Everyday Go Visa Debit Card

OUR HIGHEST INTEREST SAVINGS ACCOUNT

The Virgin Money Boost Saver (bundled with our everyday Go Account)

Up to 5.05% p.a.

When you meet the Monthly Criteria2

Up to 5.35% p.a.*

When you also switch on the Lock Saver Feature34

Apply now


Interest rates are variable and up to balances of $250,000. *32 days notice period & Monthly Criteria applies.

The perfect pair – a rewarding everyday transaction account bundled with our highest interest savings account.

No monthly fees
Enjoy zero monthly fees and no domestic ATM fees27 when you use your Virgin Money Go transaction account – no strings attached.
Instant access
Start using your new transaction account and debit card instantly with Apple Pay7, Google Pay9 and Samsung Pay8.
Points on your spend
Yes, that’s right! Enjoy 8 Virgin Money Points every time you spend1 – including paying your bills.
Up to 5.35% p.a.
On all your Virgin Money Boost Savers up to a combined total balance of $250,000 and when you switch on our new Lock Saver Feature - perfect for those long term goals34. Monthly Criteria, 32 days' notice period and T&C's apply.
 

Be rewarded with more than points

With Virgin Money, you’ll get a highly competitive transaction and savings account that’s smart, easy to use and built for you.

Lock Saver Feature

Lock your savings for an additional interest rate!
Here's how it works

House deposit? New car? Switch on the all-new Lock Saver Feature for those long-term savings goals when you don’t need immediate access to your money (32 day notice period applies) and earn additional interest.

 


Lock your account

Lock your account for an additional 0.30% p.a.

Lock your Virgin Money Boost Saver to earn an additional variable rate of 0.30% p.a. while the feature is switched on. This is on top of the bonus interest rate you get when you meet the Monthly Criteria. The additional interest rate is variable and may change34

Grow your savings

Continue to grow your savings

You can continue to deposit as much or as little as you like to help you smash you savings goals. Locking your account only restricts withdrawals or transfers.

32 days notice

Give us 32 days’ notice to access your money

If you need to access your money you’ll just need to give us 32 days’ notice. The 32 days automatically starts once you make a withdrawal or transfer from your locked account, or when you select to unlock your savings account. This can be done at any time within mobile app.

No minimum balance

No Minimum Balance

The best part about our new Lock Saver Feature is that everyone can enjoy it -  there’s no minimum balance required. So go ahead, lock and load today if you don't need immediate access to your funds! Your future self will thank you for it.

Smart Banking

Easily track and categorise your spending

Set up to 9 personal savings goals

Easily set and track your spend budgets

Pay your mates instantly with Pay ID and Osko

Save like a pro with Round Ups6

Stay on top with real-time alerts and clever insights

We’re always close by with in-app chat and an Australian call centre

Worldwide acceptance and secure online shopping with a Visa Debit card

5,000 reasons to join today!

We’re giving every new Go Account customer 5,000 Bonus Virgin Money Points5 to say thanks for joining!

Simply open an account and make at least one debit card purchase, direct debit or BPAY payment from your Go Account in your first 30 days (purchases must be settled, not pending). It’s that easy. T&Cs apply. Offer ends 31/07/24.

Get Go'ing today


Switch to a more rewarding bank

When you switch your banking to Virgin Money, you’ll get access to Virgin Money Rewards3. Earn points for booking your next hotel stay, shopping with a range of brands or for using your Visa debit card for everyday purchases. Once you get points, you can turn them into rewards you actually want, like cashback14, gift cards16 or use them to pay for purchases you've already made15. The choice is yours!

Earn a $200 Gift Card every year

See how switching to us could earn you points to redeem a $200 digital gift card each year

 Go transaction account activity

Annual Points

Use your card for day-to-day transactions (~20 purchases a month)

1,920

Order dinner 3 times a month with Menulog (min spend $30 per order)

19,200

Update your summer wardrobe by shopping at THE ICONIC ($300)

6,000

Buy pet food from PetCircle every 3 months

8,000

Refer a friend to open a Virgin Money Go & Boost Saver

5,000

Total

40,120

40,120 points is currently enough to redeem a $200 digital gift card – like the ones below

$200 Digital Gift Card
$200 Digital Gift Card
$200 Digital Gift Card
Offers from other brands

Boost your points balance with limited-time offers from a range of brands

Enjoy accelerated points offers from over 40 brands, exclusively in the Virgin Money app, so you can boost your points balance and get rewarded sooner.

Menulog
Up to 6,000 points per month*
Adore Beauty
2,600 points when you spend over $100
Jimmy Brings
14 points per $1 spent
THE ICONIC
20 points per $1 spent
Pet Circle
20 points per $1 spent

Correct as at 28 August 2023. Individual Offers are subject to separate Terms and Conditions which may change without notice.

*Menulog: You can earn up to 6,000 Virgin Money Points when you make 3 orders from 01/09/23 to 30/09/23. Min $30 spend applies per order. Offer capped at 3 orders per month. T&Cs apply.

 

Ready to get started?    Get Go'ing today


How do I activate a higher savings rate?

To earn bonus interest on your Virgin Money Boost Saver, simply meet the following criteria each month to activate your Bonus Interest benefit for the following month.

  • Monthly Criteria, Rates and Fees
    Age group Monthly Criteria
    14 – 17 years There are no Monthly Criteria requirements. You’re good to go.
    Over 18  years
    Deposit $1,000 or more from another financial institution (such as your salary) into your Virgin Money Go Account and make at least 5 purchases, direct debits or BPAY payments which settle in that month (not pending). 
    Rate type Interest Rate (p.a.)

    Highest Variable Interest Rate of
    5.35% p.a.

    This is made up of the variable Base rate of 0.05% p.a., Bonus rate of 5.00% p.a. and the Notice Interest Rate of 0.30% p.a.  

    Base Interest Rate

    0.05%

    Bonus Interest Rate and Monthly Criteria

    Additional variable interest rate earned on all your Boost Savers, up to a combined total balance of $250,000, in the same name as your Go Account when you meet the Monthly Criteria each month:

    • Deposit at least $1,000 into your Go Account from another financial institution.
    • Make at least 5 purchases on your Go Account that settled in that month (not pending).

    When the Monthly Criteria is met in a calendar month, the Bonus Interest rate will apply in the following calendar month.

    There are no Monthly Criteria requirements if you are under 18. 

    5.00%

    Notice Interest Rate

    Additional variable interest rate earned on a Boost Saver where the optional Lock Saver Feature is enabled.

    • Provide 32 days’ advance notice to unlock your account or withdraw your money.

    This feature may be suitable for savings you don’t need to immediate access to. For more information, go to our Lock Saver Feature website page.

    0.30%

    (optional)

    For more information on our limits, fees and charges please head to our rates and fees page.

    Meeting your monthly criteria could be as easy as getting your salary deposited, linking your Visa Debit card to your streaming account and using your card for your morning coffees, gym membership and phone bill.

    We know sometimes things don’t go to plan, so if you miss a month, don’t sweat! You’ll still enjoy a zero monthly fee transaction account and can unlock the bonus in the following month by simply meeting the above criteria.


    What are the fees?

    With no monthly fees, there's a whole lot of FREE going on!

    Everday transactions Fees

    Monthly account-keeping

    FREE

    ATMs in Australia

    FREE
    (a fee may be charged by third party ATM operators)

    BPAY Payments

    FREE

    Pay Someone

    FREE

    Direct Debit transactions

    FREE


Ready to bank to your own beat?

Grab your preferred government ID (like your driver’s licence)

Complete the application form

Add your new Virgin Money Visa debit card to your digital wallet so you can start spending straight away!

It’s that easy. What are you waiting for?

Get Go'ing today