Virgin Money Developer Portal

Open banking is a simple, secure way to help you move, manage and make more of your money.

Please refer to the Open Banking website for further details.

The developer portal is for software developers of Third Party Providers (TPPs) to provide the information needed to connect to our APIs

As part of acquisition of Virgin Money PLC by Clydesdale Bank PLC, the bank now operates under the Clydesdale Bank PLC Banking licence. This resulted in one OBL registration – Clydesdale Bank PLC.

We operate 2 separate sets of APIs:

1. Virgin Money Merged APIs support business credit cards and all current, savings and currency accounts with a sort code starting with '82' or '05' and a 10 digit numeric customer number.
2. Virgin Money Standalone APIs support personal credit card accounts and current and savings accounts with a sort code starting 08 and have a 7 digit alphanumeric customer number.

For a comprehensive list of products and account types available under each set of APIs, refer to the Accounts List document found at Virgin Money Open Banking Available Accounts.

The Merged and the Stand-alone APIs both have Virgin Money endpoints, each with a different logos to help customers distinguish between them:

Merged API - 'Virgin Money'

Support business credit cards and all current, savings and currency accounts with a sort code starting with '82' or '05' and a 10 digit numeric customer number.

Stand-Alone API - 'Virgin Money Credit Cards'

Support personal credit card accounts and current and savings accounts with a sort code starting 08 and have a 7 digit alphanumeric customer number.

Please contact us on OpenBankingResponse@virginmoney.com if you want more information on the logos to use for these APIs.

Please raise a ticket via the Open Banking Service Desk (Problem with an ASPSP > Clydesdale Bank) or email OpenBankingResponse@virginmoney.com.

We will respond to your email query during normal office hours, Monday to Friday 9am to 5pm.

To assist us, please include as much information as possible so we can attempt to replicate your issue including whether the issue is with our merged or standalone APIs.

For a comprehensive list of products available under each API refer to the Accounts List document found at Virgin Money Open Banking Available Accounts.

The following changes will take effect from 00:00 on 3rd April 2026, as detailed in the enclosed pack issued to the ecosystem on 17th December 2026:

• TPPs will need to change the Ord ID used when making requests from the Cyldesdale Bank Plc (Virgin Money) ID (0015800001041QVAAY) to the Nationwide Building Society ID (0015800000jf8aKAAQ).
• The idtoken returned by theOpenID Connect API and the x-jws-signature headers returned by the Payment Initiation API will change from the Clydesdale Bank Plc (Virgin Money) endpoint - https://keystore.openbanking.org.uk/0015800001041QVAAY/{{key-id}}.jwks to the Nationwide Building Society endpoint - https://keystore.openbanking.org.uk/0015800000jf8aKAAQ/{{key-id}}.jwks. If TPPs wish to verify the payload they will need to ensure they are looking at the correct JWKS endpoint.

There are no changes to the Virgin Money endpoints or urls for accounts accessed via the stand-alone or merged APIs.

TPPS will not have to re-register to continue to use the Virgin Money APIs and customers will not need to renew their consents.