Tried several times to do the digital logon which managed to complete just days before the offer ran out. However more user error and they really need to remember their customers raised in the very... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Very small credit limit & got refused an increase even though I make several payments each month! I cannot understand why this would be. My credit score is extremely high.
Company replied
My banking experience has been pretty good. Today I was offered a prize of tickets and hospitality at the Royal Albert Hall problem is I live in Newcastle so need train tickets, hotel and food for... See more
Company replied
I have only had the card a short while. I really like how I can access my statement online instantly. Another amazing feature I really like is how I get a notification for every transaction that go... See more
Company replied
Company details
Written by the company
M&S Bank launched in Autumn 2012, built on the foundations of M&S Money, which provided a range of financial products and great customer service for over 25 years. We aim to put you first and provide straightforward financial products and great customer service. We’re committed to building lasting relationships with everyone who banks with us by being truly focused on you, the customer.
Contact info
M&S Bank, PO Box 325, NR18 8GW, Wymondham, United Kingdom
- bank.marksandspencer.com
3.9
Great
3K reviews
Replied to 99% of negative reviews
Typically replies within 24 hours
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Always really helpful and excellent…
Always really helpful and excellent customer service.
May 18, 2026
Unprompted review
Reply from M&S Credit Card
Hi Jo, This is really great to hear, thank you for leaving feedback. - Kim
Easy system to navigate and very…
Easy system to navigate and very efficient.
May 2, 2026
Unprompted review
Reply from M&S Credit Card
Hi Joe, excellent that you find everything east to navigate. Thank you for your feedback. - Kim
Never had an issue with M&S after many…
Never had an issue with M&S after many years banking with them and their Food-hall is simply the Best!
May 18, 2026
Unprompted review
Reply from M&S Credit Card
Hi Steve, Thanks for leaving feedback. It's great to hear you have had the card for many years with no issues this is what we like to hear. We also love the food hall food - Kim
Don't want to be forced onto mobile app.
Uncertainty about having to use an app on a mobile phone. Might close my account if I can't manage my account in a safe environment at home. Unless M&S are going to give me a smart phone dedicated to that task.
People are putting too much confidence in the insecure tech world we are being forced to live in. I need reassurance. Suggested by M&S email to me.
May 15, 2026
Unprompted review
Reply from M&S Credit Card
Hi John, We understand about security hence why we do suggest the mobile app as you can set up biometrics making it very secure. We do take cybersecurity very seriously. If you need help we do have help section on our website, or you can call into us and we can talk you thought it all. Thank you for leaving feedback. - Kim
What a sad strange Bank
What a sad strange Bank. Apply for a credit card, receive said credit card, receive pin number, receive a welcome pack, join the rewards scheme. Try to use the credit card, response sale declined. Contact alleged Bank, apparently for no apparent reason the card has been withdrawn. AVOID.
May 14, 2026
Unprompted review
Reply from M&S Credit Card
Hi Mark, Thanks for your feedback. We understand your disappointment and would like to investigate what went wrong. If you reach out to our team, we’ll do our best to make things right. You can find the ways to get in touch on the ‘Contact us’ page of our website. Thanks - Kim
M&S Bank alienating older customers.
I don't want to download the app. My phone is full of useless apps. I am extremely unhappy to have to go back to queuing in my bank to pay my M&S credit card bill because they won't accept debit card payments online.
April 15, 2026
Unprompted review
Reply from M&S Credit Card
Hi Mrs Donaldson, We understand your disappointment, we are making changes to help avoid issues with payments. There are still many ways to pay if you visit our website you can find them on our website. Thanks for leaving feedback. - Kim
Embarrassingly bad
Awful, awful and then some more awful. The service has been contradictory and intentionally unhelpful from start to finish. Telephone advisors range from friendly and lying to ignorant and lying (at least there's some consistency there). Having paid everything off I am so happy to never have to deal with this circus again.
May 14, 2026
Unprompted review
Reply from M&S Credit Card
Hello, Lee.
Please accept my apologies, it doesn’t sound like you’ve had a good experience at all.
My colleagues are trained to offer a high standard of customer service, and I’m sorry if you haven’t found this to be the case.
I understand you have now paid off the card, but if you did ever want to discuss any of your concerns, please don’t hesitate to get in touch on the Customer Services number which can be found on our website.
Many thanks, Amy.
Please dont choose them
Please don't go with m n s as a credit card company. The inital 0% interest free gets you interested but it is a waste of time. Unfortunately, I used the cards to purchase tickets to travel to thailand in easter this year. Surprise surprise our flights got cancelled. Gulf air keep changing the refund date and m n s are no help what so ever in recovering the refund. Never in my life have I had such trouble. Stick with Amex or barclaycrad. No wonder m n s is in trouble.
May 14, 2026
Unprompted review
Reply from M&S Credit Card
Hello.
I'm very sorry to hear that you haven't yet been able to claim funds for your cancelled flights.
There are certain processes that our Disputes team need to follow in these circumstances, but I'm sure that they will be doing all they can to resolve this for you.
I do hope this is sorted out for you soon, and we can restore your faith in your M&S Credit Card.
Best wishes, Amy.
Took out a credit card had issues with…
Took out a credit card had issues with flight seats didn't help me with my claim took to section 75 still no help after waiting along time was not a happy customer and wouldn't recommend m and s for a credit card hard to deal with everything done online don't want to sort things out over the phone .
May 13, 2026
Unprompted review
Reply from M&S Credit Card
Hi, Kirk.
It’s such a shame to hear and that you wouldn’t recommend our card.
I’m very sorry that we couldn’t help with your dispute, I can assure the team will have done all they could.
While we do encourage customers to use our online services, our Customer Services team are also available to speak to on the phone from 8am – 8pm every day.
If there’s anything that you’d like to discuss further with us, please get in touch on the number from the back of your card.
Best wishes, Amy.
M&S service in decline
I contacted the helpline regarding a missing rewards statement, (I am old fashioned and still get them by post) it was a very lengthy process during which I was re-directed to the bank. The call handler didn't offer much information and it was only my suggestions of "Is there a minimum Rewards voucher value? Did I fail to earn this in the previous quarter?" £3 is the minimum which I didn't reach, Sept - Dec. She went on to send me an e-mail including £19 vouchers for an earlier quarter which wasn't relevant to my query, I thought this was so she could say she had resolved my concerns. No apology was offered for M&S poor communication, points carried forward from previous statement (normally included), would have enabled me to work it out.
May 8, 2026
Unprompted review
Reply from M&S Credit Card
Hello. Thank you very much for getting in touch to share your experience of your recent contact with us.
I’m sorry to hear that you weren’t given full information to help you resolve your query, or offered an apology. This certainly isn’t the service we’d expect our customers to receive.
We’d be more than happy to discuss your concerns further, or answer any other questions you may have about your reward vouchers.
If you’re a digital banking customer please ‘chat to us’ online, or call us on the number from the back of your card between 8am and 8pm each day.
Best wishes, Amy.
SERVICE UNAVAILABLE
How about your "service is unfortunately down" so far today 13/5/26 from 2:30pm until now 7:30pm on your app and continues down so no access to my account data data etc etc ?? This is the 3rd time this month the service has been "down" so...no service at all !!. Paul Ritchie.
May 13, 2026
Unprompted review
Reply from M&S Credit Card
Hello, Paul.
I'm ever so sorry to hear that you've been having problems accessing your account. I understand this must be inconvenient for you.
We'd love to help you get back up and running again.
Please give us a call on the number from the back of your card, and one of my colleagues will be happy to help.
We look forward to hearing from you.
Many thanks, Amy.
Reply from M&S Credit Card
Hi Rena, Thanks so much for your kind words — we’re really pleased you’re enjoying the app, and it’s great to hear our customer support has been helpful. Thank you for your feedback. - Kim
I've had the card for a while now and…
I've had the card for a while now and easy to use, I was offered 12 month 0% balance transfer, and was easy to do.
Only thing I dont like is m&s have withdrawn being able to make a payment with my normal bank account, which was very easy to do.
May 1, 2026
Unprompted review
Reply from M&S Credit Card
Hi, Its great you are benefitting from the 0% interest free period. We do offer multiple different ways to pay which can be found on our website if you are unsure of what we accept. Thank you for leaving feedback. - Kim
Quick and easy 0% balance transfer
Quick and easy 0% balance transfer - why’s not to like?
May 8, 2026
Unprompted review
Reply from M&S Credit Card
Hi, Quick and easy as it should be and also the benefit of a 0% interest free period. Thanks for leaving feedback. - Kim
Reply from M&S Credit Card
Hi Sian, Great to hear it was quick and easy exactly as it should be. Thank you for taking the time to leave feedback. - Kim
Great App
Great app, nice and clear, good communications, and the help section is excellent. Recommended.
May 12, 2026
Unprompted review
Reply from M&S Credit Card
Hi Stney, This is excellent news to hear that you like the app and find it clear and communication is great to, we find this important for our customers. Thanks for taking the time to leave feedback - Kim
Been a good experience they keep you…
Been a good experience they keep you updated at times. Sent reminders when payment is due. Always on hand if you have a problem. Application was quick and easy. Can't fault the service I received
May 12, 2026
Unprompted review
Reply from M&S Credit Card
Hi Lynn, Thanks so much for taking the time to share this feedback. We’re really pleased to hear you had a good experience and that the updates and payment reminders are helpful.
It’s also great to know the application was quick and easy, and that our team was there when you needed support. - Kim
Sorted out the balance transfer very quickly, but charge a little higher than some.
Very quick response and the balance from my other credit card arrived safely and quickly too. The interest rate was a little higher than some, but I felt confident in the process.
May 5, 2026
Unprompted review
Reply from M&S Credit Card
Hi Jenny, This is great to hear from application to balance transfer was fast and smooth running. This is how we expect it to be. Thanks for leaving feedback. - Kim
What’s a bit of technical know how between friends!
Tried several times to do the digital logon which managed to complete just days before the offer ran out. However more user error and they really need to remember their customers raised in the very early 1960’s when there were no computers
However the service and the cs agents were lovely and I would give them 5 stars apiece as a credit to what they do. As usual it is the system that lets them down as it’s set up for tech savvy people
All happy now and do not let being non tech savvy get in the way as I eventually got there!
May 12, 2026
Unprompted review
Reply from M&S Credit Card
Hi Eve, We're happy you managed to get back online and great the team is there when you need the extra support. Our website also has help pages for digital if you prefer to look at help options. We are always here in the end of the phone anytime you need it. Thank you for leaving feedback. - Kim
disappointed in M&S banking…
Sadly I was disappointed in M&S banking services. I spent a long time trying to payoff my credit card and then found it had not gone through and was given a late charge.
Needless to say I have now paid the entire amount off and won’t be using it again
May 4, 2026
Unprompted review
Reply from M&S Credit Card
Hi Christine, I am sorry to hear you have had issues we do offer lots of ways to pay that can be found on our website. If you would like to contact us to discuss. You can find alternative ways to get in touch by visiting the ‘Contact us’ page on our website. Thanks for taking the time to leave a review - Kim
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