Part of our Virgin Money — Complete Guide 2026 hub.
Virgin Money’s standard daily ATM withdrawal limit is £500, including up to £100 of cashback taken in shops. Here’s everything you need to know about cash withdrawal limits, overseas fees, and how to adjust your limit.
Virgin Money ATM Limits at a Glance
| Detail | Amount |
|---|---|
| Standard daily ATM limit | £500 (some card types are lower) |
| Cashback in shops | Included within the £500 daily limit, up to £100 |
| UK ATM fee | Free |
| Overseas ATM fee (charged by Virgin Money) | None — Virgin Money doesn’t charge its own fee for card use abroad |
| Limit reset | Midnight (UK time) each day |
| Limit adjustment | Speak to Virgin Money via app, phone, or branch |
Some card types carry a lower limit than the standard £500 — check yours in the Virgin Money app or via Virgin Money’s support site before relying on this figure for a large planned withdrawal.
How Virgin Money’s ATM Limit Compares
| Bank | Standard Daily ATM Limit |
|---|---|
| Lloyds Bank | £800 |
| Virgin Money | £500 |
| NatWest | £300 |
| HSBC | £300 |
| Santander | £300 |
| Barclays | £300 |
Figures for banks other than Virgin Money are as commonly reported and can change — confirm directly with each provider before relying on them. At £500, Virgin Money sits above NatWest, HSBC, Santander and Barclays, which are commonly reported at £300, but below Lloyds Bank, which raised its default limit to £800.
Overseas ATM Withdrawals with Virgin Money
Virgin Money does not charge its own fee for using your debit card to withdraw cash or make purchases abroad. Foreign currency transactions are converted at the Mastercard exchange rate on the day the transaction is processed, with no separate mark-up fee added by Virgin Money.
What can still cost you money abroad:
- The overseas ATM operator’s own fee — some cash machines abroad charge their own withdrawal fee (shown on screen before you confirm), which Virgin Money does not control and does not receive
- Dynamic currency conversion (DCC) — if an overseas machine or till offers to charge you in pounds instead of the local currency, always decline and pay in the local currency, as DCC exchange rates are usually poor
If you travel regularly, it’s still worth comparing against fee-free specialist cards:
- Starling Bank — no overseas ATM fees up to £300/day (0.5% above that)
- Chase UK — no foreign transaction fees at all, worldwide ATM withdrawals free
- Nationwide FlexPlus — fee-free overseas ATM use included with the packaged account, which costs £18/month
How to Change Your Virgin Money ATM Limit
Via the Virgin Money app:
- Sign in to the app
- Tap Manage card
- Select Spending limits or Card limits
- Check what options are available for your account and card type
Via telephone banking:
- Call 0800 678 3654 (freephone)
- Pass security verification
- Discuss your options for a larger cash withdrawal
Self-service limit increases are not available on every account type. For large planned cash withdrawals (such as buying a car privately), a branch counter withdrawal or a bank transfer is usually more reliable than trying to raise your ATM limit.
Getting More Cash Than Your Limit Allows
If £500 isn’t enough for a planned expense:
- Branch counter withdrawal — visit a Virgin Money branch with photo ID. Counter withdrawals can exceed the ATM daily limit.
- Cashback at supermarkets — many UK supermarkets offer free cashback of £50–£100 per transaction at the checkout (this typically draws on your card’s separate purchase limit, not the ATM cash limit).
- Bank transfer — for large purchases, a Faster Payments transfer is usually safer than large cash withdrawals anyway.
- Advance planning — your limit resets at midnight, so splitting across two days is an option for non-urgent amounts.
Card Security: Freezing Your Virgin Money Card
If your card is lost, stolen, or you spot unusual transactions:
- Freeze the card instantly in the Virgin Money app — tap Manage card → Freeze card
- Call 0800 678 3654 — select the fraud or lost/stolen option (24/7)
- Order a replacement card via the app or over the phone
Freezing is immediate and reversible. You can unfreeze from the app if you locate your card. Calling to report a lost or stolen card results in the card being cancelled and a new one issued.
What Happens if You Hit Your Daily ATM Limit?
If you have reached your daily Virgin Money withdrawal limit:
- Contact Virgin Money via the app or by calling 0800 678 3654 to discuss your options — availability of a temporary increase depends on your account type
- Use the card for payments instead — Visa card payments are not subject to the ATM withdrawal limit
- Visit a post office — Virgin Money current accounts can use Post Office branches for cash withdrawals, which may have separate daily limits from ATM withdrawals
- Spread across two days — the limit resets at midnight, so splitting the withdrawal is an option for non-urgent needs
For planned large cash withdrawals (e.g. for a holiday), contact Virgin Money in advance to discuss your options.
Fraud Protection and Card Freezing
Daily ATM limits serve as a fraud control layer. If your Virgin Money card is lost, stolen, or you notice suspicious transactions:
- Freeze your card immediately in the Virgin Money app
- Report fraud to Virgin Money on 0800 678 3654 (24 hours)
- A replacement card will be issued — usually within 5 working days
- Unauthorised transactions you did not knowingly enable must be refunded under the FCA’s Payment Services Regulations
Virgin Money is covered by the Financial Services Compensation Scheme (FSCS) — deposits are protected up to £120,000 per person (the FSCS limit rose from £85,000 to £120,000 on 1 December 2025). Note that following Virgin Money’s Part VII transfer into the Nationwide group (completed 2 April 2026), deposits held at Virgin Money and Nationwide are now added together and share a single £120,000 combined limit per person — they are no longer protected separately. If you hold savings at both, check the Virgin Money savings guide for details.