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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.

M&S Bank - Marks and Spencer Current Account reviews (154)

Review of the M&S Bank - Marks and Spencer, Current Account:

Good bank account

The application process is slow. Once opened, though, the online bank is simple and easy to use, and the customer service is excellent Reviewed on: 25th August 2015

APP IS AWFUL!!!

I hate the app - it’s actually got worse since the new update as it’s lost all my payees and the new process for generating a code gives you 8 seconds to type it in which is far too short for me, and I know what I’m doing so I dread to think how elderly/vulnerable people are coping. Reviewed on: 3rd January 2020

Horrible Online banking experience

The website appears to have several bugs or failings that have not been fixed for weeks. The code generator for verifying payments etc is horrible. Tiny buttons, plus users cannot replace the battery, so it would be very inconvenient if the battery died while abroad, the account would be inaccessible. (I have a Nationwide one where user can replace the battery) Reviewed on: 21st December 2019

TRANSFERS BETWEEN ACCOUNTS

M&S is probably the worst bank I have ever been with. I cannot transfer funds from my Current Account directly to my Credit Card account. When asked why, I was told I could use my M&S debit card which would take around 2 or more days. This is daft when nearly all other banks allow this simple transfer between accounts. Reviewed on: 19th December 2019

M&S Current Account App

M&S have introduced what should be a better banking experiencing but Online banking and the App, compared to other banks is very Poor. I understand that security has to be paramount, but existing DD and SO I have to log in via website and the card reader before I can go via App. Come on M&S all those details should have been transferred over immediately like other banking apps. I hate to say it but I am very close to closing my account. Reviewed on: 12th December 2019

M&S Current Account

Very tedious login mechanic where you always need to have a pin device to use online banking. Reviewed on: 23rd November 2019

Worst bank possible

Only leaving 1 star because I can't leave 0 stars! Everything they could mess up on, they have done. I have a M&S loan and an M&S joint account. It took them 3 months to set up the monthly repayments because they kept "losing my paperwork". Then they with held my wages for 5 days in a random floating account, leaving me unable to pay my mortgage. Then my grandmother gave me a £5k cheque which they took out of her account TWICE leaving her thousands of pounds overdrawn. They have now wrongly taken a £300 repayment off me 4 days early, also leaving me hundreds of pounds overdrawn. Their communication is awful, they're always losing paperwork, don't implicate any changes you make to your account. Nothing positive to say - AVOID!! Reviewed on: 28th October 2019

Online Banking and the App are so outdated

I've just moved my current account to M&S, and I regret the decision. I wanted to use the app for my banking, but the M&S app is so poor - it's basically a viewer of your statement. You cannot make payments or review Direct Debits or Standing Orders through the app - this is truly going back in time. Accesing my account online is painful too, having to use the mini keypad thing that you're obliged to carry around. M&S has a good reputation, but sadly not for banking in my experience. Reviewed on: 11th June 2019

Like going back in time!

I recently transferred my bank account to M&S and have been really disappointed. While I understand that security is paramount, you can't transfer money to someone from your mobile (if new) - you have to log-in via their website, and you can't do that without the stupid calculator-type thing! It is so annoying and I am regretting moving to them. Once it hits August, and my £5 a month of M&S vouchers is over, I will be moving to someone else sharpish. M&S needs to move with the times! Reviewed on: 3rd May 2019

CUSTOMER SERVICE POOR

Overlooked payment in March due to unclear statements online. Statement dates unclear and have been unable to pay them by faster payment previously as I do with all my other cards to ensure no late payments are ever made. Only method of payment was debit card which takes a few days yo clear. Be careful when using this card I have lost my confidence using their services Reviewed on: 6th April 2019

TIME WASTERS

Twice in 6 weeks I have had a transaction denied, both transactions were to well known UK companies. Customer services are conducted in some far off country where English is not the first language. It took quite some time to navigate through the telephone system, making the correct choices before getting to talk to someone. I am told my transactions were denied for ‘security purposes’. I’ve never, ever had an issue when I used a Tesco card or an Adam Bank card. So, M&S, Hear it here, I do not have time for your faff, or your second rate, third world based customer services. I will be cancelling my account. Reviewed on: 25th February 2019

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