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M&S Bank - Marks and Spencer reviews

M&S Bank - Marks and Spencer Logo
Rated Average 2.92/5

M&S Bank - Marks and Spencer reviews

Unverified business Last reviewed within 7 days
  • FCA approved and regulated
    FCA approved and regulated
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website
  • 24/7 customer support via phone, live chat or social media
    24/7 customer support via phone, live chat or social media
  • Provides paperless statements and documents
    Provides paperless statements and documents

Review summary

People rate this company as Average based on 646 product reviews

Average score of 2.92/5
5 star
29%
4 star
11%
3 star
4%
2 star
5%
1 star
51%
Reviews for M&S Bank - Marks and Spencer have trended negatively over the past 90 days

Latest positive rating

5.00/5

Excellent overall product and customer service.

Excellent overall product and customer service.

{"display":"P K","full_name":"P K","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Credit card
P K 12th June 2026

Latest negative rating

1.00/5

Moral & trustworthy? You judge..

I wrote a glowing review about their service early in March. How wrong I was. If you look at my previous review, I didn’t state... I wrote a glowing review about their service early in March. How wrong I was. If you look at my previous review, I didn’t state that I held onto the dollars we had purchased from them because at the last minute we were able to book a short notice a trip to the Caribbean where I thought some of the US dollars would come in useful. Why redeem them and then buy more back? That would just be a few tile bureaucratic exercise. I thought I would just redeem what I didn’t use under the terms of our original agreement that they would redeem the dollars at the original exchange rate. On returning, I contacted M&S who refused my request stating that because I used some of the dollars on another holiday this invalidated any agreement we had for the redemption of the money. Because of this I’ve lost over £70. When I discussed it with him, they said the financial ombudsman wouldn’t be able to help me because M&S money is unregulated for the purposes of that form of recourse. I’m still pursuing this quietly even though the time taken to recover 70 odd pounds exceeds the value of this claim-it’s the principal. In my case, I believe M&S Travel Money services have got no morals or decency. I’ve stopped using the shop. So, now would I recommend them? Well, consider this. If you have a dispute with them, you may have limited recourse to redress. . Read more Read less

About M&S Bank - Marks and Spencer

M&S Bank launched in 2012, on the foundations of M&S Money.

Marks & Spencer first financial product was launched in 1985 - the M&S Chargecard. Today, M&S Bank has grown from only offering one card to a financial services provider with a wide range products.

M&S Bank offer a range of loans, savings and general insurance products.

M&S Bank - Marks and Spencer at a glance

Contact details

Phone
0345 600 5860
Main address
M&S Bank, PO Box 325, Wymondham, NR18 8GW
Social media

Reviews for M&S Bank - Marks and Spencer

Showing 11 of 646 company reviews Last reviewed within 7 days

Excellent overall product and customer service.

Credit card 12th June 2026

Excellent overall product and customer service.

{"display":"P K","full_name":"P K","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
P K
Rated Excellent 5.00/5
Read more product reviews

Great app and understand people’s needs

Credit card 12th June 2026

Great app and understand people’s needs

Rated Good 4.00/5
Read more product reviews
  • 5.00/5

    Excellent service and good benefits, also vouchers

    Excellent service and good benefits, also vouchers

    {"display":"Jane","full_name":"Jane","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    Jane 12th June 2026
  • 5.00/5

    Brilliant Company!!!

    Been with M&S bank for years. Brilliant company! They really value their customers.

    {"display":"Carrieanne","full_name":"Carrieanne","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    Carrieanne 11th June 2026
  • 5.00/5

    Reliable Credit Card Provider

    I have had my credit card with M&S bank for many years and am a happy customer, I’ve only had to contact their customer support... I have had my credit card with M&S bank for many years and am a happy customer, I’ve only had to contact their customer support once, they were helpful and dealt with my questions promptly and professionally. As with most providers they now have an app you can use which is intuitive and reliable, but you still have the backup of speaking to a real person if necessary. Read more Read less

  • 4.00/5

    Open and honest

    Information available. Indetails openly availablevestment

  • 5.00/5

    Great offers.

    Great offers. New sparks offers are brilliant

  • 5.00/5

    Great options, quality products.

    Great options, quality products.

  • 1.00/5

    Moral & trustworthy? You judge..

    I wrote a glowing review about their service early in March. How wrong I was. If you look at my previous review, I didn’t state... I wrote a glowing review about their service early in March. How wrong I was. If you look at my previous review, I didn’t state that I held onto the dollars we had purchased from them because at the last minute we were able to book a short notice a trip to the Caribbean where I thought some of the US dollars would come in useful. Why redeem them and then buy more back? That would just be a few tile bureaucratic exercise. I thought I would just redeem what I didn’t use under the terms of our original agreement that they would redeem the dollars at the original exchange rate. On returning, I contacted M&S who refused my request stating that because I used some of the dollars on another holiday this invalidated any agreement we had for the redemption of the money. Because of this I’ve lost over £70. When I discussed it with him, they said the financial ombudsman wouldn’t be able to help me because M&S money is unregulated for the purposes of that form of recourse. I’m still pursuing this quietly even though the time taken to recover 70 odd pounds exceeds the value of this claim-it’s the principal. In my case, I believe M&S Travel Money services have got no morals or decency. I’ve stopped using the shop. So, now would I recommend them? Well, consider this. If you have a dispute with them, you may have limited recourse to redress. . Read more Read less

  • 1.00/5

    Do not trust this company for your pet insurance.

    Do not trust this company for your pet insurance. They will take your money each month for 4 years and on the single claim you... Do not trust this company for your pet insurance. They will take your money each month for 4 years and on the single claim you process they will not pay out, even if it is within your yearly allowance. Very disappointing and a waste of money paying insurance Read more Read less

  • 1.00/5

    RUBBISH CREDIT CARD - REALLY LETS M & S DOWN!

    I had terrible trouble getting the card set up in the first place and have written a letter describing it, then today I went into... I had terrible trouble getting the card set up in the first place and have written a letter describing it, then today I went into an Asda store and the card was declined contactless, then when I put in the pin it was still declined. I was in a long queue and had everyone behind me having to wait and it was most embarrassing. Have now telephoned M & S Bank and was told that for no reason the card was declined and now I have to go to an ATM and valid the pin there but as I am disabled I need to wait for a lift, most inconvenient. I will now pay of the credit card and return, terrible service. Read more Read less

    Products from M&S Bank - Marks and Spencer

    Showing products offered by M&S Bank - Marks and Spencer

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