Anytime, anywhere

View your Virgin Money transaction, saving, credit card and home loan accounts including extraordinary rewards, all in the one spot – wherever you are.

The Virgin Money banking app features everything you need to manage your everyday banking right in the palm of your hand.

Making money fitness fun

We’ll be your virtual cheer squad sending you clever insights and real-time alerts to your phone.

Pay instantly

Your friends will thank you when you pay them back instantly with Osko and PayID easily with the mobile app. You can also set up regular payments and pay your bills with BPAY. 

Ready, set, spend!

No need to wait to start spending on your Go Account. Start using your digital wallet straight away with Apple Pay7, Samsung Pay8 and Google Pay9.

Better money habits

Track your spending with even better insights into how you pay.  Automatically categorises you’re spending so you can get the insights without the work.

With our banking app, you can create spend tags, set budgets and see upcoming bills – all to help you manage your money better. 

Rewards3

Get red hot partner offers, check your points balance and points history, book hotels and use your points how you want - whenever you want.

Home loan on the go

Manage your Virgin Money Lite or Loaded home loan in the app. Update your repayment amount or frequency, track your property equity and account transactions with just a swipe.

In-app support

We’re never far away with our dedicated in-app customer service chat.

Spend Tracker

The app that gets your spending on track. Ready to build better money habits and have some fun along the way? Get money fit with Virgin Money. You won't even break a sweat.

 Track of your spending Keep track of your spending with auto spend categorisation. We’ll show you how much you spend on things like groceries, eating out, bills and more to help you understand more about your own spending preferences.
Set a budget Set yourself a spend budget so you start creating better money habits (maybe I'll make my lunch today?).
Your top 5 In the app, you’ll even get to see who you spend most with. We'll tell you the top 5 brands you spend with and how much you spend with them.
Tag your transactions Create tags for your purchases and get a richer view of where your money goes. You can even tag across all your Virgin Money transaction and savings accounts, including Joint Accounts, so you control your money.
This app remembers for you We’ll automatically categorise your regular bill payments over time so you know when they're coming up.
Did we miss a bill? Don’t worry, you can manually add any transaction as a bill so there'll be no more surprises.

You set the goal. We’ll help you get there.

The banking app that also doubles as a budgeting app? Whether you’re eyeing new wheels, a new house, getting hitched – whatever it is, we can help you dream big and save hard. We’ll help keep you on track to achieve those saving goals.

  • Lock and save Switch on the Lock Saver Feature on your Boost Saver34 or Grow Saver35 saving accounts and earn an additional 0.30% p.a. interest. It’s perfect for long-term goals when you don’t need immediate access to your money. 32 days' notice period applies.
  • Real insights in real time
    Smash your savings goals with clever insights and real-time alerts. We’ll even tell you when you’re tracking ahead or slipping behind your target to make sure you hit your goals in time.
  • Save your way
    Saving for a holiday and a house? With both our savings accounts, you’ll be able to open up to 9 accounts so you can keep track of each goal and see your progress for each.
  • Be a goal getter
    Create a personalised goal and we’ll tell you how much you need to save to reach your target. We’ll even help you set up a recurring payment from your Virgin Money Go Account to help you get there sooner.
  • Safe and secure
    Feel safe knowing your deposits are guaranteed up to $250,00022 per customer by the Australian Government’s Financial Claims Scheme.
A mobile phone showing how easy it is to save with round ups

Round up to save up

Boom! Instant savings.

Want to start saving but don’t want to think about it? Simply choose to Round up6 your Virgin Money Go Account purchases to the nearest dollar, and we’ll send the change straight into your linked Virgin Money savings account.

How it works: Round up means your $4.50 morning coffee will be charged as $5.00 in your Go Account, and that extra 50c will go straight into your preferred Virgin Money savings account.

Just like that, you’re saving like a pro.

A padlock symbolising your savings growing with the lock saver feature.

Lock Saver Feature

Pin down a higher interest rate when you lock your savings in. (Psst. You’ll need to give us a 32 days’ heads up before you can access your funds when it’s enabled.)

Learn about lock saver

A hand holding a mobile phone symbolising how easy it is to access your cards through your digital wallet

Ready, Set, Spend

Turn your phone into your wallet and use it almost anywhere you can tap your card. Simply add your Virgin Money debit card to your digital wallet and start tapping.

Learn about digital wallet

A house symbolising earning reward points when paying off your home loan

Virgin Money Home Loans

A Virgin Money home loan makes owning and investing in a property ultra rewarding. Earn Virgin Money Points every month just for repaying your home loan on time*.

Learn about home loans

FAQs

  • Do I need to pay for the Virgin Money app?

    Nope. You can download the app and apply for an account in minutes and you won’t pay a cent! We also have no monthly fees on our transaction or savings accounts. Because why should you? Explore our products here.

  • Is it safe to use a mobile banking app?

    Yes. Keeping your money and data secure is our number one priority. We’ve packed the app with security features, including fingerprint, face or iris recognition technology, so you can be confident your money is in safe hands.

    It’s easy to download, just like banking apps should be. You can download it for free from Google Play or the App Store. After you’ve downloaded it to your device, applied for your preferred account and completed your profile, you’re on your way. 

  • Who can use the Virgin Money app?

    The Virgin Money banking app is available for our everyday transaction account, savings account (excluding Virgin Saver customers) credit card and Lite or Loaded home loan customers. If you hold one of our other products you will continue to be serviced as you are now.

    Have a RewardMe home loan? The RewardMe home loan is no longer offered for new applications. Existing customers can view interest rates and find support here.

  • What is a spending tracker?

    A spending tracker does exactly what it says on the tin: it is a way to help you understand your spending habits. Think of it like your personal budget planner helping you know where every dollar you earn is going so you can stay on top of your bills and expenses. It’s our way of helping you create better money habits so you can concentrate on what’s important to you - smashing your savings goals.

    Our spend tracker helps you both plan for and keep an eye on how much you’re spending each month in different areas. By either:

    • Automatic categorisation – Our mobile app will sort all your transactions for you into categories. You can also categorise your transactions if you would like to.
    • Tags – If you want to dig a little deeper into your spending habits, you can add personal tags to particular transactions to see how much you spend on coffee, new clothes, or going out for dinner.
    • Top brands – keep track of the top brands you’re spending at over multiple months and set spending budgets.

    Visit our support page to find out how.

  • How does the Virgin Money app help me reach my savings goals sooner?

    We're glad you asked. Whether you’re saving for a house, saving for a trip or perhaps a new car, we’re here to help. Think of us as your own budgeting and saving superhero.

    If you have one of our high interest savings accounts, not only can you access up to 9 savings accounts, our mobile banking app is so clever that it'll send you personalised insights and real-time alerts. This is to let you know if you’re keeping to your goals, whether you're on track or perhaps falling behind. With Virgin Money, you’ll be a savings hero in no time.

  • How do I turn on Round ups in the app?

    It’s easy as. Just head to Accounts section in the app, click into your Virgin Money Go Account and switch on the Round Ups toggle. It’ll then automatically send all your change into your savings account.

Want to chat?

Headset symbolising speaking to the customer care team
Call us

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

Mobile phone symbolising sending a message via the app
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.
An alarm clock demonstrating the opening times of the contact centre
Operating hours
Monday to Friday: 8am – 8pm AEST
Saturday: 9am – 5pm AEST
Excluding public holidays