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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: You've got new balance and money transfer rates
Date: Wed, 8 Apr 2026 12:06:16 +0100
Message-ID: <NM665DBEC9F067CF61Cvirginm_mkt_prod3-Ym91bmNlQGNyZWRpdGNhcmQudmlyZ2lubW9uZXkuY29t@creditcard.virginmoney.com>
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Take a look at your latest transfer rates
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=h65dbec9f,67cf61c,22615dc&p1=108852764>
<https://images.emlcdn.net/cdn/1001923/18f44633-e6a2-4389-8e98-e66debdbb7fb/VAAheader31962.png>
<https://images.emlcdn.net/cdn/1001923/18f44633-e6a2-4389-8e98-e66debdbb7fb/671b6394f96a6458cfb18d20bf1a627ba78ab022.png>
0% on balance and money transfers
Robert, as part of our ongoing service to you, we're letting you know you've
got new balance and money transfer rates available on your Virgin Atlantic
Credit Card ending 2523, with 0% interest until the statement dates outlined
in the table below.
This rate is available on all transfers made between 1 April 2026 and 31 May
2026. A handling fee will apply. Just so you know, you won’t earn Virgin
Points on any balance and money transfers.
Transfer Type 0% Interest Handling Fee
Balance Transfers until your June 2027 statement 4%
Money Transfers until your June 2027 statement 4%
If you're unsure, find out what balance transfers and money transfers are
and how they work.
<http://t.emails.virginmoney.com/r/?id=h65dbec9f,67cf61c,22615dd&p1=108852764>
More information
<https://images.emlcdn.net/cdn/1001923/18f44633-e6a2-4389-8e98-e66debdbb7fb/MF2226CCEmail640x1050TransparentVAA.png>
<https://images.emlcdn.net/cdn/1001923/18f44633-e6a2-4389-8e98-e66debdbb7fb/MF2226CCEmail640x1300TransparentVAAmobile.png>
How to make a transfer
To apply via the credit card app, go to the ‘Offers’ tab, select ‘Make a
balance transfer’ and/or ‘Make a money transfer’ and take it from there.
If you don’t already have the app, search 'Virgin Money Credit Card' on the
App Store or Google Play. When registering, make sure you use your credit
card ending 2523. Once downloaded, you can easily apply for your transfer by
following the steps above.
<http://t.emails.virginmoney.com/r/?id=h65dbec9f,67cf61c,22615de>
<http://t.emails.virginmoney.com/r/?id=h65dbec9f,67cf61c,22615df>
Key things to consider
* Balance transfers – you can transfer a balance from another credit or
store card, but not from another Virgin Money or Nationwide issued credit
card.
* Your rate – when your new transfer rate ends, balance and money transfers
will be charged at your standard rate of interest. This can be found on your
statement.
* The terms – to keep the new transfer rate, you need to make the minimum
payment on time every month.
* Credit limit – you can only transfer up to 95% of your credit limit minus
your outstanding balance(s) and transfer fee. You can view your credit limit
in our credit card app.
* It’s best to try and pay off as much as you can afford each month. Direct
Debit is the simplest way to pay. You can set one up easily, or if you've
done that already, you should check your details to make sure it's still in
place. You can do this in our credit card app.
For more information, please see your statement and your Terms.
Want to know more?
If you'd like more information on balance and money transfers, you'll find
it all here
<http://t.emails.virginmoney.com/r/?id=h65dbec9f,67cf61c,22615e0&p1=108852764>
.
The Virgin Atlantic Credit Card team
Why you've received this email
As part of your credit agreement, we’re getting in touch to keep you updated
on the balance transfer, money transfer and purchase rates available on your
credit card. If you’d rather not receive these communications, you can let
us know by calling 0800 011 3210 <tel:08000113210> . You’ll still be able to
find your rates in the credit card app.
Using your data
We value the personal information you share with us. Our Privacy Notice
<http://t.emails.virginmoney.com/r/?id=h65dbec9f,67cf61c,22615e1&p1=108852764>
explains how we use and protect your data, and our Cookie Notice
<http://t.emails.virginmoney.com/r/?id=h65dbec9f,67cf61c,22615e2&p1=108852764>
outlines how we use cookies to personalise your digital experience. You can
update your cookie preferences at any time via the Cookie Notice.
Keeping you safe
Taking care of your information matters to us. We’ll never ask for personal,
account or security details by email, such as your full PIN, password or
one‑time passcode. Visit our website
<http://t.emails.virginmoney.com/r/?id=h65dbec9f,67cf61c,22615e3&p1=108852764>
for guidance on spotting fraud and scams.
Suspicious email? Forward it to
<mailto:report.phishing@virginmoney.com?utm_campaign=VM35711_-_CVM_VAA_Comm_1_BTMT_Email&utm_content=108852764&utm_medium=email&utm_source=Cards_Marketing>
report.phishing@virginmoney.com.
Suspicious call? Hang up and call 159 <tel:159> or the number on any Virgin
Money card.
Email security
When using links in emails, please note that links to third‑party websites
are provided for information only, and we’re not responsible for their
content or any issues that may arise. This email and any attachments were
scanned for viruses before leaving our network. However, we can’t guarantee
the security of this message or accept responsibility for any damage caused
by a virus being passed on by a third party. We may monitor emails sent to
and from this account.
About our partners
App Store® is a service mark of Apple Inc., registered in the U.S. and other
countries. Google Play® is a trademark of Google LLC. Mastercard® and the
circles design are trademarks of Mastercard International Inc.
About us
The Virgin Atlantic Credit Card is issued by Nationwide Building Society
(trading as Virgin Money). Authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and the Prudential
Regulation Authority, under registration number 106078. You can confirm our
registration on the FCA Firm Checker
<http://t.emails.virginmoney.com/r/?id=h65dbec9f,67cf61c,22615e4> website.
Head Office: Nationwide House, Pipers Way, Swindon, Wiltshire, SN38 1NW.
VM35711V10.0
<http://t.emails.virginmoney.com/r/?id=h65dbec9f,67cf61c,1>
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Robert, as part of our ongoing service =
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solid #e10a0a;" width=3D"33%">
=20
Balance Transfers
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
until your June 2027 statement
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
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4%
</td>
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</tr>
<tr>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a;" width=3D"33%">
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Money Transfers
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
until your June 2027 statement
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
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4%
</td>
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</tr>
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</table>
</td>
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</table>
</td>
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bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:0 24px 32px 24px; text-align:left;">
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<p style=3D"margin:0 0 1em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#000001; =
line-height:1.5em;">
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If you're unsure, find out what balance =
transfers and money transfers are and how they work.
</p>
<div style=3D"text-align:left;">
=20
<a class=3D"cta" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh65dbec9f,67cf61c,22615dd=
&p1=3D108852764" style=3D"display:inline-block; width:240px; =
font-family:Arial,Helvetica,sans-serif; font-size:0.875em; =
font-weight:500; color:#ffffff; line-height:48px; text-align:center; =
text-decoration:none; background-color:#e10a0a; =
-webkit-text-size-adjust:none; mso-padding-alt:0;"><!--[if mso]><i =
style=3D"mso-font-width:200%;mso-text-raise:24pt;" =
hidden> </i><![endif]--><span style=3D"mso-text-raise:12pt;">More =
information</span><!--[if mso]><i style=3D"mso-font-width:200%;" =
hidden> ​</i><![endif]--></a>
</div>
<div style=3D"height:16px; line-height:16px; =
mso-line-height-rule:exactly;"> </div>
<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>
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background-color:#ffffff;">
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<table width=3D"660" bgcolor=3D"#ffffff" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" role=3D"presentation" =
style=3D"width:660px;">
<tr>
<td width=3D"330" valign=3D"top" =
style=3D"width:330px;">
<![endif]-->
<div class=3D"fluid" =
style=3D"display:inline-block; width:100%; min-width:100%; =
max-width:330px; vertical-align:top;">
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<div class=3D"dsk" =
style=3D"display:none; max-height:0; visibility:hidden;">
<a target=3D"_blank">
<img alt=3D"Phone" border=3D"0" =
src=3D"https://images.emlcdn.net/cdn/1001923/18f44633-e6a2-4389-8e98-e66d=
ebdbb7fb/MF2226CCEmail640x1050TransparentVAA.png" width=3D"330" =
style=3D"display:block; width:100%; max-width:330px; height:auto;">
</a>
</div>
<!--[if !mso]><!-->
<div class=3D"mob fluid" =
style=3D"mso-hide:all;">
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<img class=3D"fluid" width=3D"480" =
alt=3D"Phone" border=3D"0" style=3D"display:block; width:100%; =
min-width:100%; max-width:480px; height:auto;" =
src=3D"https://images.emlcdn.net/cdn/1001923/18f44633-e6a2-4389-8e98-e66d=
ebdbb7fb/MF2226CCEmail640x1300TransparentVAAmobile.png">
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</div>
<!--<![endif]-->
</div>
<!--[if mso]>
</td>
<td width=3D"330" valign=3D"top" =
style=3D"width:330px;">
<![endif]-->
<div class=3D"fluid" =
style=3D"display:inline-block; width:100%; min-width:100%; =
max-width:330px; vertical-align:top;">
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<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation">
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<tr>
<td class=3D"ph32" valign=3D"top" =
style=3D"padding:0 24px 8px 24px; font-size:16px; text-align:left;">
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<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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How to make a 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;">
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To apply via the credit card =
app, go to the ‘Offers’ tab, select ‘Make a balance =
transfer’ and/or ‘Make a money transfer’ and take =
it from there.<br><br>If you don’t already have the app, search =
'Virgin Money Credit Card' on the App Store or Google Play. When =
registering, make sure you use your credit card ending 2523. Once =
downloaded, you can easily apply for your transfer by following the =
steps above. <br>
</p>
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<p style=3D"margin:0 0 1em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#000001; =
line-height:1.5em;">
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</p>
</td>
</tr>
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:0 24px 32px 24px;">
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<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" align=3D"left">
<tr>
<td valign=3D"top">
<a target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh65dbec9f,67cf61c,22615de=
"><img =
src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/app_store=
.png" width=3D"119" height=3D"40" alt=3D"Download on the App Store" =
border=3D"0" style=3D"display:block;">
</a>
</td>
<td width=3D"8" =
style=3D"font-size:1px; line-height:1px;"> </td>
<td valign=3D"top">
<a target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh65dbec9f,67cf61c,22615df=
"><img =
src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/google_pl=
ay.png" width=3D"135" height=3D"40" alt=3D"Get it on Google Play" =
border=3D"0" style=3D"display:block;">
</a>
</td>
</tr>
</table>
</td>
</tr>
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</table>
</div>
<!--[if mso]>
</td>
</tr>
</table>
<![endif]-->
</div>
<!-- //C3 -->
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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:0 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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Key things to consider
=20
</h2>
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<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
<strong style=3D"">Balance =
transfers</strong> – you can transfer a balance from another =
credit or store card, but not from another Virgin Money or Nationwide =
issued credit card.
</li>
<li style=3D"padding:0 0 0.5em 0;">
=20
<strong style=3D"">Your rate</strong> =
– when your new transfer rate ends, balance and money transfers =
will be charged at your standard rate of interest. This can be found on =
<span style=3D"white-space:nowrap;">your statement</span>.
</li>
<li style=3D"padding:0 0 0.5em 0;">
=20
<strong style=3D"">The terms</strong> =
– to keep the new transfer rate, you need to make the minimum =
payment on time every month.
</li>
<li style=3D"padding:0 0 0.5em 0;">
=20
<strong style=3D"">Credit =
limit</strong> – you can only transfer up to 95% of your credit =
limit minus your outstanding balance(s) and transfer fee. You can view =
your credit limit in our credit card app.
</li>
<li style=3D"padding:0 0 0.5em 0;">
=20
<strong style=3D"">It’s best to =
try and pay off as much as you can afford each month.</strong> Direct =
Debit is the simplest way to pay. You can set one up easily, or if =
you've done that already, you should check your details to make sure =
it's still in place. You can do this in our credit card app.
</li>
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</ul>
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<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
For more information, please see your =
statement and your Terms.
</p>
=20
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<p style=3D"margin:0 0 1em 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 -->
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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:0 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
Want to know more?
=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 more information on =
balance and money transfers, you'll find it all <a =
style=3D"color:#000001; text-decoration:underline;" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh65dbec9f,67cf61c,22615e0=
&p1=3D108852764">here</a>.<br><br><span style=3D"color:#e10a0a;"><strong =
style=3D"">The Virgin Atlantic Credit Card team </strong></span>
</p>
=20
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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 -->
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<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#e10a0a">
<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; =
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</p>
</td>
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</table>
<!-- //C2 -->
<!-- FOOTER -->
<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"ph32" valign=3D"top" =
style=3D"padding:24px 24px 32px 24px; text-align:left;">
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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;">
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<strong style=3D"">Why you've received =
this email</strong><br>As part of your credit agreement, we’re =
getting in touch to keep you updated on the balance transfer, money =
transfer and purchase rates available on your credit card. If =
you’d rather not receive these communications, you can let us =
know by calling <a style=3D"color:#ffffff; text-decoration:underline;" =
target=3D"_blank" href=3D"tel:08000113210">0800 011 3210</a>. =
You’ll still be able to find your rates in the credit card =
app.<br><br><strong style=3D"">Using your data</strong> <br>We value =
the personal information you share with us. Our <a =
style=3D"color:#ffffff; text-decoration:underline;" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh65dbec9f,67cf61c,22615e1=
&p1=3D108852764">Privacy Notice</a> explains how we use and protect your =
data, and our <a style=3D"color:#ffffff; text-decoration:underline;" =
target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh65dbec9f,67cf61c,22615e2=
&p1=3D108852764">Cookie Notice</a> outlines how we use cookies to =
personalise your digital experience. You can update your cookie =
preferences at any time via the Cookie Notice.<br><br><strong =
style=3D"">Keeping you safe</strong><br>Taking care of your information =
matters to us. We’ll never ask for personal, account or security =
details by email, such as your full PIN, password or one=E2=80=91time =
passcode. Visit our <a style=3D"color:#ffffff; =
text-decoration:underline;" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh65dbec9f,67cf61c,22615e3=
&p1=3D108852764">website</a> for guidance on spotting fraud and =
scams.<br><strong style=3D"">Suspicious email?</strong> Forward it to <a =
style=3D"color:#ffffff; text-decoration:underline;" target=3D"_blank" =
href=3D"mailto:report.phishing@virginmoney.com?utm_campaign=3DVM35711_-_C=
VM_VAA_Comm_1_BTMT_Email&utm_content=3D108852764&utm_medium=3Demail&utm_s=
ource=3DCards_Marketing"><span =
style=3D"color:#ffffff;">report.phishing@virginmoney.com</span></a>.<br><=
strong style=3D"">Suspicious call?</strong> Hang up and call <a =
style=3D"color:#ffffff; text-decoration:underline;" target=3D"_blank" =
href=3D"tel:159">159</a> or the number on any Virgin Money =
card.<br><br><strong style=3D"">Email security</strong><br>When using =
links in emails, please note that links to third=E2=80=91party websites =
are provided for information only, and we’re not responsible for =
their content or any issues that may arise. This email and any =
attachments were scanned for viruses before leaving our network. =
However, we can’t guarantee the security of this message or =
accept responsibility for any damage caused by a virus being passed on =
by a third party. We may monitor emails sent to and from this =
account.<br><strong style=3D""><br>About our partners</strong><br>App =
Store=C2=AE is a service mark of Apple Inc., registered in the U.S. and =
other countries. Google Play=C2=AE is a trademark of Google LLC. =
Mastercard=C2=AE and the circles design are trademarks of Mastercard =
International Inc. <br><br><strong style=3D"">About us</strong><br>The =
Virgin Atlantic Credit Card is issued by Nationwide Building Society =
(trading as Virgin Money). Authorised by the Prudential Regulation =
Authority and regulated by the Financial Conduct Authority and the =
Prudential Regulation Authority, under registration number 106078. You =
can confirm our registration on the <a style=3D"color:#ffffff; =
text-decoration:underline;" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh65dbec9f,67cf61c,22615e4=
">FCA Firm Checker</a> website. Head Office: Nationwide House, Pipers =
Way, Swindon, Wiltshire, SN38 1NW.
</p>
=20
<!-- NEW LEGALESE TESTING -->
=20
<!-- TESTING NEW LEGALESE //END -->
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.9em; color:#ffffff; =
line-height:1.5em;">
VM35711V10.0
</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=3Dh65dbec9f,67cf61c,1'/></bo=
dy>
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