Bank accounts for every money maker, spender & saver

Virgin Money Go Account

Virgin Money Go Account

Bundled bank & save account

Your everyday transaction account with no monthly account keeping fees and everyday points-earning ability. Comes linked with a Boost Saver account.

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Virgin Money Boost Saver

Virgin Money Boost Saver

Bundled bank & save account

Our high-achieving, highest interest-earning savings account.34 Comes linked with a Go Account.

Apply now Learn more

Virgin Money Grow Saver account

Virgin Money Grow Saver

Standalone saving account

The ‘serious about savings’ account. All saving, no spending.

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Can’t decide?

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Your 5K Bonus Points bank-warming gift

If receiving gifts is your love language, you’re going to be very happy here. Open a new Virgin Money Go Account and linked Boost Saver and we’ll welcome you with 5,000 bonus Virgin Money Points. Simply make a minimum of one settled debit card purchase, direct debit or BPAY payment in the first 30 days.5

5K points = $20 gift voucher from one of our many retail partners, including JB HiFi, Amazon, Woolworths and Bunnings.

Offer ends 31/12/24. New customers only.

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Get to the points

Earn Virgin Money Points for spending, saving and sometimes just existing.



You’ll earn Virgin Money Points in so many ways with your Virgin Money Go Account.

Everyday spending

Earn 8 points for every eligible purchase, direct debit and BPAY payment you make.1

Partnering up

From crystals to kitty litter, earn Bonus Points when you shop with our retail partners.

Taking a vacay

Book your hotel stay via the Virgin Money app for a one-way trip to Bonus Points town.


We live to give, so don’t be surprised if you’re rewarded for reaching a milestone – or just because.



Get to the really fun part – spending those points on sweet, sweet rewards.


Convert a minimum of 500 points to money in your account.

Pay with points

Choose an eligible purchase, direct debit and BPAY payment (made in the last 90 days) to be paid for with the points equivalent to the purchase value.


Redeem points for flights with Virgin Airlines.38 Or transfer points to or travel program partners like Velocity Frequent Flyer.37


Gift points to other Virgin Money customers’ Rewards accounts or redeem points for gift cards.


We’ve literally put banking into your hands

Our banking app is half handheld Finance Bro and half cheerleader, encouraging you to build better money habits and save like a pro.

Spotlight on spending

Smart spending insights reveal where your dollars go and help you stay on budget.

Round Up to save up

Put saving on autopilot by switching on the Round Up feature6, which rounds every debit card transaction to the nearest dollar and deposits the difference into your Boost Saver account.

lock saver

Higher interest on lock

Enable the Lock Saver Feature on your Boost Saver or Grow Saver to earn an additional 0.30% p.a. interest.35 Perfect for long-term goals when you don't need immediate access to your money.

(Pssst. You’ll need to give us a 32 days’ heads up before you can access your funds once it’s enabled.)

Set up for savings success

Put saving on autopilot by switching on the Round Up feature6, which rounds every Go Account transaction up to the nearest dollar and deposits the difference into your Boost Saver or Grow Saver account.

Digital wallet > actual wallet

Set up your digital wallet in the Virgin Money app to pay with a tap of your compatible devices and wearables.

Pay people instantly

Found a garage sale bargain or owe a mate for dinner? With Pay ID and Osko it’s never been easier or faster to pay anyone on the spot.

Passed the vibe check? Open your new bank accounts online in minutes

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Learn more about our accounts

Virgin Money Go Account 

The everyday account that earns points for every purchase, direct debit and BPAY payment.1

Learn more

Virgin Money Grow Saver

The ‘serious about savings’ account.

Learn more

Virgin Money Boost Saver

Our high-achieving, highest interest-earning savings account when you switch on the Lock Saver Feature and meet our Monthly Criteria.34

Learn more

Rates and fees

See our account rates, limits and charges in detail.

Learn more


Who’s eligible for a Virgin Money bank account?

To apply for an account you must:
  • Be over 14 years of age
  • Be an Australian resident with an Australian residential address
  • Must have an Australian mobile number
  • Be the account holder and applying in your personal name(s) (the Account cannot be for a deceased estate, business, superannuation or trust and cannot be completed by an executor, administrator, attorney appointed under a power of attorney, or personal legal representative).
  • Have at least one form of valid ID such as an Australian driver's licence. If we are unable to identify you, your application will need to be completed at Australia Post

Want to chat?

Call us

For Go, Boost Saver or Grow Saver accounts you can call us on 13 81 51.

In-app chat
Profile > Help & Support > App support > Chat to us If we are not available right away or it’s after hours, we’ll respond as soon as we’re back on deck.
Operating hours
Monday to Friday: 8am – 8pm AEST Saturday: 9am – 5pm AEST


  • Can I open a Virgin Money bank account online?

    Absolutely! You can apply for a new transaction or savings bank account easily through the app, or join online – it just takes six simple steps and you’re done. If you’ve opened a Go transaction account, we’ll send you a Virgin Money Visa debit card in the mail, and you’re ready to start earning points towards epic rewards. 

  • What do you need to open a bank account?

    To open a new bank account with us you’ll need to be over 14 years of age, have an address in Australia, and send us at least one form of Australian ID – so we can confirm you are who you are. This could be something like your drivers’ licence or passport. Then you’re good to go.

    Join through the Virgin Money app, or open an account online

  • How do I open a joint bank account with Virgin Money?

    When you apply to open an account online or through the Virgin Money app, you can select if you’re apply for a joint account.  

    We’ll then send a message to the person you want to open an account with, and the account will be opened once they’ve provided their details, including identification details. We’ll let you know when your account is open and ready to go. 

  • Can I open a bank account without going into the bank?

    Yes! You can apply for a bank account either through the Virgin Money mobile app or website without ever having to go to a physical bank. You will need to download our app to manage your bank account.

  • What is Virgin Money Rewards?

    Virgin Money Rewards is our loyalty program designed with you in mind. Our goal is to recognise and reward you for who you are, and to help you create better money habits. It’s about giving you a rewarding banking experience every day, not just someday.