---
title: Virgin Money Business Overdraft Rate & Real 30-Day Cost (August 2026)
description: Virgin Money Business charges −£252.40 in interest for 30 days overdrawn at £25,000 (13% representative EAR). See the full cost table and how it compares with all 7 business overdrafts we track.
image: https://overdrafts.com/brand/og/virgin-money-business.png
canonical: https://overdrafts.com/business/virgin-money/
updated: 2026-08-29
---

# Virgin Money Business overdraft: the real cost

Right in the middle of the board.

## What 30 days overdrawn costs

| Amount overdrawn | Interest over 30 days |
| --- | --- |
| £10,000 | −£100.96 |
| £25,000 | −£252.40 |
| £50,000 | −£504.80 |

13% EAR (representative) · No arrangement fee published

## How the £25,000 figure is worked out

Amount charged interest

£25,000

Daily rate from 13% EAR

0.0335%

Interest over 30 days

−£252.40

The table ranks interest only. Virgin Money Business publishes no arrangement fee for this overdraft.

#4 of 7 cheapest at £25,000 · cheapest right now: [NatWest Business →](https://overdrafts.com/business/natwest/)

## Common questions

### How much does the Virgin Money Business overdraft cost?

At £25,000 overdrawn for 30 days, Virgin Money Business charges −£252.40 in interest at its representative 13% EAR. At £10,000 it’s −£100.96; at £50,000, −£504.80. No arrangement fee is published.

### Is the Virgin Money Business business overdraft the cheapest?

Not at £25,000 overdrawn: it ranks #4 of 7 on interest. The cheapest right now is NatWest Business. Compare arrangement fees too; they sit outside the ranked figure.

### Why is the rate called representative?

Business overdrafts are priced to the applicant. The representative EAR is the rate the bank expects at least 51% of accepted customers to get, and it is the figure the bank itself publishes. Your offer can differ.

[← Back to the business leaderboard](https://overdrafts.com/business/#board)

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