Virgin Money Holdings (UK) Limited, through its subsidiaries, provides retail banking products and services primarily in the United Kingdom. It offers current accounts; cash individual savings accounts (ISAs), fixed rate savings accounts, and children's accounts; first time buyer, buy-to-let, remortgaging, and moving home mortgages; balance and money transfer, purchase, and other credit cards, as well as money prepaid cards; life, pet, travel, and home insurance; and personal, children, and workplace pensions, as well as other pension and retirement products. The company also provides various investment solutions, including stocks and shares ISAs, unit trusts, and financial planning products; and international money transfers and travel money products. It serves its customers through various distribution channels, including online and mobile, postal, and telephony channels, as well as a network of stores and lounges. The company was incorporated in 1995 and is based in Newcastle upon Tyne, United Kingdom. Virgin Money Holdings (UK) Limited operates as a subsidiary of Clydesdale Bank PLC.