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Footnote 1. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year.

Footnote 2. Credit is available, subject to status, only to UK residents aged 18 or over. You can take up this offer if you have one of these Virgin Money Current Accounts: M Current Account, M Plus Current Account, Club M Current Account, Private Current Account, Current Account Tracker or Current Account Control. You can still take up the offer if you already have a Virgin Money Credit Card, unless it’s the Virgin Atlantic Reward Credit Card. This offer is available on an ongoing basis until we withdraw it. You must apply for our Virgin Atlantic Reward Credit Card. You’ll need to do this by either using the link from the email we send you or using the link available in our Current Account app. If you follow these terms and we accept your application for the Card, we’ll give you 5,000 bonus Virgin Points. All you need to do is make a purchase using your new Card within the first 90 days. There’s no minimum spend requirements. Full offer terms can be found here.

Footnote 3. The tax-free rate is the contractual rate of interest payable where interest is exempt from income tax.

Footnote 4. Interest rate of 2.02% AER (2.00% gross per annum variable) interest rate, paid monthly, on your M Plus Account balance up to £1,000. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year.

Footnote 5. Interest rate of 2.50% AER (2.48% gross per annum variable) on savings balances up to £25,000, and 2.00% AER (1.99% gross) on any balances above £25,000. Interest paid quarterly. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year.