Updated September 28, 2026 · SumCue Editorial Team
Kogan.com vs Virgin Money
Kogan.com
Virgin Money
Higher score in this comparison
What sets them apart
| Compare | Kogan.comReviewSee alternativesSee alternatives | Virgin MoneyReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 21.99%Lower | 27.9% |
| Currency conversion fee | 3.4% | 0%Lower |
| Rewards type | Points | Cashback |
| Balance transfer intro period | 18 months | 21 monthsHigher |
| Balance transfer fee | 2%Lower | 2.95% |
| Perks | Complimentary Kogan First membership, 4 free additional cardholders, 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments, Apple Pay and Google Pay compatible, Zero Liability and FRAUDSHIELD fraud protection | Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases, Money transfer option, Virgin Money Cashback offers in the credit card app, 24/7 in app chat support with Redi, Virgin Money Rewards and Virgin Red offers |
| Annual fee | A$0 | Not confirmed |
| Rewards rate | 2 Kogan points per $1 on Kogan.com purchases, 1 point per $1 elsewhere; 1,000 points = $10 | Not confirmed |
| Credit needed | Good | Not confirmed |
Same on both: Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Virgin Money scores higher overall: 9.4 vs 9.1.
- Kogan.com is available in 2 more countries.
- APR is lower at Kogan.com: 21.99% vs 27.9%.
- Currency conversion fee is lower at Virgin Money: 0% vs 3.4%.
- Balance transfer fee is lower at Kogan.com: 2% vs 2.95%.
- Balance transfer intro period is higher at Virgin Money: 21 months vs 18 months.
- Perks: only Kogan.com offers Complimentary Kogan First membership, 4 free additional cardholders, 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments.
- Perks: only Virgin Money offers Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases, Money transfer option.
- Features: only Kogan.com offers Rewards.
- Features: only Virgin Money offers Travel.
Our verdict on each
Kogan.com
Kogan.com suits Australian households who want personal insurance and a rewards card handled in one place, and holding the card costs nothing. The catch is the interest rate: the Kogan Money card charges an APR of 21.99%, against a site median of 15.5% across cards.
Virgin Money
Virgin Money suits UK households wanting everyday spending, travel money and card clearing under a single roof. It wins on running costs: the current account charges £0 a month and converts currency for 0%, while the credit card side is the weak point at 27.9% representative APR.
Score breakdown
| Area | Kogan.com | Virgin Money |
|---|---|---|
| Cost | Not confirmed | 9.4Holding costs nothing: £0 a month and 0% to convert, while borrowing on the credit card runs at 27.9%. |
| Offer | 9.6Higher | 9.4 |
| Trust | 8.8 | Not confirmed |
Spending 1,000 abroad
Kogan.com
34
3.4% of 1,000
Virgin Money
0
0% of 1,000
Virgin Money comes out 34 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Which one suits you
Pick Kogan.com if apr and balance transfer fee matter most.
Pick Virgin Money if currency conversion fee and balance transfer intro period matter most.
Availability and regulation
| Country | Kogan.com | Virgin Money |
|---|---|---|
| United Kingdom | Not confirmed |
Additional countries for Kogan.com: 3. Additional countries for Virgin Money: 1.
How they place
| Ranking | Kogan.com | Virgin Money |
|---|---|---|
| Credit and debit cards | 410 of 1594 | 199 of 1594 |
| Balance transfer cards | 14 of 32 | 5 of 32 |
Every fact side by side
| Fact | Kogan.com | Virgin Money |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards | Travel |
| Legal entity | Kogan.com Ltd | Nationwide Building Society (trading as Virgin Money) |
| Headquarters | Australia | United Kingdom |
| Founded | 2006 | Not confirmed |
| Support channels | Not confirmed | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Kogan.com | Virgin Money | Median |
|---|---|---|---|
| Annual fee | A$0at the median | Not confirmed | A$0 |
| APR | 21.99%highest quarter | 27.9%highest quarter | 11.635% |
| Currency conversion fee | 3.4%highest quarter | 0%below the median | 1% |
| Balance transfer intro period | 18 monthsabove the median | 21 monthshighest quarter | 12 months |
| Balance transfer fee | 2%below the median | 2.95%below the median | 3% |
Median across 486 listed providers.
Pros and cons
Kogan.com
Pros
- The annual fee on the card is AUD 0 and the model is no annual fee.
- Cover spans auto, home and landlord, with Kogan.com acting as broker.
- Complimentary Kogan First membership, 4 free additional cardholders and 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments adds complimentary Kogan First membership, free additional cardholders and a promotional instalment rate on Kogan.com purchases.
Cons
- The APR of 21.99% sits well above the site median of 15.5% across cards.
- Balance transfers cost 2% each, and the promotional window runs 18.
- Currency conversion on overseas spend is 3.4%, at the high end of the card range.
Virgin Money
Pros
- Keeping the current account costs £0 a month, so there is no standing charge to offset against the balance.
- The account's card converts currency for 0%, against a conversion fee of 0.1% at Wise.
- Help is reachable on phone, email and help centre, which includes a phone line as well as email and a help centre.
Cons
- Anything carried or bought on the credit card outside an interest free period costs 27.9% representative APR, well above the 15.5% APR most cards in this comparison sit at.
- A fee of 2.95% applies to a balance transfer, so the interest free offer is not a straight move between lenders.
- Account queries run on phone, email and help centre, while the round the clock in-app chat with Redi listed under Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option belongs to the credit card, not the current account.
Who each suits
Kogan.com
Who it suits
- Anyone who wants auto, home and landlord arranged through one place rather than separate providers.
- People already shopping Kogan, since the points are weighted towards Kogan.com purchases.
- Card holders who clear the balance each month, as the annual fee is AUD 0 but the rate is 21.99%.
Who should look elsewhere
- Linxea, if you want life cover arranged on its own rather than through a broker.
- Oney Préstamos ES, if health, life and gadget cover, per health, life and gadget, matter more to you than auto and home.
- Euroasia Insurance, if you need only auto, home, travel and gadget policies, per auto, home and travel.
Virgin Money
Who it suits
- Households that spend or travel abroad: the account's card converts currency for 0% where Wise lists 0.1%.
- Readers clearing old card balances, who can move them onto 21 months of interest free balance transfers for a fee of 2.95% instead of a secured card such as Varo Believe Secured Credit Card.
- Customers who want a building society behind the brand: Nationwide Building Society (trading as Virgin Money) holds a Prudential Regulation Authority licence in the United Kingdom, 106078, and help runs on phone, email and help centre.
Who should look elsewhere
- Anyone after a euro account rather than a UK one: bunq's monthly fee is €0, and Virgin Money's operation sits in the United Kingdom.
- Readers who will not carry a balance at 27.9% representative APR or pay 2.95% to move one, who would do better on a secured card such as Varo Believe Secured Credit Card.
Country by country
| Country | Kogan.com | Virgin Money |
|---|---|---|
| Australia | Yes | No |
| New Zealand | Yes | No |
| United Kingdom | No | Yes |
| United States | Yes | No |
Questions about each
Kogan.com
Does the Kogan Money card have an annual fee?+
Nothing to pay for the card itself. The annual fee is AUD 0 and no annual fee is the model, so there is no yearly charge for holding it. What you do pay for is interest on a carried balance, plus any fee attached to a balance transfer.
What interest rate do I pay on the Kogan Money card?+
The APR is 21.99%, which sits above the site median of 15.5% across cards. That rate applies to anything carried from statement to statement, so the card only pays off if you clear the balance each month. The balance transfer offer runs for 18 at a fee of 2%.
Virgin Money
What does the Virgin Money current account cost each month?+
The monthly fee is £0, so holding the account and using its card adds nothing to regular outgoings. That sits alongside 0% to convert currency on the account's card, the second figure most readers check. The account ranks 1 of 422 brands on the monthly fee measure on this site.
Does the card cost anything when I spend in another currency?+
The currency conversion charge on the account's card is 0%, and that is the figure that decides whether spending abroad is cheap to run. Wise lists a conversion fee of 0.1%, and most cards here convert at a percentage, so the gap matters for regular travellers. Virgin Money ranks 1 of 258 brands on this measure.
Other options to compare
Other matchups
Kogan.com
Virgin Money