¹ Velocity Points offer is provided to new Virgin Saver account holders who open an account 01 August 2012 – 30 June 2013, supply a valid Velocity membership number in their own name at the time of application and activate their account (by depositing any amount) within 1 month of account opening. We will give you 1,000 Velocity Points for every $10,000 deposited within 6 months of account opening and maintained in your Virgin Saver account for at least 6 months (i.e. $20,000 deposited and maintained for 6 months = 2,000 Points, $15,000 deposited and maintained for 6 months = 1,000 Points). We will only credit Points based on new amounts deposited and maintained for at least 6 months. Points earn eligibility ceases 6 months from account opening. Points are not earned on interest credited to the account. Points will only be credited once for each eligible $10,000. The Offer can only be used once per person and is not available to pre-existing Virgin Saver Customers. This offer is valid until 30 June 2013 and is subject to change without notice at the discretion of Virgin Money. Points will be credited to the Virgin Saver Account holder’s Velocity Account up to 60 days after the 6 month qualifying period. This offer is not redeemable for cash, is non-transferrable and can’t be used in conjunction with other Virgin Saver promotions or offers. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, as amended from time to time.

²Rates are subject to change at any time. 4.00% variable ongoing rate applies to customers who take out a Virgin Saver product from 14 May 2012. For customers who opened a Virgin Saver product prior to 14 May 2012 a variable ongoing rate of 3.15% p.a. applies.

³ Total balances of $250,000 or less will automatically access (fee free) the Australian Government Guarantee under the Financial Claims Scheme. As Citibank issues the Virgin Saver and is the registered ADI under the Financial Claims Scheme, the sum of all balances held in Virgin Saver and any other Citibank accounts will be covered by the Australian Government Guarantee up to a maximum of $250,000 per person. For more information go to www.apra.gov.au or call 1300 55 88 49.

Terms & Conditions apply and are available by clicking here. As this is an online account we can only accept electronic deposits and cheques, and all withdrawals must be made to your nominated linked account. While there are no fees payable on your Virgin Saver Account whatsoever, fees may apply to your nominated linked account. Please check with the relevant financial institution where your nominated linked account is held. Any advice is of a general nature only. We haven’t taken into account your objectives, financial situation, or needs when preparing it. Before acting on this advice you should consider if it's appropriate for your situation. Details about our dispute resolution system can be found by clicking here.

Virgin Money (Australia) Pty Limited ABN 75 103 478 897 AR No 280884 promotes and distributes Virgin Saver as an Authorised Representative of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL No. 286869. Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098 (“Citibank”) is the issuer of Virgin Saver.

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