Easy Access

Virgin Money Club M Saver Review

An easy access account from Virgin Money. It ranks 146th of 194 easy access accounts we track.

Variable rate

1.75%AER

Needs a Virgin Money current account

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£0

Max balance

No limit

Access

Instant

Interest paid

Quarterly

Rate Tiers

Up to £25,000

1.75%AER

Over £25,000

1.25%AER

How It Stacks Up

Ranks 146th of 194

Easy access accounts we track

Well below average
This account 1.75%
UK CPI (Aug 2026)
3.10%
Pays 1.35% less
Average easy access
2.86%
Pays 1.11% less
Best easy access
5.50%
Pays 3.75% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 2.80% more than this Virgin Money account
  • Instant access, open with £10
Compare Easy Access Accounts

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A Good Fit For

  • Pro: Savers who want instant access

Worth Weighing Up

  • Con: The rate is variable, so it can go down
  • Con: You need a Virgin Money current account to open it

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Estimated returns with Virgin Money's Easy Access

What you could earn with Virgin Money's Club M Saver.

Estimated interest

£1,000 saved

£17.50

At 1.75% AER

£5,000 saved

£87.50

At 1.75% AER

£10,000 saved

£175

At 1.75% AER

£50,000 saved

£625

At 1.25% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Virgin Money Club M Saver

Jonny PeaseCo-Founder, DepositScout

The Club M Saver pays 1.75% on balances up to £25,000, dropping to 1.25% above that, and both tiers sit below market average - the best easy access rate is currently 5.00%, so you are 3.25% behind the leader. At 1.35% below August 2026 CPI of 3.1%, this account loses ground to inflation in real terms. The main restriction is that withdrawals must go to a Club M Account or other permitted accounts, so it is really only worth considering if you already bank with Virgin Money.

2 alternatives to Virgin Money's Club M Saver

Same type of account, closest on rate.

Common questions about the Club M Saver

D

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Easy Access rate just dropped

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Example Easy Access Saver Rate Down
4.20% AER
4.75%
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