Virgin Money savings: Double Take, fixed ISA and M Plus Saver
Important: This guide provides general information, not personalised financial advice. Financial products, rates and eligibility rules can change, so check the provider’s current terms before applying. You can check a firm’s details on the FCA Register.
FSCS protects eligible deposits up to £120,000 per person, per authorised institution.
Quick answer
Virgin Money’s Double Take E-Saver paid 4.16% AER variable and the Double Take E-ISA 4.15% AER variable, as of 4 October 2026, but both allow only two withdrawals per calendar year. The 1 Year Fixed Rate Cash E-ISA paid 4.77% AER fixed until 24 October 2027.
Current account customers can also get the M Access ISA (3.25% AER variable, withdraw any time) and the M Plus Saver.
Who it’s for
- Savers who rarely need to withdraw and can live with two withdrawals a year
- ISA savers wanting a one-year fix
- Virgin Money current account customers wanting an easy-access ISA
Who should skip it
These are general points to weigh up, not advice. You may want to look elsewhere if:
- You need regular access — Double Take limits withdrawals
- You might need your fixed ISA money early — there’s a charge equal to 60 days’ interest
Virgin Money savings rates
| Account | Rate | Access |
|---|---|---|
| Double Take E-Saver | 4.16% AER variable | Two withdrawals per calendar year; max balance £250,000 |
| Double Take E-ISA | 4.15% AER variable, tax-free | Two withdrawals per calendar year; transfers in accepted |
| 1 Year Fixed Rate Cash E-ISA | 4.77% AER fixed to 24 October 2027 | Pay in within 30 days; withdrawal charge of 60 days’ interest |
| M Access ISA (exclusive) | 3.25% AER variable | Withdraw any time; needs an eligible current account |
| M Plus Saver | 1.75% AER up to £25,000; 1.25% AER above | Linked to M Plus; withdraw any time |
Figures as of 4 October 2026, taken from the provider’s own website. Rates and fees can change.
Full explanation
Limited-access accounts often pay more than true easy access. Our easy access or fixed rate guide explains the trade-off.
FSCS protection is shared with Nationwide, so add up what you hold with both.
The catch
On the Double Take E-Saver, once you’ve made a second withdrawal, no more are allowed until the next calendar year. On the Double Take E-ISA, after the second withdrawal your option is full closure.
Check Virgin Money’s current savings rates.
These go straight to each provider’s own website. They aren’t referral links and we don’t earn from them.
FAQs
How many withdrawals can I make from Double Take?
Two per calendar year.
Can I transfer an ISA to Virgin Money?
Yes, the Double Take E-ISA and M Access ISA accept transfers in; the fixed E-ISA accepts them during the 30-day window.
Who can open the M Access ISA?
Holders of an M, M Plus or Club M current account. It isn’t open to Essential Current Account or Virgin Money Current Account holders.
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