Part of our Virgin Money — Complete Guide 2026 hub.
Virgin Money’s standard daily ATM withdrawal limit is £300 — in line with most UK high-street banks. 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 | £300 |
| UK ATM fee | Free |
| Overseas ATM fee | 2.99% of amount withdrawn |
| Limit reset | Midnight (UK time) each day |
| Limit adjustment | Via Virgin Money app or phone |
How Virgin Money’s ATM Limit Compares
| Bank | Standard Daily ATM Limit |
|---|---|
| Lloyds Bank | £500 |
| NatWest | £300 |
| HSBC | £300 |
| Santander | £300 |
| Virgin Money | £300 |
| Barclays | £300 |
Lloyds Bank stands out with a £500 standard limit. All other major high-street banks, including Virgin Money, sit at £300. Most will allow a temporary increase if you contact them in advance.
Overseas ATM Withdrawals with Virgin Money
Using your Virgin Money debit card at an overseas ATM costs 2.99% of each transaction, with no fixed charge cap. This fee applies to all countries outside the UK.
Example: Withdrawing €200 abroad (approximately £170 at current rates) would cost around £5.10 in Virgin Money fees — before any local ATM operator surcharges.
If you travel regularly, the costs accumulate quickly. Alternatives worth considering:
- 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
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
- Adjust the daily ATM limit and confirm
Via telephone banking:
- Call 0800 678 3654 (freephone)
- Pass security verification
- Request a temporary or permanent limit adjustment
Virgin Money may apply a maximum ceiling. For large planned cash withdrawals (such as buying a car privately), consider a branch visit or using a bank transfer instead.
Getting More Cash Than Your Limit Allows
If £300 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.
- 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 straightforward for amounts up to £600.
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:
- Request a temporary limit increase via the Virgin Money app or by calling 0800 678 3654 — some accounts support a one-off uplift, particularly for travel
- 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 for a temporary limit increase.
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 up to £85,000 are protected per person.