Zero fees
Safe and secure
Instant wallet to wallet payments
Split and pay bills effortlessly
Send money, get money instantly
Get The Latest VersionVirgin Active White

Loans from R80 000 to R250 000

Virgin Money in partnership with Capitec Bank offers you a personalised loan based on your need, affordability and credit profile.

apply now

why spot?

  • The social app that lets you set up groups and pay friends easily.

  • Instant wallet to wallet payments; no waiting for funds to clear

  • Pay at selected retailers using the app by simply scanning their “Pay with Spot” QR code

  • 0% transaction fees

  • You don’t have to be an existing Virgin Money customer, Spot works with any internet enabled South African Visa or Mastercard, and/or South African bank account.

  • Safe and secure payments to anyone anytime.

here’s how:

  • Download the app here

  • Register your details.

  • Link your internet enabled bank card or your bank account

  • Now you’re ready to pay your friends.

our product range

credit card

Don’t pay annual credit card fees.

Get the credit card that gives you the best benefits. Everyone wins.


Send cash to your friends directly from one bank account to another, using your linked card.

Simple. Safe. Social.

personal loans

Get an affordable and personalised loan
quickly and easily.

Use our simple online application process.

credit score

Get your free credit score from Virgin Money today.

Review your score, check your credit information and take back control.