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
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 Only thing I dont like is m&s have withdrawn being able to make a payment with my... 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
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
The process of applying for a credit…
The process of applying for a credit card was straight forward. Very happy with my application result and service.
February 20, 2026
Unprompted review
Reply from M&S Credit Card
Hi Marvalee, Thank you for the feedback. We are pleased applying for a card was straight forward. This is exactly as it should be. Welcome to the M&S family. - Kim
Not happy by stopping through debit…
Not happy by stopping through debit card payment for Mark's and Spencer credit card from 22nd April 2026.
I been using for long time suddenly I have received email from marks and spencer banking apps.
April 19, 2026
Unprompted review
Reply from M&S Credit Card
Hi Aron, Sorry to hear your frustration. We continue to offer debit card through our automated phone service or speaking with an adviser. Our digital channels will offer Pay by Bank. If these options are not suitable, we also offer Direct Debit, or you can use your own bank's services (eg app, branch or phone) to send a payment direct to us. You can find the sort code, account number and reference you need to use on your statement. - Kim
Dodgy dealings
Quoted me an interest rate online, agreement came through and the APR was double what was quoted online. No mention anywhere on the email, I signed the agreement then noticed so got the loan cancelled. Absolute charlatans!!
April 16, 2026
Unprompted review
Reply from M&S Credit Card
Hi Andrew, We’re really sorry to hear this. That’s far from the experience we want our customers to have. Please contact our customer support team so we can investigate this. 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
Restoring my credit limit
You responded to my last message by requesting I contact your customer services. This I did and the person I spoke to told me I had to set up an app and then complete a form to get my credit limit reviewed.
So I have sent 3 letters which were unanswered and nobody wants to speak to me ! I am 72 do not use apps and just want a human with authority to speak to me. You have my contact details please use them.
April 16, 2026
Unprompted review
Reply from M&S Credit Card
Hi, Mike. Thanks for taking the time to share your experience, and we're sorry things haven't worked out as you expected. The most secure way to request an increase is via our banking app. We're unable to access customer details via this platform, so to enable us to support you, please give us a call using the number on the reverse of your card. Thanks again for your feedback, and we hope the rest of your day goes well. - Morag
NO problems easy process and acceptance…
NO problems easy process and acceptance does what i want.
April 15, 2026
Unprompted review
Reply from M&S Credit Card
Hi, Barrie. Thanks for your review. It's great to hear your found the process so easy, and that you're happy with our service and card. Thanks again for getting in touch, and have a great day. - Morag
Pleasant to deal with
It was very easy to check if I could be accepted for a credit card and also to apply for one. After a phone call with a pleasant person to check a few things acceptance was approved and the card was sent off quite quickly and have had an amazing experience through them
January 12, 2026
Unprompted review
Reply from M&S Credit Card
Hi, Andrew. Thanks so much for your brilliant review. It’s really good to hear you found the process straightforward, and that we were able to get everything sorted quickly for you. We really appreciate you taking the time to share your feedback. Thanks again, Morag
So easy £ straight forward to do a bank…
So easy £ straight forward to do a bank transfer & with 0% interest for 12 months is even better.
April 11, 2026
Unprompted review
Reply from M&S Credit Card
Hi, Lynette. Thanks for getting in touch. We’re really pleased to hear you found the process easy to complete and that everything was straightforward. We also really appreciate you taking the time to leave a review and share your feedback with us. Have a great day, Morag
I have used the credit card for…
I have used the credit card for purchases then they balance transfers came along and they have been very helpful for cutting interest on other cards fantastic
April 14, 2026
Unprompted review
Reply from M&S Credit Card
Hi there. Thanks for sending in your review. It’s really great to hear you’re happy with our service and the offers available. Even better, we’re glad the offer you chose has helped you manage your finances more easily. Thanks again for getting touch, have a great afternoon. - Morag
I would like to take this opportunity…
I would like to take this opportunity to express my sincere appreciation to the entire team for the outstanding service I have consistently received over the years.
At important moments in my life, particularly when I most needed support and guidance, the bank was always there for me, demonstrating professionalism, reliability, and a genuine commitment to its customers. That level of care and availability made a real difference and gave me the confidence and peace of mind to move forward with important decisions.
It is truly reassuring to know that I can rely on an institution that not only provides high-quality financial services, but also values trust, personal relationships, and the wellbeing of its clients.
For all of this, I would like to extend my heartfelt thanks and recognition to the entire team. Please continue the excellent work — your dedication and customer service set a standard that is greatly appreciated.
Thank you once again for everything.
April 14, 2026
Unprompted review
Reply from M&S Credit Card
Hi, Marcelo. Thanks so much for your fabulous review. It's really wonderful to hear from such a loyal, long-standing customer such as yourself. We genuinely appreciate your feedback, and are delighted to hear that you continue to be happy with our services. Have a great day, and thanks again. - Morag
Easy to apply
Easy to apply, some confusion when waiting for a decision but quick turnaround and helpful customer service staff
January 9, 2026
Unprompted review
Reply from M&S Credit Card
Hi, Jessica. Thanks for taking the time to leave a review. We’re really glad the application process felt straightforward, and that we were able to get everything sorted quickly for you. It’s great to hear you’re happy with the service, and we appreciate you getting in touch to let us know. Have a great afternoon, Morag
Really quick and fast service
Really quick and fast service . User friendly.
March 27, 2026
Unprompted review
Reply from M&S Credit Card
Hi, Nadarajan. Thanks so much for taking the time to leave a review. It’s great to hear you’re happy with our service, and we really appreciate you getting in touch to let us know. Thanks again, Morag
Cheaper than the rest straight forward…
Cheaper than the rest straight forward and no problem
April 1, 2026
Unprompted review
Reply from M&S Credit Card
Hi, Jacqueline. Thanks for taking the time to leave a review. We’re really glad to hear everything’s been straightforward for you, and that you’re happy with both our card and the service you’ve received. Thanks again, and have a great day. - Morag
Barclaycard miles better
Ok so where do I start, the app is very unfriendly… no “real time” balance as with barclaycard. Pay above and beyond minimal payments and they still take the direct debit even when the app mentions £0. Earned M&S points for the first 2 months then nothing even when I am still spending on the card. Avoid at all costs very disappointing… backed by HSBC not at all in keeping with the M&S brand not at all impressed a few months in
April 14, 2026
Unprompted review
Reply from M&S Credit Card
Hi, Daniel. Thanks for your review. We're sorry to hear our services aren't meeting your expectations. Just to clarify, the Direct Debit will always claim the minimum payment advised on a statement unless the balance is nil at the start of the claim process, and the number of points you can earn depends on the type of spends you are making. You may like to reach out for customer support, so we can look into your concerns and help get things sorted. Just get in touch through the Chat feature on online banking, or find all the ways to contact us on the ‘Contact us’ page of our website. Thanks again, Morag
Good idea
I needed to look at my finances and work out what was best for me, your offer of an interest free time to pay back my loan made a great deal of difference and empowered me to take control and gave me peace of mind. I am now on the road to an easier more manageable budget and less money worries. Thank you for helping me
April 3, 2026
Unprompted review
Reply from M&S Credit Card
Hi, Marianne. Thanks so much for your fantastic review. It's great to hear the offer suited your needs, and has helped to manage your finances. We appreciate you getting in touch to let us know. Have a great day, Morag
Bad customer service
Bad customer service, hard to understand, bad lines, and not accurate on valuations.
April 14, 2026
Unprompted review
Reply from M&S Credit Card
Hi, there. Thanks for leaving a review. We’re sorry to hear you’re not happy with our service. If there’s anything we can fix or do better, we’re here to help. You can reach our customer support team via the Chat feature in Online Banking, or check the ‘Contact us’ page on our website for all the ways to get in touch. Thanks again for taking the time to share your feedback, and we hope you have a good rest of your day. - Morag
great service
great service , brilliant balance transfer service , so easy to do
April 12, 2026
Unprompted review
Reply from M&S Credit Card
Hi Stuart, thanks for taking the time to leave a review.
I’m really pleased to hear the balance transfer was so easy and that you received great service. If you need anything else, we’re always here to help.
Thanks again, Tracy ☺️
awful
had nothing but trouble with this bank card all the way through wont list what as I am trying to forget the experience. cancelled card and they are still sending me stuff. Have gone back to John Lewis much smoother operation
P>S. Thank you Elena but take up more of my precious time I dont think so.
April 11, 2026
Unprompted review
Reply from M&S Credit Card
Hi Alice, we are sorry to hear that you've cancelled your card. If you'd like us to look into the issues you were having with your account, then you can find all the ways to contact us on our website. Thanks - Elena
No payment systems by debit card
No payment systems by debit card , shop elsewhere customer service very poor
April 11, 2026
Unprompted review
Reply from M&S Credit Card
Hi Steve, we want to reassure you that there are still plenty of ways to make payments on your M&S Credit Card, including setting up a Direct Debit or making a payment directly from your bank account. If you’d like to discuss the payment options available or need help setting one up, please get in touch with our team by calling the number on the back of your card or via Chat in the M&S Bank app. Thanks - Elena
Been a customer with M&S for years
Been a customer with M&S for years , they stopped paying by cheque, now not paying buy cash in store, which has stopped me from doing a lot of shopping in store .they are slowing making it difficult to pay bill , and not shopping in stores as much , seriously thinking of cancelling credit card .
April 10, 2026
Unprompted review
Reply from M&S Credit Card
Hi, Stephen. Thanks for leaving your review, we're sorry to hear you’re not happy with the payment options we offer. The quickest and most secure way to pay us is straight from your bank account. You can do this using Pay by Bank in our digital services, or by setting up a bill payment through your bank. If you’d like to set up a bill payment, you’ll find the sort code, account number, and reference you need on your statement. Payments sent this way are usually received within a couple of hours, compared with up to two working days for a debit card payment to clear. Thanks again for getting in touch, and enjoy the rest of your day. - Morag
Online straight forward
Online straight forward - although filling a direct debit in to pay the thing is more of a hassle.
April 1, 2026
Unprompted review
Reply from M&S Credit Card
Hi Kathryn, thanks for taking the time to leave a review.
I’m pleased to hear the online process was straightforward. I’m sorry the Direct Debit set-up felt like more of a hassle than it should be — we’ll feed that back to the team.
If you need any help getting it set up, we’re always here to help. Tracy 👍
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