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From: "Virgin Money" <email@creditcard.virginmoney.com>
Subject: You've got new balance and money transfer rates
Date: Tue, 04 Aug 2026 11:07:12 +0100
To: <bob@sarahharvey.com>
Reply-To: "Virgin Money" <no-reply@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=t68c9504e,6964ee6,2372f8d&p1=110513894
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 August 2026 and 30 September 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 August 2027 statement 4%
Money Transfers until your August 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=t68c9504e,6964ee6,2372f8e transfers&subtopicid=5bdca2ed-6b34-ef11-8e4e-000d3ad5502b&topicid=6196268d-6b34-ef11-8e4f-002248425de8&topicname=Credit Cards&utm_campaign=VM35711_-_CVM_VAA_Comm_1_BTMT_Email&utm_content=110513894&utm_medium=email&utm_source=Cards_Marketing More information
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=t68c9504e,6964ee6,2372f8f http://t.emails.virginmoney.com/r/?id=t68c9504e,6964ee6,2372f90
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 http://t.emails.virginmoney.com/r/?id=t68c9504e,6964ee6,2372f91 transfers&subtopicid=5bdca2ed-6b34-ef11-8e4e-000d3ad5502b&topicid=6196268d-6b34-ef11-8e4f-002248425de8&topicname=Credit Cards&utm_campaign=VM35711_-_CVM_VAA_Comm_1_BTMT_Email&utm_content=110513894&utm_medium=email&utm_source=Cards_Marketing here .
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 tel:08000113210 0800 011 3210 . 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 http://t.emails.virginmoney.com/r/?id=t68c9504e,6964ee6,2372f92&p1=110513894 Privacy Notice explains how we use and protect your data, and our http://t.emails.virginmoney.com/r/?id=t68c9504e,6964ee6,2372f93&p1=110513894 Cookie Notice 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 http://t.emails.virginmoney.com/r/?id=t68c9504e,6964ee6,2372f94&p1=110513894 website 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=110513894&utm_medium=email&utm_source=Cards_Marketing report.phishing@virginmoney.com .
Suspicious call? Hang up and call tel:159 159 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 http://t.emails.virginmoney.com/r/?id=t68c9504e,6964ee6,2372f95 FCA Firm Checker website. Head Office: Nationwide House, Pipers Way, Swindon, Wiltshire, SN38 1NW.
VM35711V10.0
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gits of your card number: 2523
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0% on balance and money transfers
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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 Cred=
it Card ending 2523, with 0% interest until the statement dates outlined in=
the table below. <br><br>This rate is available on all transfers made betw=
een 1 August 2026 and 30 September 2026. A handling fee will apply. Just so=
you know, you won’t earn Virgin Points on any balance and money tra=
nsfers.
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<strong style=3D"">Handling Fee</st=
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width=3D"33%">
Balance Transfers
</td>
<td style=3D"padding:10px; font-famil=
y:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; line-height:16=
px; text-align:left; vertical-align:top; border-bottom:1px solid #e10a0a; b=
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until your August 2027 statement
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px; text-align:left; vertical-align:top; border-bottom:1px solid #e10a0a; b=
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4%
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Money Transfers
</td>
<td style=3D"padding:10px; font-famil=
y:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; line-height:16=
px; text-align:left; vertical-align:top; border-bottom:1px solid #e10a0a; b=
order-left:1px solid #e10a0a;" width=3D"33%">
until your August 2027 statement
</td>
<td style=3D"padding:10px; font-famil=
y:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; line-height:16=
px; text-align:left; vertical-align:top; border-bottom:1px solid #e10a0a; b=
order-left:1px solid #e10a0a;" width=3D"33%">
4%
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
<!-- //New Table 4 even Col -->
<!-- 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"paddin=
g:0 24px 32px 24px; text-align:left;">
<p style=3D"margin:0 0 1em 0; font-family:Arial=
,Helvetica,sans-serif; font-size:1em; color:#000001; line-height:1.5em;">
If you're unsure, find out what balance tra=
nsfers and money transfers are and how they work.
</p>
<div style=3D"text-align:left;">
<a class=3D"cta" target=3D"_blank" href=3D"=
http://t.emails.virginmoney.com/r/=3Fid=3Dh68c9504e,6964ee6,2372f85&p1=3D11=
0513894" style=3D"display:inline-block; width:240px; font-family:Arial,Helv=
etica,sans-serif; font-size:0.875em; font-weight:500; color:#ffffff; line-h=
eight:48px; text-align:center; text-decoration:none; background-color:#e10a=
0a; -webkit-text-size-adjust:none; mso-padding-alt:0;"><!--[if mso]><i styl=
e=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; ms=
o-line-height-rule:exactly;"> </div>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:0.75em; color:#000001; line-height:1.5em;">
</p>
</td>
</tr>
</table>
<!-- //C2 -->
<!-- C3 -->
<div style=3D"font-size:0; text-align:center; backgro=
und-color:#ffffff;">
<!--[if mso]>
<table width=3D"660" bgcolor=3D"#ffffff" cellpaddin=
g=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;">
<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/f1a26980-5465-4594-ac33-9ea162c7f=
d4f/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-hid=
e:all;">
<img class=3D"fluid" width=3D"480" al=
t=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/10019=
23/f1a26980-5465-4594-ac33-9ea162c7fd4f/MF2226CCEmail640x1300TransparentVAA=
mobile.png">
</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;">
<table width=3D"100%" cellpadding=3D"0" cel=
lspacing=3D"0" border=3D"0" role=3D"presentation">
<tr>
<td class=3D"ph32" valign=3D"top" style=
=3D"padding:0 24px 8px 24px; font-size:16px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; fo=
nt-family:Arial,Helvetica,sans-serif; font-size:1.5em; font-weight:500; col=
or:#e10a0a; line-height:1.2em; text-align:left;">
How to make a transfer
</h2>
<p style=3D"margin:0 0 1em 0; font-fa=
mily:Arial,Helvetica,sans-serif; font-size:1em; color:#000001; line-height:=
1.5em;">
To apply via the credit card app,=
go to the ‘Offers’ tab, select ‘Make a balance transf=
er’ and/or ‘Make a money transfer’ and take it from th=
ere.<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 y=
ou use your credit card ending 2523. Once downloaded, you can easily apply =
for your transfer by following the steps above. <br>
</p>
<p style=3D"margin:0 0 1em 0; font-=
family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#000001; line-he=
ight:1.5em;">
</p>
</td>
</tr>
<tr>
<td class=3D"ph32" align=3D"left" style=
=3D"padding:0 24px 32px 24px;">
<table cellpadding=3D"0" cellspacin=
g=3D"0" border=3D"0" role=3D"presentation" align=3D"left">
<tr>
<td valign=3D"top">
<a target=3D"_blank" href=3D"ht=
tp://t.emails.virginmoney.com/r/=3Fid=3Dh68c9504e,6964ee6,2372f86"><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-siz=
e:1px; line-height:1px;"> </td>
<td valign=3D"top">
<a target=3D"_blank" href=3D"ht=
tp://t.emails.virginmoney.com/r/=3Fid=3Dh68c9504e,6964ee6,2372f87"><img src=
=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/google_play.pn=
g" width=3D"135" height=3D"40" alt=3D"Get it on Google Play" border=3D"0" s=
tyle=3D"display:block;">
</a>
</td>
</tr>
</table>
</td>
</tr>
</table>
</div>
<!--[if mso]>
</td>
</tr>
</table>
<![endif]-->
</div>
<!-- //C3 -->
<!-- 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"paddin=
g:0 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; font-family:Ar=
ial,Helvetica,sans-serif; font-size:1.5em; font-weight:500; color:#e10a0a; =
line-height:1.2em; text-align:left;">
Key things to consider
</h2>
<ul type=3D"disc" style=3D"Margin:0; Margin-l=
eft: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;">
<strong style=3D"">Balance transfers</str=
ong> – 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;">
<strong style=3D"">Your rate</strong> &#x=
2013; 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 styl=
e=3D"white-space:nowrap;">your statement</span>.
</li>
<li style=3D"padding:0 0 0.5em 0;">
<strong style=3D"">The terms</strong> &#x=
2013; to keep the new transfer rate, you need to make the minimum payment o=
n time every month.
</li>
<li style=3D"padding:0 0 0.5em 0;">
<strong style=3D"">Credit limit</strong> =
– you can only transfer up to 95% of your credit limit minus your ou=
tstanding balance(s) and transfer fee. You can view your credit limit in ou=
r credit card app.
</li>
<li style=3D"padding:0 0 0.5em 0;">
<strong style=3D"">It’s best to tr=
y and pay off as much as you can afford each month.</strong> Direct Debit i=
s the simplest way to pay. You can set one up easily, or if you've done tha=
t already, you should check your details to make sure it's still in place. =
You can do this in our credit card app.
</li>
</ul>
<div style=3D"height:8px; line-height:8px; mso-=
line-height-rule:exactly;"> </div>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:1em; color:#000001; line-height:1.5em;">
For more information, please see your state=
ment and your Terms.
</p>
<p style=3D"margin:0 0 1em 0; font-family:Arial=
,Helvetica,sans-serif; font-size:0.75em; color:#000001; line-height:1.5em;"=
>
</p>
</td>
</tr>
</table>
<!-- //C2 -->
<!-- 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"paddin=
g:0 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; font-family:Ar=
ial,Helvetica,sans-serif; font-size:1.5em; font-weight:500; color:#e10a0a; =
line-height:1.2em; text-align:left;">
Want to know more=3F
</h2>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:1em; color:#000001; line-height:1.5em;">
If you'd like more information on balance a=
nd money transfers, you'll find it all <a style=3D"color:#000001; text-deco=
ration:underline;" target=3D"_blank" href=3D"http://t.emails.virginmoney.co=
m/r/=3Fid=3Dh68c9504e,6964ee6,2372f88&p1=3D110513894">here</a>.<br><br><spa=
n style=3D"color:#e10a0a;"><strong style=3D"">The Virgin Atlantic Credit Ca=
rd team </strong></span>
</p>
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:0.75em; color:#000001; line-height:1.5em;">
</p>
</td>
</tr>
</table>
<!-- //C2 -->
<!-- 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"paddin=
g:24px 24px 32px 24px; text-align:left;">
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:0.75em; color:#ffffff; line-height:1.5em;">
</p>
</td>
</tr>
</table>
<!-- //C2 -->
<!-- FOOTER -->
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"=
0" border=3D"0" role=3D"presentation" bgcolor=3D"#e10a0a">
<tr>
<td class=3D"ph32" valign=3D"top" style=3D"padding:=
24px 24px 32px 24px; text-align:left;">
<p style=3D"margin:0 0 1em 0; font-family:Arial,H=
elvetica,sans-serif; font-size:0.9em; color:#ffffff; line-height:1.5em;">
<strong style=3D"">Why you've received this e=
mail</strong><br>As part of your credit agreement, we’re getting in =
touch to keep you updated on the balance transfer, money transfer and purch=
ase 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:#ff=
ffff; 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:#f=
fffff; text-decoration:underline;" target=3D"_blank" href=3D"http://t.email=
s.virginmoney.com/r/=3Fid=3Dh68c9504e,6964ee6,2372f89&p1=3D110513894">Priva=
cy 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"ht=
tp://t.emails.virginmoney.com/r/=3Fid=3Dh68c9504e,6964ee6,2372f8a&p1=3D1105=
13894">Cookie Notice</a> outlines how we use cookies to personalise your di=
gital experience. You can update your cookie preferences at any time via th=
e Cookie Notice.<br><br><strong style=3D"">Keeping you safe</strong><br>Tak=
ing care of your information matters to us. We’ll never ask for pers=
onal, 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-de=
coration:underline;" target=3D"_blank" href=3D"http://t.emails.virginmoney.=
com/r/=3Fid=3Dh68c9504e,6964ee6,2372f8b&p1=3D110513894">website</a> for gui=
dance on spotting fraud and scams.<br><strong style=3D"">Suspicious email=
=3F</strong> Forward it to <a style=3D"color:#ffffff; text-decoration:under=
line;" target=3D"_blank" href=3D"mailto:report.phishing@virginmoney.com=3Fu=
tm_campaign=3DVM35711_-_CVM_VAA_Comm_1_BTMT_Email&utm_content=3D110513894&u=
tm_medium=3Demail&utm_source=3DCards_Marketing"><span style=3D"color:#fffff=
f;">report.phishing@virginmoney.com</span></a>.<br><strong style=3D"">Suspi=
cious call=3F</strong> Hang up and call <a style=3D"color:#ffffff; text-dec=
oration:underline;" target=3D"_blank" href=3D"tel:159">159</a> or the numbe=
r on any Virgin Money card.<br><br><strong style=3D"">Email security</stron=
g><br>When using links in emails, please note that links to third=E2=80=91p=
arty websites are provided for information only, and we’re not respo=
nsible for their content or any issues that may arise. This email and any a=
ttachments were scanned for viruses before leaving our network. However, we=
can’t guarantee the security of this message or accept responsibili=
ty for any damage caused by a virus being passed on by a third party. We ma=
y monitor emails sent to and from this account.<br><strong style=3D""><br>A=
bout our partners</strong><br>App Store=C2=AE is a service mark of Apple In=
c., registered in the U.S. and other countries. Google Play=C2=AE is a trad=
emark of Google LLC. Mastercard=C2=AE and the circles design are trademarks=
of Mastercard International Inc. <br><br><strong style=3D"">About us</str=
ong><br>The Virgin Atlantic Credit Card is issued by Nationwide Building So=
ciety (trading as Virgin Money). Authorised by the Prudential Regulation Au=
thority and regulated by the Financial Conduct Authority and the Prudential=
Regulation Authority, under registration number 106078. You can confirm ou=
r registration on the <a style=3D"color:#ffffff; text-decoration:underline;=
" target=3D"_blank" href=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh68c9=
504e,6964ee6,2372f8c">FCA Firm Checker</a> website. Head Office: Nationwide=
House, Pipers Way, Swindon, Wiltshire, SN38 1NW.
</p>
<!-- NATIONWIDE LEGALESE -->
<!-- NATIONWIDE LEGALESE //END -->
<p style=3D"margin:0; font-family:Arial,Helveti=
ca,sans-serif; font-size:0.9em; color:#ffffff; line-height:1.5em;">
VM35711V10.0
</p>
</td>
</tr>
</table>
<!-- //FOOTER -->
</div>
<!--[if mso]>
</td>
</tr>
</table>
<![endif]-->
</td>
</tr>
</table>
</div>
<img height=3D'0' width=3D'0' alt=3D'' src=3D'http://t.emails.virginmoney.c=
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