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

Name: Current Account
Rating: 2.49 (154 reviews)

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2.53

Based on 154 reviews, last reviewed 19th Apr 2025

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

25%

11%

53%

Latest highest rating:

5

very satisfied with everything and looking foward very satisfied with everything and looking foward Reviewed on: 19th April 2025

Latest lowest rating:

2

Not customer focused Not customer focused just want to meet targets Reviewed on: 24th August 2023

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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 (154)

Mis-informed customer service represents

I opened a new current account a month ago. My title was wrong so I changed it from Miss to Mrs, but was told I didn't need a new card. WRONG. My card suddenly stopped working, and when I rung I was advised I had been misinformed. So I got a new card but was told I could still use the same Pin. WRONG. I was blocked from my account 3 days before Christmas, waiting for a new Pin. Never Ever again! Reviewed on: 22nd December 2016

Needs to update

I have recently changed to M&S bank. The switch from my previous bank went well. They need to update the mobile and internet banking as a matter urgency. Needing to insert a the code evert time you want to log on to internet banking is not practical or convenient. I have been locked out the balance app and can't get it unlocked Frustrating. If I am to stay with M&S bank they need to make their internet banking equal to the other high street banks or be prepared to lose custom. Reviewed on: 7th December 2016

MARKS & SPENCER PREMIUM CURRENT ACCOUNTS BENEFIT NOT EXCLUSIE & AVAIL FREE ELSWHERE

I have an M&S Premium account (c 2012) with a range of exclusive and unique benefits. Have the literature have the Ts and Cs. But in May 2014, they launched the fee free a/c with 2 core same benefits: 1. £500 o/d and 2. access to high interest reg saver. The other benefits are not worth the monthly fee. I was happy to pay for these two. M&S obliged to tell Premium Acc customers that Ta and Cs changed - but they didn't. And didn't let people know that the premium ac was not as unique and exclusive as you had thought. I found out quite my chance. Please check your ac (you can easily switch to the fee free one) and complain to the Ombudsman. M&S more than happy to offer unique and exclusive benefits of the premium ac elsewhere! Reviewed on: 1st December 2016

Brilliant bank, superb customer service

I cannot praise Marks and Spencer bank enough, they are absolutely brilliant. From call centre staff to in branch, I am glad I made the switch. For me, the branches being open 7 days a week until 8 at night most nights is invaluable. I'm greeted by name, I feel valued as a customer, I couldn't recommend them enough. Reviewed on: 21st November 2016

Bit Of A Mixed Bag Really...

Recently transferred using the M&S account transfer service - no snags. Had to contact them twice, once to give more info, once to open monthly saver account, 3 to 4 minute wait each time - no snags. Good incentives: £100 gift card, further £120 over 12 months, regular saver account giving 5%. Problems: mobile app is pants, M&S PASS (dongle) is a complete pain - has no-one told them we are in the 21st century?! Will be switching in 12 months anyway, to get the next switching deal :-) . Loyalty - what's that? Reviewed on: 19th November 2016

Overall a great customer friendly bank

Online banking is clear and straight forward; allowing you to manage multiple accounts (current, savings, credit card) in one place. Very efficient and easy to makes changes (i.e - overdraft limit, bank statements etc). Very secure and offers a customer reward scheme when shopping with M&S franchise. Reviewed on: 14th November 2016

Do not bank with cowboys

Got my card and have been on the phone 3hrs this evening hold . Finally got through and the advisor put me on hold as soon as I said what I wanted . After 15mins I hung up . Switching to m & s is a big mistake this is the worst service ever . Wish I'd read the reviews Reviewed on: 20th October 2016

30 minutes on the phone no resolution found

I switched account in April to M&S Bank. Had to call them few times. Spent at least 30 minutes on the phone each time. Today I called to find out if my gift card has been topped up with £10 as promised. First spoke to someone on number I was given previously by M&S bank staff. But she told me she can only tell me remaining balance. Kept putting me on hold for 25 minutes and then transferred me to "someone who can help me". The second person I spoke to was rude and didn't understand what I wanted as she deals with credit card issues. She kept putting me on hold for several minutes. Then she transferred me to "someone who can help me". It was a very rood person. She said I should have cold gift card people not a credit card people!!! Did not listen to me when I was explaining that I actually called gift card people who transferred me to credit card people ... Its a nightmare. She said someone will call me back. Also I found out that even if switch of my account was in April I only get first £10 top up in July. Therefore you have to stay with a bank longer then 1 year to get £120 in top up. Reviewed on: 5th August 2016

The worst bank ever

The worst bank possible. So rude customer service. It took me a month to open an account and now is sending me to central London to show ID where I need an appointment too. I was keep receiving emails saying to call them and every time they ask a question than again email and so on... Wasting time. I don't recommend to anyone. There are many many other good banks in UK. Reviewed on: 18th July 2016

Bank with a proper bank, not a retailer

I switched to M&S Bank lured by the offer of a £125 M&S voucher. All was fine until I needed to withdraw £2,000 cash. I called the M&S Bank 3 days in advance to arrange. The only branch able to do so within my reach was at Marble Arch, London, 1 hour drive away. Not convenient but I needed the cash. On the pre-agreed day, I called several hours in advance to confirm the appointment but when I arrived at the branch I was informed they had run out of cash! When I pressed, one employee admitted they had cash but needed the authorisation of their manager ... who was away on a course and could not be contacted by phone. I pointed out at their FX bureau adjacent to instore "bank" but then again they declined to help. Both employees seemed powerless to take any initiative. After much waiting and arguing, I tranferred money to my wife's bank (HSBC) and withdrew it from there the next morning. from this experience I have learned never again to bank with a retailer. Bank only with a proper bank. Reviewed on: 6th June 2016

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