Write a review

Go to business site

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

Name: Current Account
Rating: 2.52 (156 reviews)

View other M&S Bank - Marks and Spencer products

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

Read all reviews Write a review

About this product

M&S Bank no longer offers current accounts.

Review M&S Bank - Marks and Spencer: Current Account now

Help others make smarter decisions by sharing your own experience.

Write a review

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

Poor online banking!

Having used Barclays for over 10 years and being annoyed by poor customer service and m&s offering cashback service as well as preferential rates on credit cards I took the plunge and moved over. My nearest M&S bank is about 50 miles so more than ever I need to rely upon a good banking app (I can't always get access to a laptop). I've used banking apps for both natwest and Barclays for about 8 years and apart from the odd transaction I've done the majority of banking this way, with little to no need to visit a bank. Unfortunately for a company which is predominantly online (due to the lack of physical banks), the service is poor. The website is easy enough to use. You are given a card reader and it feels secure. But it doesn't have a proper banking app. This for me is a massive let down. It has a balance checking app and you can check your last 5 transactions but that's it. You can't transfer money, you can't check for payments in and out. For me this is a game changer and I'm considering changing banks again. I need to be able to shift money around and pay things when I'm out and about. With m&s I can't do that. I don't have constant access to a laptop so rely on apps. I've tried telephone banking but after being on hold for nearly an hour and finding that the number I was given didn't even work ( you basically get stuck on hold). The rates on the overdraft are good, think I get charged if I go more than £100 into a £500 overdraft, so I don't have the big charges from some banks when I accidentally dip into my overdraft during the month. Reviewed on: 29th December 2016

Joint current account

We have an M & S joint current account that we use for household expenditure, bills etc. They have been pretty easy to deal with, although I find the online baking system is not the most user friendly. But the free vouchers when signing up are very good! Reviewed on: 24th December 2016

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

Do you have a different M&S Bank - Marks and Spencer product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Current Account
from Smile Bank 4.07 from 111 reviews
Personal Current Account
from Bank of Ireland 4.35 from 14 reviews
Gold account
from NatWest 4.48 from 365 reviews

Want to see more from M&S Bank - Marks and Spencer?

Fixed Rate Savings
from M&S Bank - Marks and Spencer 5.00 from 1 reviews
Everyday Savings
from M&S Bank - Marks and Spencer 5.00 from 1 reviews
Monthly Saver
from M&S Bank - Marks and Spencer 4.46 from 7 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub