M&S Bank - Marks and Spencer Current Account Reviews

Ratings based on 125 reviews Last review 1 month ago

M&S Bank (Marks and Spencer) Current Account reviews come from people like you! With so many different current accounts now available, you can read these honest M&S Bank current account reviews to find out what life as a Marks and Spencer customer is...

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M&S Bank (Marks and Spencer) Current Account reviews come from people like you! With so many different current accounts now available, you can read these honest M&S Bank current account reviews to find out what life as a Marks and Spencer customer is really like. And remember, if you are a M&S Bank customer already, you can write a short review here to help other potential customers. Smart Money People is the UK's leading financial services review site and dedicated to being an independent and honest source of M&S Bank current account reviews. Together, we can make financial services work better for everyone.

5 33
4 16
3 8
2 7
1 61

Our Smart Money People 360° Rating

Poor Current Account Rating
Combines our customer review data set with wider market analysis. Find out more here.

Your Current Account Reviews (125)

25th February 2019

TIME WASTERS

Twice in 6 weeks I have had a transaction denied, both transactions were to well known UK companies. Customer services are conducted in some far off country where English is not the first language. It took quite some time to navigate through the...

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Twice in 6 weeks I have had a transaction denied, both transactions were to well known UK companies. Customer services are conducted in some far off country where English is not the first language. It took quite some time to navigate through the telephone system, making the correct choices before getting to talk to someone. I am told my transactions were denied for ‘security purposes’. I’ve never, ever had an issue when I used a Tesco card or an Adam Bank card. So, M&S, Hear it here, I do not have time for your faff, or your second rate, third world based customer services. I will be cancelling my account.

1st February 2019

Awful!

I ignored all the bad reviews and have made the biggest mistake transferring to them. They are worst than awful. Opened a bank account, credit card, home insurance and saving account with them and now need a loan that they have refused. Their security...

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I ignored all the bad reviews and have made the biggest mistake transferring to them. They are worst than awful. Opened a bank account, credit card, home insurance and saving account with them and now need a loan that they have refused. Their security checks for the opening of the bank account and the credit card have gone against my excellent credit score. How ridiculous is that. Joined in Oct 18 leaving Feb 19. Forget all the freebies they offer when you join as you'll eventually pay for them.

11th January 2019

Competitive Account but Internet banking and App lets it down

See the title , every time you need to do anything via internet or app it is antiquated and lags behind every bank I have ever experienced. Just spent an hour trying to make a transfer between accounts then had to try standing order, eventually had...

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See the title , every time you need to do anything via internet or app it is antiquated and lags behind every bank I have ever experienced. Just spent an hour trying to make a transfer between accounts then had to try standing order, eventually had to call them who were fine but still time wasted for something straight forward. Please invest in a user friendly system soon

1st January 2019

App needs work

It's been OK but logging into internet banking online is a pain because you have to use the little calculator-like machine to get codes etc. I can use Touch ID to get in on my phone, but not all the funcionalities are not on the phone app, for...

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It's been OK but logging into internet banking online is a pain because you have to use the little calculator-like machine to get codes etc. I can use Touch ID to get in on my phone, but not all the funcionalities are not on the phone app, for example managing direct debits.

5th December 2018

Banking made HARD

Having switched over i am now completely regretting it....

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Having switched over i am now completely regretting it.
- Had problems during the switch where my pay was lost (M&S did nothing to help this despite advertising they handle it all)
- The app is useless you cant do anything on it bar review a month of transactions
- You have to use an old school device to get into internet banking and it has to be the one sent to you originally otherwise it doesn't work
- You get sent piles and piles of paper rather than anything available online.

This has to be one of the most backwards banks out there which is completely not what is advertised

4th October 2018

Would give zero stars if I could - application cancelled

Waited over two weeks for them to start processing my application, received a text to call for more information. 1st call - 17 minutes to be transferred (and cut off), second call - success! But the information I had put on the form didn't add up - my...

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Waited over two weeks for them to start processing my application, received a text to call for more information. 1st call - 17 minutes to be transferred (and cut off), second call - success! But the information I had put on the form didn't add up - my annual salary before tax and my monthly after tax didn't add up... I assured them the numbers were right - after all I have numerous work benefits that come out of monthly. They wanted to fully explore to protect the bank and me. Not for me, sorry. Never had this much trouble opening a bank account. Cancelled my application there and then and staying with First Direct who answer in a few rings!

4th October 2018

Slow, and Beware the Log-on Hindrance Device

Switched to M&S Bank for the offer of an M&S voucher card. The switching process and receipt of the voucher has been very slow with minimal communication. M&S Bank is very old school - lots of fairly useless paper and booklets get posted to you but...

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Switched to M&S Bank for the offer of an M&S voucher card. The switching process and receipt of the voucher has been very slow with minimal communication. M&S Bank is very old school - lots of fairly useless paper and booklets get posted to you but very little by way of email updates during the switch.
However the most annoying issue by far, is the use of an old-school style authentication device which is needed to log in to the online banking. This is often needed as their iOS banking app is restricted in terms of functionality. Why on earth banks still expect you to carry one of these is beyond me, and in the M&S case even more bizarre since the service is essentially provided by HSBC, who have moved to a mobile-phone based authentication service.
I will be switching again.... once the voucher arrives anyway.

25th September 2018

getting better

After the initial teething problems things are now improving. Just one or two quibbles, nothing to warrant complaining about....

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After the initial teething problems things are now improving. Just one or two quibbles, nothing to warrant complaining about.
The app does not use fingerprint sign in, nor can you review login info incase of typos.

Pass unit is annoying at times. But otherwise I am happy.

30th August 2018

"New-fashioned banking"? Old-fashioned incompetence!

I wish had read these reviews before switching - in fact I (almost) wish I'd stayed with TSB! I should have heeded the warning signs, when it took three long phone calls, three application forms and over six weeks to actually open the account. The...

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I wish had read these reviews before switching - in fact I (almost) wish I'd stayed with TSB! I should have heeded the warning signs, when it took three long phone calls, three application forms and over six weeks to actually open the account. The little code generator is a joke - First Direct (also part of HSBC) ditched these years ago for phone-generated codes and even then they're only needed for some transactions. How can I make any transactions away from home without taking this stupid little object around with me? Ah, the mobile app! - no, can't do anything except see my balance and recent transactions. Today, a paper statement turned up - I haven't seen one of these for at least 5 years! So, I go online to get my statements changed to online only. "Not available yet" Not that keen to save the planet, are we, M & S? I will be switching again as soon as I can.

27th June 2018

Did I make a mistake?

At the end of the online application I was told I was successful. I hear nothing from them so called after 2 weeks only to be told that the form I returned was not complete. Sent in another. Heard nothing. After another 2 weeks was told that I was in...

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At the end of the online application I was told I was successful. I hear nothing from them so called after 2 weeks only to be told that the form I returned was not complete. Sent in another. Heard nothing. After another 2 weeks was told that I was in the process of having the account set up.
Finally got account number, debit card and pin 6 weeks after original application.
I can see my account online but cannot get access. Received a letter today telling me that I should get access this afternoon. No such luck.
Called again was told that they are having software problems. That I would definitely get access on Friday. Also told that there would me a new signing on process in which I must use the 'dongle' each time I want access.

Finally got the account set up only to find the dongle is difficult to use. Still waiting for thje swich

22nd June 2018

Customer service appalling

I had a dispute regarding £400 not dispensed from cash point. M&S customer service initially were helpful and credited my account pending investigation. 7 months later a message was left on my voicemail to call them. I called and spoke to customer ...

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I had a dispute regarding £400 not dispensed from cash point. M&S customer service initially were helpful and credited my account pending investigation. 7 months later a message was left on my voicemail to call them. I called and spoke to customer service rep who informed me they decided against me and debited the £400 money that day. They refused to put me through to disputes team as they do not speak to their customers apparently. left holding and holding while customer service rep spoke to them. Never received anything in writing about the investigation. When I wrote to complain got bog standard letter saying hope complaint resolved. I am still £400 out of pocket after trusting my money with M&S bank. When I tried to call and speak to them none of customer service team wanted to investigate or help. Lastly, I do not make a point of complaining publicly but I have never encountered such systematically poor customer service.

15th June 2018

Not helpful at all to open a basic account

Trying to open an account without requesting credit cards for my wife has been a mission impossible. Asking same question in three different occasions. Very unprofessional. She decided to cancel her application in Mark&Spencer after waiting almost 1...

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Trying to open an account without requesting credit cards for my wife has been a mission impossible. Asking same question in three different occasions. Very unprofessional. She decided to cancel her application in Mark&Spencer after waiting almost 1 month. Finally opened one at HSBC.
M&S doesn’t understand bank business. It’s no a professional bank. Don’t waste time with them

12th June 2018

Couldn't even get the application right!

It took over two months to process my application. They asked additional information twice and then rejected...

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It took over two months to process my application. They asked additional information twice and then rejected me!

I have a mortgage! No other debts or loans and a full time job. I'm pretty sure if I can get a mortgage, I can qualify for an M&S account. And believe me, applying for a mortgage was faster, easier and less annoying.

11th April 2018

Robbed!

Tried to pay my bill online as I usually do! The payment wouldn't process! When I checked my bank account they had taken the payment twice £650! Twice! 1 week on I'm still waiting for a refund currently I'm over drawn!!

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