What interest rate does the Virgin Money M Saver pay?

The Virgin Money M Saver pays 1.75% AER variable.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £175 at 1.75% AER. This assumes the rate stays the same and interest stays in the account.

Who can open this account?

New and existing Virgin Money customers can open it. You can open it in branch or by phone.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

How does it compare with other easy access accounts?

At 1.75% AER it ranks 146th of 194 easy access accounts we track. The best pays 5.50% and the average is 2.86%.

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Easy Access

Virgin Money M Saver Review

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

Rate checked Oct 2026Got this account? Leave a review

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

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 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.

2 alternatives to Virgin Money's M Saver3 alternatives to Virgin Money's M Saver

Same type of account, closest on rate.

Common questions about the M Saver

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4.20% AER

4.75%

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Virgin Money M Saver Review

Rate Tiers

How It Stacks Up

A Good Fit For

Worth Weighing Up

Estimated returns with Virgin Money's Easy Access

2 alternatives to Virgin Money's M Saver3 alternatives to Virgin Money's M Saver

Common questions about the M Saver

What interest rate does the Virgin Money M Saver pay?

How much interest could I earn?

Can I withdraw my money?

When is interest paid?

Who can open this account?

Is my money protected?

How does it compare with other easy access accounts?

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