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M&S Bank - Marks and Spencer: Current Account reviews

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2.52
Based on 156 reviews, last reviewed 17th Apr 2026
100% increase in 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
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25%
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6%
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53%

Latest highest rating:

5

Good to use for safety purposes. Good to use for safety purposes.I love the credit to pay in 4 months without interest Reviewed on: 14th April 2026
Sumathi Packiarajah's avatar
Sumathi Packiarajah

Latest lowest rating:

1

Too expensive, look elsewhere Found similar if not better quality at more than half the price at a local store Reviewed on: 17th April 2026
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Rythemic Chest Beater
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M&S Bank no longer offers current accounts.

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M&S Bank - Marks and Spencer Current Account reviews (156)

not worth the effort of applying

1
filled form in online then received email asking to ring them. they asked such stupid questions ie how much do you think you will have in account next year, what will you spend money on . my husband got so tired of questions said he could be dead next year who knows .was excepted but decided not to go ahead glad after reading other reviews too much hassle Reviewed on: 21st June 2017
denise 's avatar
denise

Tortuous set up process, poor services, waste of time.

1
If I could put 0 stars I would. Had planned to make this my primary account, however the set up has been tortuous, for example to set up online banking I have had to click 3 different parts of their website, use their M&S Pass, to call them twice and to come up with 9 different passwords/numbers/secret answers. The actual service/ app you get with this is also appauling compared with competitors. They've also messed up my current account switch meaning I'll have to go back to pay off my old account as they withdrew too much. Bizarre. Never had any bank require so much time, effort nor irritation to set up. Cannot imagine myself sticking with their service as it does not work for my generation/ anyone computer savvy, which I have to be as I do not have a nearby branch. Reviewed on: 20th June 2017
Ellie Berry's avatar
Ellie Berry

Swtiching was so painful I pulled out

1
I tried to make an appointment to switch my current account, but couldn't get through. I then visited Braehead branch, and made an appointment. They couldn't give me one for over two weeks. Come the day of the appointment, I forgot my bag, and therefore my driving licence and the Debit Card / Account Number of the bank I was switching from. I still had utility bills, including my Council Tax bill, and an expired passport as alternative means of identity. Also, I offered to bring the forgotten documents in at a later point, and suggested we just get on with setting up the account. But they couldn't do that. The only thing they could offer was another appointment in more than two weeks time. Again. So I just pulled out of the process. If this is what M&S thinks is \new fashioned banking\" I'm sure the branch managers must all like their penny farthing \""company cars\"". This bank is dreadful. And reading other reviews regarding off-shore call centres. looks like a I dodged a bullet. It's just not worth the hassle switching for a poxy gift card.""" Reviewed on: 17th June 2017
Anonymous's avatar
Anonymous

Swtiching was so painful I pulled out

1
I tried to make an appointment to switch my current account, but couldn't get through. I then visited Braehead branch, and made an appointment. They couldn't give me one for over two weeks. Come the day of the appointment, I forgot my bag, and therefore my driving licence and the Debit Card / Account Number of the bank I was switching from. I still had utility bills, including my Council Tax bill, and an expired passport as alternative means of identity. Also, I offered to bring the forgotten documents in at a later point, and suggested we just get on with setting up the account. But they couldn't do that. The only thing they could offer was another appointment in more than two weeks time. Again. So I just pulled out of the process. If this is what M&S thinks is \new fashioned banking\" I'm sure the branch managers must all like their penny farthing \""company cars\"". This bank is dreadful. And reading other reviews regarding off-shore call centres. looks like a I dodged a bullet. It's just not worth the hassle switching for a poxy gift card.""" Reviewed on: 17th June 2017
Anonymous's avatar
Anonymous

Telephone Customer service terrible

1
Lengthy automated phone calls, entering account numbers and pushing various options are required before speaking to (non UK ) call centre advisors for a simple account query is so out of date, inefficient and costly for customers. Queries dealt with ineffectively.....unnecessary frustration resulted in my closing the account. First telephone query ever in years....and the last! Reviewed on: 16th June 2017
Sheila Reading's avatar
Sheila Reading

easy switch, good service

5
great service on the phone, very efficient, no problems switching to them Reviewed on: 7th June 2017
Diane Roberts's avatar
Diane Roberts

Good but you have to pay

3
Good service but you have to pay each month. I'm not sure if its worth it even with the reward vouchers. Reviewed on: 30th May 2017
Kathy Amis's avatar
Kathy Amis

Insanely difficult to open an account

1
Don't expect to be photocopying multiple identity documents, getting them signed by solicitors/IFAs, etc to open a simple account. Even then, they were ridiculously picky about one missing phone number by the signature. Gave up on the whole thing and switched seamlessly to a competitor instead, all done online with no tortuous phone calls or making vast amounts of paperwork. Reviewed on: 26th May 2017
Anonymous's avatar
Anonymous

Falsely claims "New fashioned banking". It's actually well behind the times

1
Pathetic app for smartphones with no ability to transfer funds or pay bills. Website not much better but requires carrying pathetic plastic code generator for access so far from customer friendly. No use of modern technology and years behind what other banks are doing. Primitive, basic and frankly pathetic. Definitely not the modern bank they advertise. Reviewed on: 21st May 2017
Frank Botham's avatar
Frank Botham

Poor customer service and poor internet banking

1
I was rejected my switching incentive as I closed my old account myself! The internet banking set up is very poor compared to NatWest or first direct. Limited and cheap looking web site in internet banking. I Will definitely be using the switching service to leave them!!! Reviewed on: 12th May 2017
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Anonymous

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