The Virgin Money Go Account is a fee-free everyday banking solution focused on rewarding users for their transactions and helping them manage their finances. Designed for personal banking needs, it allows account holders to earn Virgin Money Standard Points for every settled eligible purchase made via debit card, direct debit, or BPAY from the Go Account. New customers can receive 5,000 bonus points by meeting specific welcome offer criteria, such as making a qualifying transaction within the first 30 days. Points can be redeemed for cash back, used to pay for eligible purchases, exchanged for flights with Virgin Airlines, transferred to travel program partners like Velocity Frequent Flyer, or traded for gift cards from various retail partners including JB HiFi, Amazon, Woolworths, and Bunnings. Points can also be gifted to other Virgin Money customers’ rewards accounts.
The Go Account provides secure shopping through a Visa debit card, backed by Visa's Zero Liability Policy, which protects users from unauthorized charges. Users can accelerate their points earnings with a joint account, where points are shared evenly between account holders. The platform also features offers from retail partners for additional bonus points, and booking hotel stays via the Virgin Money app can yield further bonus rewards. Deposits are protected up to $250,000 per customer under the Australian Government's Financial Claims Scheme.
Account management is delivered through the Virgin Money app, which offers tools for tracking and categorizing spending, organizing finances, monitoring upcoming bills, and receiving real-time alerts to encourage good money habits. Users can open and manage accounts directly in the app, set up digital wallets for contactless payments using compatible devices and wearables, and make instant payments to others using Pay ID and Osko. The Round Up feature allows users to automate savings by rounding up transactions and depositing the difference into linked savings accounts such as Boost Saver or Grow Saver. The Go Account has no monthly account keeping fees, regardless of the number of accounts held.
This product is positioned as a personal finance solution for individuals seeking everyday banking with integrated rewards, digital account management, and tools to support saving and spending habits.
Everyday Banking is a Personal finance & budgeting product. It provides a fee-free everyday bank account with rewards and secure transactions. It is built as a consumer product for australian consumers seeking a digital bank account. Everyday Banking is free to use. The product ships for the web, iOS, Android, and macOS.
Virgin Money Australia builds and maintains Everyday Banking. PulseGate's similarity index finds few close equivalents — Everyday Banking occupies a relatively distinct niche. Key capabilities include bank account management, rewards points, and joint accounts.
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