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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)

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

Don't botherswitching.

Having the same problem. Recently switched and my pension is 2 weeks late. Sent a secure message and reply was that they could see no sign of it in my Marks c/a transactions. Yes, that's why I contacted you !!! What a joke. Phoned customer services to ask how I could deposit money or cheques. She hadn't got a Scooby what I was asking for. (outsourced) If this is the shape of things to come, I'm off. Reviewed on: 16th May 2016

Hard to get in touch with

Switched to M&S current account. Find them hard to get hold of on the phone- 15 minute waits on several occasions. Also, one of my Direct Debits failed to transfer properly, and the response from M&S was that it wasn't their fault- I was to contact the relevant payee myself. Not impressed! Not seemless! Thinking of switching away again already. Reviewed on: 4th May 2016

Had an issue paying into my account, they couldn't have been any more helpful

I had an issue with paying cash into my account following my card expiring. The staff bent over backwards to ensure I was dealt with quickly. The small details made the difference. They knew I was in a hurry, so dealt accordingly. Made sure I was comfortable and gave me a drink while they resolved the issue. Each time I deal with the staff both in Branch at the Manchester M&S Store or on the phone, it's a great experience. Reviewed on: 28th April 2016

No communication

Applied online for a new current account as there was on offer of £100 giftcard then £10 a month for 12 months. I received a standard email saying they will contact me within 3 days if they require further information. I received no further contact. I have called up today, 2 months later to find out what is happening only to be told I was sent an email asking for further information and my application closed after 13 days. I received no email or phone call asking for further information and now have to apply again if I want an account and the original offer is no longer running. Waste of time. Reviewed on: 27th April 2016

Great customer service

I've been a customer for 3 years and Im really happy with M&S Bank. It's really easy to talk to a customer service advisor if you need to and they're really helpful. Staff in branch are friendly and helpful too. Good rates and simple to use online banking, as well as the app. Reviewed on: 21st April 2016

First call to them. 25 minutes later, no answer.

I was called by M&S to go through the switching process. They required 2 pieces of information and finally got a space in my day to call them. After 25 minutes I gave up. Livid!! Now on hold again while I write this review. My previous bank answered the phone within seconds every time. Looks like I may have made a mistake. Also. The banking app shows only the last 6 transactions. What's that about ?? You also need to use their little authentication device to generate a code every time you log in online. Who the hell wants to carry one of those around when we live in the 21st century where better banks have an app to do this. Really really annoyed with this!!! Reviewed on: 16th April 2016

Average wait time at least 25 minutes....

I can never get through to their customer service team. My account has been opened but i need to ring to complete the switch, but just wait and wait and wait. It is so frustrating and really poor customer service. When they say it is an average wait of 25 minutes this seems to be wrong. I have waited in excess of 40 minutes on several occasions. It appears as though they do not have enough staff to process their switch volumes, which is really impacting the new customer experience. I really hoped it would be better than this... Reviewed on: 7th April 2016

Dreadful Experience

Tried to contact waited for 15 mins no answer. Tried to make a payment online came back with couldn't action my request "contact them". Tried to change a direct debit to sort out a problem, there is no option to amend a dd. Go online to increase credit card limit, comes up with contact them again. Tried to email them twice with no reply! Try to contact them where you get the message "you can manage your account online"!!!!! waited 20 mins no answer. It's like banging your head on a brick wall. My advice don't change your account to them it's completely hopeless. I only moved a couple of months ago & wish I hadn't. Reviewed on: 6th April 2016

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