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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)

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

Awful!

I ignored all the bad reviews and have made the biggest mistake transferring to them. They are worst than awful. Opened a bank account, credit card, home insurance and saving account with them and now need a loan that they have refused. Their security checks for the opening of the bank account and the credit card have gone against my excellent credit score. How ridiculous is that. Joined in Oct 18 leaving Feb 19. Forget all the freebies they offer when you join as you'll eventually pay for them. Reviewed on: 1st February 2019

Rewarding Bank

I feel valued as a customer and I get rewarded every month without having to pay a fee for the reward. The bank understands my individual needs and listens. I would recommend it to my friends and family. Reviewed on: 21st January 2019

Competitive Account but Internet banking and App lets it down

See the title , every time you need to do anything via internet or app it is antiquated and lags behind every bank I have ever experienced. Just spent an hour trying to make a transfer between accounts then had to try standing order, eventually had to call them who were fine but still time wasted for something straight forward. Please invest in a user friendly system soon Reviewed on: 11th January 2019

Good banking

Great customer service. Excellent gift voucher incentive for switching. Highly recommend Reviewed on: 1st January 2019

App needs work

It's been OK but logging into internet banking online is a pain because you have to use the little calculator-like machine to get codes etc. I can use Touch ID to get in on my phone, but not all the funcionalities are not on the phone app, for example managing direct debits. Reviewed on: 1st January 2019

Banking made HARD

Having switched over i am now completely regretting it. - Had problems during the switch where my pay was lost (M&S did nothing to help this despite advertising they handle it all) - The app is useless you cant do anything on it bar review a month of transactions - You have to use an old school device to get into internet banking and it has to be the one sent to you originally otherwise it doesn't work - You get sent piles and piles of paper rather than anything available online. This has to be one of the most backwards banks out there which is completely not what is advertised Reviewed on: 5th December 2018

App needs more features

M&S doesn't really support mobile banking, you can just about move money and see a few transactions but that's about it. That's if the app will load at all. Reviewed on: 11th November 2018

Convenient banking

Helpful staff, no long queues, convenient and accessible while shopping. Reviewed on: 9th November 2018

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