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

Name: Current Account
Rating: 2.47 (153 reviews)

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2.46

Based on 153 reviews, last reviewed 24th Aug 2023

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

24%

11%

53%

Latest highest rating:

5

they are good I like them very much and I think they have the best quality Reviewed on: 3rd April 2023

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 (153)

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

Farce

We were drawn to the account by the generous switching bonus so moved our joint account, but had we known how hard we'd have to work to get it we'd have thought twice. Pretty much everything that could go wrong did: they couldn't find me through credit search (other banks have with no probs) so we had to make a 50 mile round trip to the nearest branch to prove my identity...where they kept us waiting over an hour, because the address was slightly different on my two identifying letters...not different relevant details mind you, just one said 'Durham' and one said 'Durham, County Durham'. When I tried to explain that given the house number and postcode were the same the rest was irrelevant they talked over me, patronised me then left me unattended for ages while they went to phone someone about it..meanwhile due to the partitioned cubicle set up I could hear them greeting other customers (no privacy!) and offering them hot drinks - I wasn't offered so much as a cup of water despite being kept there much longer, which hardly seemed fair. Eventually everything was sorted and we went home, thinking our troubles were over. If only! The joining incentive wasn't paid correctly so I had to chase it up (took several phonecalls), my husband's bank card didn't work, the M&S reward scheme points didn't track properly on at least two occasions, the online banking page was often out of action...had high hopes for this account, but sadly not impressed and will be switching again soon. Reviewed on: 18th February 2016

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

Excellent service

They cannot do enough to help in every way. Reviewed on: 6th November 2018

Would give zero stars if I could - application cancelled

Waited over two weeks for them to start processing my application, received a text to call for more information. 1st call - 17 minutes to be transferred (and cut off), second call - success! But the information I had put on the form didn't add up - my annual salary before tax and my monthly after tax didn't add up... I assured them the numbers were right - after all I have numerous work benefits that come out of monthly. They wanted to fully explore to protect the bank and me. Not for me, sorry. Never had this much trouble opening a bank account. Cancelled my application there and then and staying with First Direct who answer in a few rings! Reviewed on: 4th October 2018

Slow, and Beware the Log-on Hindrance Device

Switched to M&S Bank for the offer of an M&S voucher card. The switching process and receipt of the voucher has been very slow with minimal communication. M&S Bank is very old school - lots of fairly useless paper and booklets get posted to you but very little by way of email updates during the switch. However the most annoying issue by far, is the use of an old-school style authentication device which is needed to log in to the online banking. This is often needed as their iOS banking app is restricted in terms of functionality. Why on earth banks still expect you to carry one of these is beyond me, and in the M&S case even more bizarre since the service is essentially provided by HSBC, who have moved to a mobile-phone based authentication service. I will be switching again.... once the voucher arrives anyway. Reviewed on: 4th October 2018

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