The app that gets your spending on track

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. 

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.

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

We'll even tell you the top 5 brands you spend with.


Plus, we’ll help you stay on top of your bills

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.

Like the idea of a rewarding everyday bank account?

Check out these products or compare our accounts.


Still have some questions? Let’s see if we can answer them for you now.

  • 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.

  • How does spend tracker work?

    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.
  • How do I track specific expenses?

    With the Virgin Money spend tracker, you can see where you're spending on things that are important for you, through categories or personally tag individual transactions. Whether it’s grabbing brunch, your daily coffee or drinks with mates, add a tag and then at the end of the week or month, you can go in to see exactly how much you’ve spent.

    To add a tag, simply head to your transaction summary > click on the transaction you want to tag > click 'add tag' name.

    When you want see how much you’re spending, simply click into the tag and it’ll bring up all your transactions and how much you’ve spent. It’s like your own personal budget tracker.

  • How do I set up a spend budget?

    If you notice you’re spending too much on eating out, online flash sales, or anything else really, set yourself a challenge to reduce your spending. Just head to the category you want to set yourself a personal budget for, and click ‘add budget’.

  • How do I manually track a bill?

    Super easy, just tap into the transaction on your Virgin Money Go Account, click ‘Track this bill’, and you’re done.