Virgin Money Spot lets you request money from friends by sending them a Payment Request in the app. You can add how much you want to request and a reason for the request. It’s up to the person you’re requesting the money from to accept or decline the request. Requests don’t expire, so your friend will see the request on their payment list until they accept or decline it. You’ll be able to see if they accept it, decline it or if it’s still pending (which is what you see if they take no action).

If a payment Request is accepted, it’ll be paid into your Spot Wallet.