Founded in 1995 and based in Newcastle, Virgin Money operates in the United Kingdom, Australia, and South Africa. The company's strategy focuses on strong growth, maintaining a high-quality balance sheet, and delivering returns to shareholders through capital growth and progressive dividend payments. With annual revenues of $3.78 billion and a net profit of $0.51 billion in 2022, Virgin Money aims to provide effective competition to large incumbent banks by offering a comprehensive suite of financial services to its clients.