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M&S Bank - Marks and Spencer: Credit Card reviews

Name: Credit Card
Rating: 3 (177 reviews)

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2.62

Based on 177 reviews, last reviewed 5th Apr 2025

No new 5 star reviews

in the past 90 days

50% increase in 1 star reviews

in the past 90 days

35%

14%

40%

Latest highest rating:

5

A very caring company. A very caring company. If there is a problem it's possible to speak directly to a person instead of going online.In the past I have had reason to cont... Read more Reviewed on: 2nd April 2025

Latest lowest rating:

1

Disappointed as a long- term customer I recently fell foul of the dreaded terms and conditions. I bought some travel money online and used Applepay (on which my M&S card is the most used) ... Read more Reviewed on: 5th April 2025

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About this product

The Marks and Spencer credit card reviews on Smart Money People are written by people like you. We’ve got over a hundred genuine reviews to help you to discover more about the pros and cons of the M&S credit card.

With so many credit cards available, it makes sense to shop around to get the one that suits you best. Start by thinking about what you want to use the credit card for, as well as whether you intend to pay what you owe every month, or spread repayments over a longer period of time.

Learning about other peoples’ experiences can also help you make the right choice. Find out more about the M&S Bank credit card by reading our trusted Smart Money People reviews, including what kind of features Marks and Spencers customers like most.

You can also write your own Marks and Spencer credit card reviews to share your experience. Why not include details of the application process, or how helpful customer support services were?

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M&S Bank - Marks and Spencer Credit Card reviews (177)

Review of the M&S Bank - Marks and Spencer, Credit Card:

Impossible to make balance transfers to new card.

Impossible to make balance transfers to this new card via the app or online. Tried loads of times with unspecified errors. Had to phone them up in the end. Didn't really give satisfactory explanation on phone as to why there were issues but they were aware of it going on for some time. Reviewed on: 5th April 2025

Disappointed as a long- term customer

I recently fell foul of the dreaded terms and conditions. I bought some travel money online and used Applepay (on which my M&S card is the most used) so automatically used it to pay for the transaction. Not only did they charge me over £15 handling fee but they added interest on as well. I have been a fan of M&S but no longer. Reviewed on: 5th April 2025

A very caring company.

A very caring company. If there is a problem it's possible to speak directly to a person instead of going online.In the past I have had reason to contact customer services and have always found them to be very helpful..I also value the treats and the points that are given throughout the year. All in all I would certainly recommend Marks and Spencer Bank. Reviewed on: 2nd April 2025

AVOID any financial products at all costs

AVOID ! Do not get a loan or credit card with M&S. worst service I have ever recieved since going on maternity leave . Told they had sent letters when they hadn’t . Was on a reduced payment due to maternity pay yet they push account into default anyway . Ruined credit rating which I’m now having to go through the FCA and ombudsmen to get rectified. Avoid at all costs !! Reviewed on: 14th January 2025

The worst customer service I have ever encountered

M&S Bank (actually HSBC) without doubt the worst customer service I have ever encountered. The whole organisation is incompetent and indifferent. Even after they accepted a deal brokered by the Financial Ombudsmen and admitted their errors they are still persuing me for a non existent debt. Don't go anywhere near this company Reviewed on: 6th January 2025

Every time I try to activate card it doesn’t work.

Every time I try to activate card it doesn’t work. Online customer service was useless to. Fried every frigging browser and method. Reviewed on: 4th January 2025

Bonus for signing up

They accepted me for a 20 month interest free credit card through snoop app. Also got a nice 20£ voucher for applying through snoop.The app is identical with HSBC app...which is not a bad thing. Had no problems with the PIN, notifications and registering my credit card Reviewed on: 28th November 2024

Contacting them is near impossible!

Contacting them is near impossible! Their sign in process is too complex. (HSBC based!) App and site are 'Olde-worlde'! Phone contact (eventually) is with Manilla - charming people but no clue about how M&S cards work Reviewed on: 20th November 2024

Absolutely hopeless.

Absolutely hopeless. I stopped using the card for several months as their support although polite is useless. I recently tried to log on and the online help does not help as is the case with their helpline. The unfortunate operator was simply reading from scrpts and had no technical knowledge whatsoever. Reviewed on: 20th September 2024

Credit Card Application Nightmare

This morning, I spent 45 minutes attempting to speak to an advisor at MandS Bank on the following numbers without success: 0800 997 996 0345 600 5860 Whilst I am able to connect to their telephone automated system, each option ultimately requests that I enter my digital banking details? If I was an existing client I would but as a potential customer, it is impossible. I have gone as far as trying to locate an email address and/or on-line form. Such actions have also proven fruitless. Has the whole business world decided that customer, indeed, potential business means nothing these days? All I want to know is whether a Credit Card Plus application has an outcome? Their acknowledgement email (yes they used email) stated that it would take up to 5 working days for an outcome. It has been 6 working days and I really would like to know the outcome of my application at this time. Does anyone know how to make contact or should I jump on a bike and search for ET. Joking aside, this really is not good practice. Future applicants - be warned! Reviewed on: 17th September 2024

Terrible time trying to claim money back under secti...

Terrible time trying to claim money back under section 75. Unhelpful staff who wouldn't let me appeal their decision. Reviewed on: 5th September 2024

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