Dreadful company, told to contact company as App not working, took four hours to get through, then told I didn't need to call as meant my password had not been entered correctly (the "contact company" note did not say this). I had originally applied for an account as I was fed up with my old bank and they were offering a case of free wine.....three months on i have yet to receive wine. My advice think carefully about switching to Virgin Money and if the wine is the incentive don't bother as you wont receive any and to chase up could take several hours. I suggest you stick with your existing bank unless of course you are with Virgin Money in which case move to another bank!!