ll need to do this in
person by going to the hearing or sending a legal representative to speak
for you. This is because the Court does not accept objections in writing.
You won’t be able to object after the Court hearing on 23 February 2026.
For more details on how you can object, take a look at Q7 in the ‘General’
section of ‘Your questions answered’ at
<http://t.emails.virginmoney.com/r/?id=h623d55d0,6587c07,2119d60&p1=106462215>
virginmoney.com/nationwide-transfer
Staying safe and avoiding fraud
Fraudsters often take advantage of times of change to try and persuade
people to transfer money or share personal or financial information. Your
16-digit credit card number and PIN aren’t changing. Virgin Money or
Nationwide will never ask you to move your money to another account or to
change any Direct Debits or standing orders.
Please be extra vigilant if you’re contacted by phone, email or text from
someone claiming to be from Virgin Money or Nationwide, asking you to take
action. If you’re suspicious, stop all contact and call us using the number
on the back of your card or visit
<http://t.emails.virginmoney.com/r/?id=h623d55d0,6587c07,2119d61&p1=106462215>
virginmoney.com/report-fraud
Help is at hand
If you have any questions about the transfer, you can call our dedicated
team on 0800 066 5008* (or 00 44 141 880 2050** if you’re calling from
outside the UK). We’re here from 8am to 6pm, Monday to Friday and 9am to 3pm
on Saturdays.
If you prefer, you can also email us at
<mailto:nationwide-transfer@virginmoney.com?utm_campaign=VM44036v1_Part_VII_Product_Only_Master_-_Cards&utm_content=106462215&utm_medium=email&utm_source=customer_marketing>
nationwide-transfer@virginmoney.com
You can also find important information, including a summary of the terms of
the transfer and a copy of the formal notice of the transfer, at
<http://t.emails.virginmoney.com/r/?id=h623d55d0,6587c07,2119d62&p1=106462215>
virginmoney.com/nationwide-transfer
You can also speak to us in branch. To find your nearest one, head to
<http://t.emails.virginmoney.com/r/?id=h623d55d0,6587c07,2119d64&p1=106462215>
virginmoney.com/branch-finder
Chris Rhodes
Chief Executive Officer, Virgin Money
<https://res.emails.virginmoney.com/res/virginm_mkt_prod3/social_slogan_white_v2.png>
<http://t.emails.virginmoney.com/r/?id=h623d55d0,6587c07,2119d65>
<http://t.emails.virginmoney.com/r/?id=h623d55d0,6587c07,2119d66>
<http://t.emails.virginmoney.com/r/?id=h623d55d0,6587c07,2119d67>
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<https://res.emails.virginmoney.com/res/virginm_mkt_prod3/security_white.png>
Stay safe online
How to check if an email is genuine
<http://t.emails.virginmoney.com/r/?id=h623d55d0,6587c07,2119d68&p1=106462215>
Visit our Security Centre
<http://t.emails.virginmoney.com/r/?id=h623d55d0,6587c07,2119d69&p1=106462215>
* Calls may be monitored or recorded. Calls to 0800 numbers are free from
personal mobile phones and residential UK landlines.
** Additional call charges may apply, please check with your phone provider.
So you know this email is from us, we've included the last four digits of
your credit card number at the top.
Please read, important information about email security: To ensure that you
receive all emails about your card, add
<mailto:email@creditcard.virginmoney.com?utm_campaign=VM44036v1_Part_VII_Product_Only_Master_-_Cards&utm_content=106462215&utm_medium=email&utm_source=customer_marketing>
email@creditcard.virginmoney.com to your email address book or Safe List.
However, since email is not a secure form of communication, please do not
reply to us by email.
If for any reason you think this email is not from the team at Virgin Money,
please forward it to us at
<mailto:report.phishing@virginmoney.com?utm_campaign=VM44036v1_Part_VII_Product_Only_Master_-_Cards&utm_content=106462215&utm_medium=email&utm_source=customer_marketing>
report.phishing@virginmoney.com (please note no acknowledgement will be
sent).
The Virgin Atlantic Credit Card is issued by Clydesdale Bank PLC (trading as
Virgin Money). Registered in Scotland (Company No. SC001111). Registered
Office: 177 Bothwell Street, Glasgow G2 7ER. Authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and
the Prudential Regulation Authority.
This message and any attachments have been scanned for viruses prior to
leaving our network. However, we cannot guarantee the security of this
message and will not be responsible for any damage as a result of any virus
being passed on by a third party. We may monitor emails sent to and from
this email account.
VM44914v1
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<img width=3D"660" alt=3D"" border=3D"0" =
style=3D"display:block; width:100%; height:auto;" =
src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/pattern_h=
ero_red_light.png">
=20
</td>
</tr>
</table>
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<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:24px 24px 32px 24px; text-align:left;">
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<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#000001; =
line-height:1.5em;">
=20
Your reference: =
VM44914<br><br>Hello,<br><br>In October 2024, Virgin Money and =
Nationwide became part of the same group. We’re now working =
towards Virgin Money’s business becoming part of Nationwide on =
<span style=3D"white-space:nowrap;"><strong style=3D"">2 April =
2026</strong></span>, if the Court approves the transfer.<br><br>Please =
read this email carefully, together with ‘Your questions =
answered’ at <a style=3D"color:#23282d; =
text-decoration:underline;" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh623d55d0,6587c07,2119d5b=
&p1=3D106462215"><span style=3D"white-space:nowrap;"><strong =
style=3D"">virginmoney.com/nationwide-transfer</strong></span></a>
</p>
=20
=20
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#000001; =
line-height:1.5em;">
=20
</p>
</td>
</tr>
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</table>
<!-- //C2 -->
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<!-- C1 -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#ffffff">
<tr>
<td>
=20
<div class=3D"dsk" style=3D"display:none; =
max-height:0; visibility:hidden;">
=20
<img width=3D"660" alt=3D"A Virgin Money =
colleague sitting on a sofa chatting with a customer. Both are holding =
coffee cups." border=3D"0" style=3D"display:block; width:100%; =
height:auto;" =
src=3D"https://images.emlcdn.net/cdn/1001923/2e187eab-12a3-4cda-8321-3519=
a4c4bf15/IMG9919660x371.jpg">
=20
</div>
<!--[if !mso]><!-->
<div class=3D"mob" style=3D"mso-hide:all;">
=20
<img class=3D"fluid" width=3D"460" =
alt=3D"A Virgin Money colleague sitting on a sofa chatting with a =
customer. Both are holding coffee cups." border=3D"0" =
style=3D"display:block; min-width:100%; width:100%; max-width:460px; =
height:auto;" =
src=3D"https://images.emlcdn.net/cdn/1001923/2e187eab-12a3-4cda-8321-3519=
a4c4bf15/MF2243660x660Cropped.jpg">
=20
</div>
<!--<![endif]-->
</td>
</tr>
</table>
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<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#051441">
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:1.5em; =
font-weight:500; color:#ffffff; line-height:1.2em; text-align:left;">
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At a glance
=20
</h2>
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#ffffff; =
line-height:1.5em;">
=20
The High Court is due to sit on <span =
style=3D"white-space:nowrap;"><strong style=3D"">23 February =
2026</strong></span><strong style=3D""> </strong>to decide if the =
transfer of Virgin Money's business to Nationwide can go =
ahead.<br><br>If approved, the transfer is expected to happen on <span =
style=3D"white-space:nowrap;"><strong style=3D"">2 April =
2026</strong></span><strong style=3D"">. </strong><br><br>The transfer =
won’t change your day-to-day banking and you can continue to =
manage your Virgin Money account(s) in the same way as you do =
today.<br><br>Please read the information we have sent you, including =
how you can object if you have any concerns. You can also visit <a =
style=3D"color:#ffffff; text-decoration:underline;" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh623d55d0,6587c07,2119d5c=
&p1=3D106462215"><span style=3D"white-space:nowrap;"><strong =
style=3D"">virginmoney.com/nationwide-transfer</strong></span></a>
</p>
=20
=20
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#ffffff; =
line-height:1.5em;">
=20
</p>
</td>
</tr>
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</table>
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<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:1.5em; =
font-weight:500; color:#e10a0a; line-height:1.2em; text-align:left;">
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Managing your Virgin Atlantic Credit =
Card(s) after the transfer
=20
</h2>
<p style=3D"margin:0 0 1em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#000001; =
line-height:1.5em;">
=20
As a result of the transfer, there =
won’t be any change to your <span =
style=3D"white-space:nowrap;">day-to-day</span> banking:
</p>
=20
<ul type=3D"disc" style=3D"Margin:0; =
Margin-left:16px; padding:0; font-family:Arial,Helvetica,sans-serif; =
font-size:1em; color:#000001; line-height:1.5em;">
<li style=3D"padding:0 0 0.5em 0;">
=20
There are no changes to your 16-digit =
credit card numbers, your PIN or any account features including any =
promotional rate(s) on your account.
</li>
<li style=3D"padding:0 0 0.5em 0;">
=20
You don’t need to make any =
changes to the way you make your payments, including any Direct =
Debit(s).
</li>
<li style=3D"padding:0 0 0.5em 0;">
=20
Your Virgin Atlantic Credit Card(s) =
will still be branded Virgin Atlantic and our contact details will stay =
the same.
</li>
<li style=3D"padding:0 0 0.5em 0;">
=20
You can carry on using the same =
sign-in details when you log into the Virgin Money Credit Card app.
</li>
<li style=3D"padding:0 0 0.5em 0;">
=20
Our web addresses will also stay the =
same.
</li>
=20
=20
=20
=20
=20
</ul>
=20
<div style=3D"height:8px; line-height:8px; =
mso-line-height-rule:exactly;"> </div>
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#000001; =
line-height:1.5em;">
=20
You know us as Virgin Money – =
that’s our trading name. Our legal name is Clydesdale <span =
style=3D"white-space:nowrap;">Bank PLC. </span>When we refer to =
Nationwide, we mean Nationwide Building Society.<br><br>One change =
you’ll start to see is the Nationwide Building Society name =
(instead of <span style=3D"white-space:nowrap;">Clydesdale Bank =
PLC)</span> at the bottom of emails and statements.
</p>
=20
=20
<p style=3D"margin:0 0 1em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#000001; =
line-height:1.5em;">
=20
</p>
</td>
</tr>
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</table>
<!-- //C2 -->
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<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:1.5em; =
font-weight:500; color:#e10a0a; line-height:1.2em; text-align:left;">
=20
Changes to your Virgin Atlantic Credit =
Card(s) Terms
=20
</h2>
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#000001; =
line-height:1.5em;">
=20
Your Virgin Atlantic Credit Card(s) will =
move to be part of Nationwide and, following the transfer, your Terms =
will be updated to reflect Nationwide being your account provider. There =
won’t be any other changes to your Terms as part of <span =
style=3D"white-space:nowrap;">this transfer.</span><br><br>The transfer =
won’t change the way you use your account(s), but as we bring the =
two businesses together after the transfer, we may make some changes. If =
a change impacts you, we’ll give you plenty of notice and explain =
what it means <span style=3D"white-space:nowrap;">to you.</span>
</p>
=20
=20
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#000001; =
line-height:1.5em;">
=20
</p>
</td>
</tr>
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</table>
<!-- //C2 -->
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<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:1.5em; =
font-weight:500; color:#e10a0a; line-height:1.2em; text-align:left;">
=20
The data controller will change after =
the transfer
=20
</h2>
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#000001; =
line-height:1.5em;">
=20
Nationwide will become the data =
controller of any personal data which Virgin Money uses or holds. For =
more information about your personal data, including what happens with =
your marketing permissions, please see Q29 and Q30 in the =
‘General’ section of ‘Your questions =
answered’ at <a style=3D"color:#23282d; =
text-decoration:underline;" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh623d55d0,6587c07,2119d5d=
&p1=3D106462215"><span style=3D"white-space:nowrap;"><strong =
style=3D"">virginmoney.com/nationwide-transfer</strong></span></a>
</p>
=20
=20
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#000001; =
line-height:1.5em;">
=20
</p>
</td>
</tr>
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</table>
<!-- //C2 -->
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<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:1.5em; =
font-weight:500; color:#e10a0a; line-height:1.2em; text-align:left;">
=20
Becoming a member of Nationwide
=20
</h2>
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#000001; =
line-height:1.5em;">
=20
Nationwide is a building society, which =
means it’s a mutual – owned by its members and run for =
their benefit. A member is a Nationwide customer with a mortgage, =
current account, or savings account. <br><br>Becoming a member depends =
on the kind of Virgin Money account(s) you have when the transfer =
happens, together with your personal circumstances and status. Only =
having a credit card with us does not make you a member.<br><br>Members =
get certain benefits and are also part of Nationwide’s charitable =
assignment scheme. You can find out more in Q25 in the =
‘General’ section of ’Your questions =
answered’ at <a style=3D"color:#23282d; =
text-decoration:underline;" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh623d55d0,6587c07,2119d5e=
&p1=3D106462215"><span style=3D"white-space:nowrap;"><strong =
style=3D"">virginmoney.com/nationwide-transfer</strong></span></a>
</p>
=20
=20
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#000001; =
line-height:1.5em;">
=20
</p>
</td>
</tr>
=20
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</table>
<!-- //C2 -->
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<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:1.5em; =
font-weight:500; color:#e10a0a; line-height:1.2em; text-align:left;">
=20
Next steps
=20
</h2>
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#000001; =
line-height:1.5em;">
=20
A Court hearing needs to take place to =
decide whether to approve the transfer. This Court hearing is due to =
take place in the High Court in London on <span =
style=3D"white-space:nowrap;"><strong style=3D"">23 February =
2026</strong>,</span> though<strong style=3D""> </strong>this date may =
change. If it does, we’ll update our website at <a =
style=3D"color:#23282d; text-decoration:underline;" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh623d55d0,6587c07,2119d5f=
&p1=3D106462215"><span style=3D"white-space:nowrap;"><strong =
style=3D"">virginmoney.com/nationwide-transfer</strong></span></a><br><br=
>If the Court approves the transfer, your Virgin Atlantic Credit Card(s) =
will transfer to Nationwide by a Court Order under Part VII of the =
Financial Services and Markets Act 2000 on <span =
style=3D"white-space:nowrap;"><strong style=3D"">2 April =
2026</strong></span>. This date may change too. If it does, we’ll =
update our website.<br><br>The transfer will happen automatically. =
We’ve worked closely with our regulators to make sure the =
transfer is made carefully and smoothly.
</p>
=20
=20
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#000001; =
line-height:1.5em;">
=20
</p>
</td>
</tr>
=20
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</table>
<!-- //C2 -->
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<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:1.5em; =
font-weight:500; color:#e10a0a; line-height:1.2em; text-align:left;">
=20
Objecting to the transfer
=20
</h2>
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#000001; =
line-height:1.5em;">
=20
If you’d like to object directly =
to us, please get in touch by <span =
style=3D"white-space:nowrap;"><strong style=3D"">9 February =
2026</strong>,</span> and we’ll send a copy of your objection to =
the Court before the hearing on <span =
style=3D"white-space:nowrap;"><strong style=3D"">23 February =
2026</strong>.</span><br><br>You can call our dedicated team on <span =
style=3D"white-space:nowrap;"><strong style=3D"">0800 066 =
5008*</strong></span><strong style=3D""> </strong>(or <span =
style=3D"white-space:nowrap;"><strong style=3D"">00 44 141 880 =
2050**</strong></span><strong style=3D""> </strong>if you’re =
calling from outside the UK). We’re here from 8am to 6pm, Monday =
to Friday and 9am to 3pm on Saturdays. <br><br>You can also speak to us =
in branch. To find your nearest one, head to <a style=3D"color:#23282d; =
text-decoration:underline;" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh623d55d0,6587c07,2119d63=
&p1=3D106462215"><span style=3D"white-space:nowrap;"><strong =
style=3D"">virginmoney.com/branch-finder<br></strong></span></a><br>If =
you prefer, you can also email us at <a style=3D"color:#23282d; =
text-decoration:underline;" target=3D"_blank" =
href=3D"mailto:nationwide-transfer@virginmoney.com?utm_campaign=3DVM44036=
v1_Part_VII_Product_Only_Master_-_Cards&utm_content=3D106462215&utm_mediu=
m=3Demail&utm_source=3Dcustomer_marketing"><span =
style=3D"white-space:nowrap;"><strong =
style=3D"">nationwide-transfer@virginmoney.com</strong></span></a> or =
write to us at:<br><br><strong style=3D"">Nationwide =
Transfer</strong><br><strong style=3D"">The team at Virgin =
Money</strong><br><strong style=3D"">Sunderland</strong><br><strong =
style=3D"">SR43 4JB</strong><br><br>We will reply to all objections we =
receive and submit copies of these objections to the Court, as well as =
to the Prudential Regulation Authority and the Financial Conduct =
Authority.<br><br>If you want to object directly to the Court, =
you’ll need to do this in person by going to the hearing or =
sending a legal representative to speak for you. This is because the =
Court does not accept objections <span style=3D"white-space:nowrap;">in =
writing. </span><br><br>You won’t be able to object after the =
Court hearing on <span style=3D"white-space:nowrap;"><strong =
style=3D"">23 February 2026</strong>.</span><br><br>For more details on =
how you can object, take a look at Q7 in the ‘General’ =
section of ‘Your questions answered’ at <a =
style=3D"color:#23282d; text-decoration:underline;" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh623d55d0,6587c07,2119d60=
&p1=3D106462215"><span style=3D"white-space:nowrap;"><strong =
style=3D"">virginmoney.com/nationwide-transfer</strong></span></a>
</p>
=20
=20
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#000001; =
line-height:1.5em;">
=20
</p>
</td>
</tr>
=20
=20
=20
</table>
<!-- //C2 -->
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<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:1.5em; =
font-weight:500; color:#e10a0a; line-height:1.2em; text-align:left;">
=20
Staying safe and avoiding fraud
=20
</h2>
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#000001; =
line-height:1.5em;">
=20
Fraudsters often take advantage of times =
of change to try and persuade people to transfer money or share personal =
or financial information. Your 16-digit credit card number and PIN =
aren’t changing. Virgin Money or Nationwide will never ask you to =
move your money to another account or to change any Direct Debits or =
standing orders. <br><br>Please be extra vigilant if you’re =
contacted by phone, email or text from someone claiming to be from =
Virgin Money or Nationwide, asking you to take action. If you’re =
suspicious, stop all contact and call us using the number on the back of =
your card or visit <a style=3D"color:#23282d; =
text-decoration:underline;" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh623d55d0,6587c07,2119d61=
&p1=3D106462215"><span style=3D"white-space:nowrap;"><strong =
style=3D"">virginmoney.com/report-fraud</strong></span></a>
</p>
=20
=20
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#000001; =
line-height:1.5em;">
=20
</p>
</td>
</tr>
=20
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</table>
<!-- //C2 -->
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<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:1.5em; =
font-weight:500; color:#e10a0a; line-height:1.2em; text-align:left;">
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Help is at hand
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</h2>
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#000001; =
line-height:1.5em;">
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If you have any questions about the =
transfer, you can call our dedicated team on <span =
style=3D"white-space:nowrap;"><strong style=3D"">0800 066 =
5008*</strong></span><strong style=3D""> </strong>(or <span =
style=3D"white-space:nowrap;"><strong style=3D"">00 44 141 880 =
2050**</strong></span><strong style=3D""> </strong>if you’re =
calling from outside the UK). We’re here from 8am to 6pm, Monday =
to Friday and 9am to 3pm <span style=3D"white-space:nowrap;">on =
Saturdays.</span> <br><br>If you prefer, you can also email us at <a =
style=3D"color:#23282d; text-decoration:underline;" target=3D"_blank" =
href=3D"mailto:nationwide-transfer@virginmoney.com?utm_campaign=3DVM44036=
v1_Part_VII_Product_Only_Master_-_Cards&utm_content=3D106462215&utm_mediu=
m=3Demail&utm_source=3Dcustomer_marketing"><span =
style=3D"white-space:nowrap;"><strong =
style=3D"">nationwide-transfer@virginmoney.com</strong></span></a><br><br=
>You can also find important information, including a summary of the =
terms of the transfer and a copy of the formal notice of the transfer, =
at <a style=3D"color:#23282d; text-decoration:underline;" =
target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh623d55d0,6587c07,2119d62=
&p1=3D106462215"><span style=3D"white-space:nowrap;"><strong =
style=3D"">virginmoney.com/nationwide-transfer</strong></span></a> =
<br><br>You can also speak to us in branch. To find your nearest one, =
head to <a style=3D"color:#23282d; text-decoration:underline;" =
target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh623d55d0,6587c07,2119d64=
&p1=3D106462215"><span style=3D"white-space:nowrap;"><strong =
style=3D"">virginmoney.com/branch-finder</strong></span></a><br><br><br><=
strong style=3D"">Chris Rhodes <br>Chief Executive Officer, Virgin =
Money</strong>
</p>
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<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#000001; =
line-height:1.5em;">
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</p>
</td>
</tr>
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</table>
<!-- //C2 -->
<!-- SOCIAL -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#e10a0a">
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<tr>
<td class=3D"ph24" align=3D"left" =
style=3D"padding:8px 16px 24px 16px; font-size:0; text-align:center;">
<!--[if true]>
<table width=3D"612" align=3D"center" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" role=3D"presentation" =
style=3D"width:612px;">
<tr>
<td width=3D"420" valign=3D"top" =
style=3D"width:420px;">
<![endif]-->
<div class=3D"col" =
style=3D"display:inline-block; width:100%; max-width:420px; =
vertical-align:top;">
<table width=3D"100%" align=3D"left" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" role=3D"presentation" =
style=3D"max-width:420px;">
<tr>
<td align=3D"left" =
style=3D"padding:16px 8px 0 8px;">
<img =
src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/social_sl=
ogan_white_v2.png" width=3D"300" height=3D"48" alt=3D"We're a sociable =
bunch, follow us" border=3D"0" style=3D"display:block;">
</td>
</tr>
</table>
</div>
<!--[if true]>
</td>
<td width=3D"192" valign=3D"top" =
style=3D"width:192px;">
<![endif]-->
<div class=3D"col" =
style=3D"display:inline-block; width:100%; max-width:192px; =
vertical-align:top;">
<table width=3D"192" align=3D"left" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" role=3D"presentation">
<tr>
<td style=3D"padding:16px 8px 0 =
8px;">
<a _category=3D"social" =
_label=3D"Instagram" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh623d55d0,6587c07,2119d65=
" target=3D"_blank"><img =
src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/instagram=
_white.png" width=3D"48" height=3D"48" alt=3D"Instagram" border=3D"0" =
style=3D"display:block;">
</a>
</td>
<td style=3D"padding:16px 8px 0 =
8px;">
<a _category=3D"social" =
_label=3D"TikTok" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh623d55d0,6587c07,2119d66=
" target=3D"_blank"><img =
src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/Tiktok_lo=
go_red.png" width=3D"48" height=3D"48" alt=3D"YouTube" border=3D"0" =
style=3D"display:block;">
</a>
</td>
<td style=3D"padding:16px 8px 0 =
8px;">
<a _category=3D"social" =
_label=3D"Facebook" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh623d55d0,6587c07,2119d67=
" target=3D"_blank"><img =
src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/facebook_=
white.png" width=3D"48" height=3D"48" alt=3D"Facebook" border=3D"0" =
style=3D"display:block;">
</a>
</td>
</tr>
</table>
</div>
<!--[if true]>
</td>
</tr>
</table>
<![endif]-->
</td> =20
</tr>
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</table>
<!-- //SOCIAL -->
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<!-- FOOTER -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#e10a0a">
<tr>
<td style=3D"padding:8px 0 32px 0;">
<img width=3D"660" alt=3D"" border=3D"0" =
style=3D"display:block; width:100%; height:auto;" =
src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/pattern_f=
ooter_red_light.png">
</td>
</tr>
<tr>
<td class=3D"ph32" valign=3D"top" =
style=3D"padding:0 24px 16px 24px;">
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<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation">
<tr>
<td width=3D"18" valign=3D"middle" =
style=3D"vertical-align:middle; padding:0 8px 0 0;">
<img =
src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/security_=
white.png" width=3D"18" height=3D"24" alt=3D"" border=3D"0" =
style=3D"display:block;">
</td>
<td class=3D"sans" valign=3D"middle" =
style=3D"vertical-align:middle; text-align:left;">
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#ffffff; =
line-height:1.5em;">
Stay safe online
</p>
</td>
</tr>
</table>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation">
<tr>
<td valign=3D"top" style=3D"padding:8px =
0 0 0; text-align:left;">
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.9em; color:#ffffff; =
line-height:1.5em;">
<a target=3D"_blank" =
style=3D"color:#ffffff; text-decoration:underline;" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh623d55d0,6587c07,2119d68=
&p1=3D106462215">How to check if an email is genuine</a><br><a =
target=3D"_blank" style=3D"color:#ffffff; text-decoration:underline;" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh623d55d0,6587c07,2119d69=
&p1=3D106462215">Visit our Security Centre</a>
</p>
=20
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td class=3D"ph32" valign=3D"top" =
style=3D"padding:0 24px 32px 24px; text-align:left;">
=20
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<p style=3D"margin:0 0 1em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.9em; color:#ffffff; =
line-height:1.5em;">* Calls may be monitored or recorded. Calls to 0800 =
numbers are free from personal mobile phones and residential UK =
landlines.<br><br>** Additional call charges may apply, please check =
with your phone provider. <br><br>So you know this email is from us, =
we've included the last four digits of your credit card number at the =
top.<br><br>Please read, important information about email =
security:<strong style=3D""> </strong>To ensure that you receive all =
emails about your card, add <a style=3D"color:#ffffff; =
text-decoration:underline;" target=3D"_blank" =
href=3D"mailto:email@creditcard.virginmoney.com?utm_campaign=3DVM44036v1_=
Part_VII_Product_Only_Master_-_Cards&utm_content=3D106462215&utm_medium=3D=
email&utm_source=3Dcustomer_marketing"><strong =
style=3D"">email@creditcard.virginmoney.com</strong></a> to your email =
address book or Safe List. However, since email is not a secure form of =
communication, please do not reply to us by email.<br><br>If for any =
reason you think this email is not from the team at Virgin Money, please =
forward it to us at <a style=3D"color:#ffffff; =
text-decoration:underline;" target=3D"_blank" =
href=3D"mailto:report.phishing@virginmoney.com?utm_campaign=3DVM44036v1_P=
art_VII_Product_Only_Master_-_Cards&utm_content=3D106462215&utm_medium=3D=
email&utm_source=3Dcustomer_marketing"><strong =
style=3D"">report.phishing@virginmoney.com</strong></a><strong =
style=3D""> </strong>(please note no acknowledgement will be =
sent).<br><br>The Virgin Atlantic Credit Card is issued by Clydesdale =
Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. =
SC001111). Registered Office: 177 Bothwell Street, Glasgow G2 7ER. =
Authorised by the Prudential Regulation Authority and regulated by the =
Financial Conduct Authority and the Prudential Regulation =
Authority.<br><br>This message and any attachments have been scanned for =
viruses prior to leaving our network. However, we cannot guarantee the =
security of this message and will not be responsible for any damage as a =
result of any virus being passed on by a third party. We may monitor =
emails sent to and from this email account.</p>
=20
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.9em; color:#ffffff; =
line-height:1.5em;">
VM44914v1
</p>
</td>
</tr>
</table>
<!-- //FOOTER -->
</div>
<!--[if mso]>
</td>=20
</tr>
</table>
<![endif]-->
</td>
</tr>
</table>
</div>
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<img height=3D'0' width=3D'0' alt=3D'' =
src=3D'http://t.emails.virginmoney.com/r/?id=3Dh623d55d0,6587c07,1'/></bo=
dy>
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