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

Name: Current Account
Rating: 2.52 (156 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

25%

11%

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

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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About this product

M&S Bank no longer offers current accounts.

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

Unprofessional

I opened a savings account online. My application was successful, it's been a month since the application and I have not received any correspondence by post or email. I called them a few times and was told my account is active and the documents are in the post. I believe they should stick to selling clothes, because they seem out of their depth in the banking sector. Reviewed on: 12th May 2017

One Month lost my mail, account was in the wrong name

What a waste of a month, so much for the website quick and easy set up !!!! to start they spelt my name wrong so had to start again then the address was wrong and after one month still no bank account, no idea how there still in buisness ...... Reviewed on: 11th May 2017

Two faced bank

If you ever thinking of making a dispute of a transaction and want to get into a confused mess then I Recamend this bank of thieves!!! They put a temprary refund last October 2016 and then this year March they remove it even though if merchant refuse to refund!!! Why in the first place credit me the fund if they knew they will remove it how pathetic this POLICEY of dispute team needs to Die!!! Reviewed on: 17th April 2017

Avoid this Bank

Being a member of M&S bank for anything other than plain routine banking, from bitter experience, can be a nightmare. I have been misinformed in the past on saving accounts, international and inter UK money transfers that has caused so much frustration, wasted time and money. Is generally a very poor bank with very poor service. And I have had enough of it. Reviewed on: 25th March 2017

Easy-Peasy

I've switched using the Current Account Switch Service, including two active Direct Debits, I will receive a £50 M&S gift card. But that’s not all. I will receive an extra £5 each calendar month as long as a minimum of £1,000 is paid into your current account and two Direct Debits remain active – for a period of 24 months following the switch. I will have £170 to spend in M&S on whatever I choose. Also, because I have a current account I can save up to £250 per mth for 12 mths at 5% interest and I can continue to open further accounts at the end of the 12 month period offering the same again. Not bad in these times of austerity. Reviewed on: 4th March 2017

Mobile app and online banking is very primitive

Mobile app only gives a balance, which makes it years behind every other bank.Online use needs a small keypad, even to log on and check a balance. Easy to lose the keypad and just very inconvenient. Seems parent bank HSBC has perhaps deliberately enforced this inferior part to protect their own bank accounts. Reviewed on: 17th February 2017

Great at the start, utter rubbish when you need help from them

I had my purse stolen from my handbag in my local town, trying to cancel my bank account and credit card with the bank was probably more stressful than the purse being stolen. I also had to cancel a RBS credit card, cancelled, done new card 4 days later.. M and s bank I'm still waiting for my new credit card, Marks and Spencer's should stick too what they are good at, selling clothes, when it comes to banking they can't keep up. Wish I had never banked with them. Reviewed on: 16th February 2017

I have been mislead and am now stuck with a device in didn't want!

I just got this bank account last week and am already Incrddible annoyed with them and wish I could undo this change! Firstly, I've been told I only needed the little digit pass initially and then never needed it. But I do need it every time I go online, this system is completely outdated and I'm really annoyed as I've been mislead by a member of staff. Secondly, I waited an hour to complain about not being able to sign on online with my new cards. It's all really user unfriendly and outdated. I regret signing up for this bank account completely and am going to try and undo this. Reviewed on: 16th February 2017

Text message

I like the fact they send me a text message as soon as I go overdrawn. Reviewed on: 12th February 2017

"new-fashioned Banking"

Marketed as new-fashion banking, but is far behind all the other banks in terms of technology. The mobile app only allows you to view balance and the previous 10 transactions, no options to go further back or make payments. The online banking requires you to carry around their little pin machine just to log-in which is less than convenient. Also be aware with the premium account as you the perks are sent out quarterly, so if you join mid-quarter you miss out on those perks, but you still have to pay for those months. Reviewed on: 19th January 2017

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