A Virgin Money PAYG card comes with all the Virgin benefits. The Virgin Money card looks just like the virgin credit card but with a twist, you can only spend what you load on to the card ensuring that you never get in to debt or overdrawn.

When you apply for a Virgin pay as you go MasterCard they have to verify your identity against the information you've given. If it is not possible to do a full ID check, Virgin will still send you a pay as you go card but at a reduced spending limit, with a maximum spend of £1,600 a year - up to £600 of this can be withdrawn from cash machines.

You can upgrade to a full account at any time but Virgin will need you to send documents to confirm you're ID.

With a Virgin pay as you go online account you can set up balance and top up alerts so you can see when your money is loaded or check your balance and online.

• Guaranteed Acceptance to get a Virgin pay as you go
• No credit checks
• No bank account required
• Bad credit history and bankrupt cases accepted
• Avoid expensive overdraft fees - Get a Virgin Money card and stay in control.