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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)

BEYOND MY KEN ...

Just spent frustrating 2 hours trying to use the 'physical' pass to access M&S credit card account via my laptop. Gave up - conflicting instructions e.g. 4 number password on gadget but 6 number required to online?! Went through 'Lock Pin' process still no joy. Rang someone in Far, Far Away Land who kept calling me Madam and was really not interested at all. Admitted defeat and installed their app on my tab which I didn't want to do. Minimal information (can't view transactions or change account info?) but made a payment which hopefully has gone through (no confirmation as such, will just have to check it's gone out of my bank account). Once payment cleared, closing acccount down- can't go through this stress every time. Reviewed on: 1st December 2020

Awful Bank

I had a credit card with M&S and I found their customer service to be severely lacking. Also their processes are way behind the times. The app and site UI is very very basic. Registering Apple Pay means you have to ring every time! All other competitors activate by text or email. Of course it’s an offshore call centre that take forever! When I wanted to close my account I filled in the form and never heard back!! They also will not close the account until your next statement date! The account is closed as I can see that on my credit file, but to this day, I’ve still never heard back from M&S to confirm it. Get a credit card elsewhere! Avoid! Reviewed on: 17th November 2020

Lost the will to live

Have spent over 2 hours trying to reactivity my online account and getting absolutely nowhere. Followed instructions on line and Then phoned them, first call sounded like the person was on another planet and couldn’t understand a word they said, second call I was told my account was unblocked, left it half an hour and retried, again it said it didn’t recognise my password and blocked me again. Went back on line to try and reset it again on to have a page with M&S Bank on the top but the rest of the page blank. I’ve now given up and intend to close my account and use my bank instead. Reviewed on: 1st October 2020

Accessing online banking

I have given up trying to access my account on line. They may have made it difficult for criminals but also for users! Reviewed on: 21st August 2020

Refused a current account

Refused a current account just because my income is low due to being made redundant. I have plenty of money in the bank luckily I'm not poor but this gives an insight into the disgusting preducice this bank has for the poor. My salary prior to being made unemployed was over 50k, I hope to report them. Reviewed on: 7th August 2020

Customer Service person was in the Philippines. Line kept breaking up.

Somehow I managed to lock my credit card. Helpline person was based in Philippines - I asked because I could hardly understand what he said and the line was dreadful. I now have new card. Trying to validate by their automatic line was a nightmare. Kept getting disconnected part way through and finally managed to speak to someone this morning who was able to do this. Really dislike the new security system for logging in. I am paying off my balance and then will be cancelling and cutting up cards. I have had their credit card for so many years - but this just isn't worth the hassle. I just wish I hadn't taken out their house insurance - they don't deserve the custom. Reviewed on: 6th August 2020

Disgusted and let down

My wife and I are absolutely disgusted at the lack of service and lies from M&S Bank. I spoke to the bank on the 30-7-20 to ask for funds to be transferred from our savings account to our lawyers to pay for the deposit on our new house (£207k). I was told they would have to transfer the funds into our current account and that someone from security would call us on the 31-7-20 to action the transfer. I was working and therefore asked them to call my wife that day to activate as she is joint account holder. This transaction was to enable us to exchange contracts for completion 7-8-20. To cut a long story very short, no call was received from the bank and despite numerous calls and promises it would be completed that day, the money is still sitting in our account! It's the lies that upset us the most and in these unprecedented times we could even deal with the family background noises as their staff are working from home. Who knows when our lawyers will receive our money and if we will even manage to complete next week. We've lost the will to be honest and M&S Bank, SHAME ON YOU..... Reviewed on: 1st August 2020

Great customer service all based in the North West very helpful love the app of all the banks that I deal with this is the best

Minor problem with activating a debit card which was really well handled by the staff and is now working perfectly thank you Reviewed on: 22nd June 2020

Great service

Got phone call allerting me to unusually large transaction, whcich was OK but I was reassured by the bank's vigilance. Also appreciated £81.61 interest on internet regular savings @ £250 per month Reviewed on: 8th February 2020

The App From The Pitts Of Hell

M&S clearly were on too many of their house sherry's when they employed such an inept technological team to design their banking app. A thoroughly horrible consumer experience. Want to transfer money?! It would be easier and less frustrating to send it in 1p coins via recorded delivery with the Royal Mail. Reviewed on: 4th February 2020

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