Want help managing your hard-earned bucks? Virgin Money’s interesting and informative articles give you smart and relevant ideas to make sure that you get ahead financially.


Spot: How to keep friends & make rainbows. A story.

Real friendship is forged in the discotheque of life where one friend, who always wears fancy shoes, is forever forgetting their wallet at home, in an Uber, at the folk’s place, in an alien spaceship.


But they’re friends with good humans. Smart humans. Humans with less fancy shoes & fee-free apps like Spot, which lets them send cash to their wallet-less friend like a ninja sending a text. Because that’s all it takes. A mobile number.
The fancy-shoed friend wastes no time using Spot to shop & earn up to 5% cash back. And what about their cash-clever companion?
They don’t twiddle their thumbs waiting for pigs to fly before their friend pays them back. No. Instead, they use the power of Spot to send a cash request.
And at the click of the “accept” button, the borrowed cash magically disappears out of one Spot Wallet, reappearing at the speed of light into another. No awkward moments. No transaction fees. No lost friendships. And that’s how rainbows are made.

Spot: discover how your linked card helps you cash in on perks

Send cash for free. Save on fees. Get cash back when you spend. 

Adulting isn’t always a confetti-coloured daydream. But it can be less 😬 and more 😃. Play it clever. Link your bank card to your Spot Wallet to enjoy a bunch of benefits that’ll help keep more of your hard-earned cash where you can enjoy it, in your wallet, not someone else’s.



Save on transaction fees. Link your card to top-up your Spot Wallet & enjoy stress-free spending with our fee-free app. No account fees. No card fees. No EFT fees. You get it.



Three buttons are all it takes to top-up your Spot Wallet. Once you’ve linked your online-shopping enabled credit or cheque card, hit ‘Top-Up Wallet’, enter the amount & your secret PIN. 



Need to Spot a friend cash? Need someone to Spot you? With the app, it’s fast, free & as easy as sending a text. No waiting ‘up to two working days’ for the cash to clear. Out one Spot Wallet. Into another. Instantly. 



Every time you spend you earn cash back. But that’s not all. Every time you top-up your Spot Wallet from your linked card, you contribute towards your bank’s rewards programme. Wink. Wink 😉.



We work with a trusted payment partner & all your payments are 3D-secured, so spend assured the only way anyone can get their hands on your cash is if they have your mobile & your PIN.

Money Talks: Chats every couple should have

Talking about money with your person is one of those conversations that can go downhill, crash, burn and make things awkward. Quickly. But it doesn’t have to go that way. Not sure where to start? Here are some Qs for thought…


Is your partner a big spender or a penny pincher? Neither is wrong, but if you’re complete opposites and you share costs, well, this could become a problem. Nip it in the bud by having a look at how you both spend by answering these questions. Remember to keep it fun and easy-breezy.

1. When we go out, what do you suggest as 3 activities?
2. What are the top 5 things you spend your money on?
3. If you got a briefcase of cash, how much would need to be in it for you to stop working for money?


Saving is one of those strange topics. There’s stashing cash for a short-term goal or investing for the future you. When chatting to your boo about this, find out how they feel about saving, what they’ve invested in and why. Not only will you get to know your partner better but you may learn a thing or two about investing. Now, when it comes to saving money together, read this.


Being open and honest about money goals is important. You both need to be realistic. Think about it. Your partner might have a low-paying job, but it makes them happier than a kid with an ice-cream. Chat about your 5-year and 10-year plans so that you’re both on the same page with where you want to be one day. And if making mo’ money is important to you both, maybe think about increasing your ka’ching with a side gig.

Make mo’ money: The magic of the side gig

Let’s get real. From international trade wars to the simple fact that stuff is getting silly expensive while our salaries remain the same, it’s easy to feel the financial squeeze. But when times get tough, the tough get a side gig.

Get paid for your passion

This ain’t your typical 9 til 5. Your passion is something you love doing like drawing, baking or breakdancing. And it’s by sharing your side hustle with the world that’ll help you earn extra cash. The internet is bursting with success stories of people (like Sophia Amoruso) who turned their hobbies into a whole lot of zeros. Google it.


Spend your time teaching

If you fancy yourself a good teacher, get paid for it. Check out Tuta-me or Turtlejar tutors. These pretty cool platforms make it easy to find tutoring jobs. Better still, you can teach virtually or one-on-one.


Become a know-it-all

If you’re all kinds of crazy about your country, use it to become a tour guide. You can become an SA Specialist or a South African Travel expert through South African Tourism. And the best part? The courses are free! So, take a dive into our rich culture, heritage, and history and you could earn a pretty penny from it too.

Let’s talk charity: you’ll never become poor by giving. You’ll become richer

We recently celebrated Mandela’s birthday by spending 67 minutes of our time giving back. Can you remember how good you felt? Now imagine how blow-your-mind-amazing you’ll feel if you made helping people, animals, the planet your hobby. Sure, it’s easy to toss 5 bucks to the guy watching your car and think that’s charity, but giving back isn’t about giving away cash and stuff. Why? Because your time and effort are the greatest gifts you can give.

Pay it forward

Maybe you’re great with kids. So why not get involved at Hotel Hope? Maybe organisation is your thing. Then volunteering at The Homestead would be great. Take your skills, your passions – whatever you’ve learnt in life, and use them to help others. Charity is often confused with spending cash. And yeah, you can if you want to, but there are other ways you can give too. All it takes is a few hours a month to make a world of a difference in someone’s life.


Be the change

As a business that deals with dough, we often talk about saving. When you save, you’re growing something, but saving and growing isn’t limited to money (and trees). By getting behind NGOs that help communities, like Gift of the Givers, you’re helping to grow a better future for everyone. It takes time and constant compassion to see the effects of giving back, but as Tata once said, “It is in your hands, to make a better world for all who live in it.”


Invest your time

A couple of weeks ago, our team cleaned up an orphanage. We left dirty and tired, but with larger-than-life smiles. Afterwards, we all felt this overwhelming wave to keep helping and we realised the importance of keeping that spark alive. Nurture it, give of yourself and leave a lasting impact.

Money Goals: Yay for goals you’ll want to keep

It may be halfway through the year, but there’s still time to get your resolutions back on track. Never made any resolutions? No sweat, you can start now. And to help you make goals you’ll stick to, we’ve put together a little list.

Save up for a happy day

You’ve heard it before: set some money aside for a rainy day, but what about saving up for a sunny day instead? It’s much easier to put cash aside when you have something exciting to save up for. It could be a weekend away, those killer heels you’ve been eyeing or December vacay money. Once you’ve nailed being able to save for the fun stuff, stashing cash for the serious stuff is easy. You know, just in case.


Become a smart spender

Telling you not to spend your money is just silly. You’ve gotta eat don’t you? 😉 The trick is to get a little something back when you spend. Use your credit card at rewards partners or swipe your loyalty card. Go crazy. Try to spend at places where you’ll get the best bang for your buck. Use Virgin Money Spot to pay at stores and you’ll get cash back with every purchase.


Get onboard with a side hustle

What’s a side hustle? Glad you asked. You’ve got your normal 9-5 job, but your side hustle is something extra you do to make a bit more money. It seems to be the new buzz-word and millennials have learnt how to make it work for them. It’s easy enough. Find something you love, or you’re good at, and get people to pay you for it.

Love cooking? Sell ready-made dinners.

Secret hoarder? Sell your stuff online.

Love animals? Become a dog walker.


Got it? Good.

Millennials & their money: Hustlers or hopeless?

Yeah, we know what people say about millennials. They’re job-hopping, thrill-seeking, woke individuals that like to use “AF” at the end of every sentence. And when it comes to money, they’re accused of over-spending and under-saving. Well, there’s more to this generation than selfies and Insta-speak and how they handle their money is just the beginning.

they spend on…

Experience and self-improvement. Millennials are given a hard time when it comes to their money-management. Boo. In reality, they’re more careful with their cash than their parents were. So on-the-fly shopping isn’t really a thing any more.


they save on…

Travel and Education. Holidays and studies don’t pay for themselves. There’s planning and sacrificing that makes these dreams a reality. So yes, millennials def save, just not for the same things that their parents did. Buying a house and settling down isn’t at the top of the list but, hey, there’s time for that later.


they earn by…

Working and side-hustling. Gone are the days of having one job for a lifetime. Even working one job at a time is so last century. To go places today, you need to innovate. Just think about the billion-dollar world of influencer marketing. No one knows how to juggle jobs like Millennials – simply scroll through Insta and see the brilliance of the side hustle coming to life. Check out @hermaninthehood.


so, friends, what can we learn from millennials? lots, like:

• Become a smart spender. Fill your life with great memories and good times with great people. Forget filling your life with clutter that ends up in a box in the garage.

• Save for the things that’ll take you places, literally, like education and travel.

• Embrace the side hustle. Take your hobbies and passions and turn them into a job – it’s the Millennial thing to do after all.

Public holidays are cool, but what do they really cost you?

We all love public holidays – time with family and friends, sleeping in, doing a whole bunch of wonderful nothing… But as amazing as they are, public holidays can cost you time and money. Crazy, right?! Lucky for you, we’ve got some fixes to help you skip the post-holiday slump.

avoid the spending trap

Think about your day at work. You’re at your desk, deadlines are keeping you on your toes and out of your pockets (unless you’re online shopping, of course.) When it comes to public holidays, you suddenly have time to spare and need things to do. So, your banana-on-the-go breakfast becomes a lovely long brunch out. Your quick grocery shop becomes a shopping spree.
Our fix: Budget. Yes, we said the B-word. Deal with it 😉 Work out how much you’re willing to spend and stick to it. Yes, it may be tough, you might get tempted, but you’ll thank yourself, and us, later.


make a long weekend of it

What public holidays are the best? Any one that’s on a Friday or Monday. Why? Because you can head out of town for a bit of a breather. But before you pack your bags for a last-minute mission, check the price tag. A badly planned road trip can easily trip up your cash flow.
Our fix: It may feel like a hassle. Your friends will laugh. But booking your getaways at the beginning of the year will help you get the best bang for your buck… and then you’ll be the ones laughing.

do not let time run away from you

Just because it’s a public holiday, it doesn’t mean your work will magically get done for you. And nothing ruins a holiday like having to work or stressing about work.
Our fix: Leading up to a public holiday, manage your time and your workload so there’s no desperate dash to get things done. Yep, you may have to put in a little more effort, but if it means your time off is totally stress-free, it’s a no-brainer.

Virgin SA unites to help communities affected by heavy rains

Virgin SA companies are providing immediate relief to those affected by heavy rains in KZN and the Eastern Cape and the cyclones in Mozambique. Combined, these disasters have claimed well over 1000 lives, caused serious injuries and illnesses and many people are missing or displaced. We’ve partnered with Gift of the Givers to support these communities. We need your help to make a difference!

cash donations

You can make a cash donation through the Virgin Money Spot app. It couldn’t be easier to use. If you don’t have Virgin Money Spot installed on your phone, you can download it here. Once you have registered on the app and linked your bank account or 3D secure bank card, you’re all set to donate to Gift of the Givers.

1. Click on the red “spot” button inside the app. 

2. Select “pay a contact”.

3. Enter in the cell phone number 0741859378.

4. Enter in how much you want to donate. 

5. Click “pay” to make your donation. 

physical donations

You can drop off any non-perishable food, clothes, blankets, hygiene items and first aid kits at the Virgin Mobile head office in Fourways, Johannesburg. Collection points for these items have also been set up at 115 Virgin Active clubs across South Africa. You can find out which Virgin Active clubs have collection points here.

more about Virgin SA contributions

Gift of the Givers will be distributing the donations made at Virgin Active clubs to those that have been affected by the heavy rains and cyclones in Southern Africa. The cash donations made to Gift of the Givers through Virgin Money Spot will further help to support these communities whose homes and possessions have been destroyed.

If you’d like to read more about the relief efforts, you can find out more here.


 Make a difference. Make a donation.

Using a personal loan to get the best bang for your buck

You may be at a stage where you’re searching for a way to get your hands on some extra cash. We’re sure that you’ve asked yourself whether you’ve got a good enough reason to take out a personal loan. Think about it this way – if taking out a loan means that you’re creating something for the future, it’s a good reason. You want your money to stretch far and wide and not just help for the here and now. To help you out, we’ve put together our top 4 reasons to get a personal loan that will set you up for the future.


Pave the way with a good education


Imagine the possibilities that’ll come from a good education. You can give your kids a start in life by making sure that they get the best education possible. Paying for school fees may seem like a “now” thing but think about the long term.

Your kids will have the tools to go on and get their own jobs and provide for their families – all because you helped them take those first steps. A personal loan can help you make these dreams a reality. 


Create your perfect home


Creating your ideal home can take time and it’ll come with some frustrations. Maybe you need to create more space for playtime? Or you need more room for a new family member on the way? Or maybe you just need to do some fixes around the house?

Whatever you need, a personal loan can help you finance your home improvements. Your home should be your castle, so why not make it just that?


See yourself in that dream car


There is nothing quite like a new car smell. Getting a car can also mean a big shift in your life. You may have landed that first job and now you need a car to get around. Or you may need a bigger car for your growing family.

A car is with you on some of your greatest adventures and with the help of a personal loan, you can finally get the car that you’ve been eyeing.


Setup your next chapter


Starting a new chapter can be a bit daunting – you’ve got so many things to think about. How are you going to setup your new life together? Are you going to move into a new place? Do you want kids and where will they go to school?

With so many things to think about, you can rest assured knowing that it can all be covered. It’s not about the personal loan, it’s about the life that it helps you create


You can do all this and so much more with the help of a personal loan. You can start to create your future today and watch your dreams become a reality.