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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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2.52

Based on 154 reviews, last reviewed 19th Apr 2025

No new 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:

Plain awful customer service - 30/35 minutes waiting in telephone queue.... avoid!

If you are planning to switch to M&S Bank to take advantage of their joining incentives - beware! I have had the most awful experience with this company after only a few days of switching over that I am already planning to switch right back to my previous bank. Typically, the wait time to speak to their customer service on the phone is 30 / 35 minutes which is time I can ill afford to lose in my busy day. Often I have hung up after waiting for this length of time as I just couldn't hang on any longer. Aghast at the most recent delays, I went online and left an electronic message to ask for someone to call me back as I had spent enough time on the phone waiting already. That was 2 weeks ago and I haven't received a call-back since. In my many years of using online banking, this service is the worst I've ever experienced. In order to balance things up here, I do accept they have been inundated with new account applications, but this should have been anticipated in advance and staff brought in to deal with the deluge of new business BEFORE the service levels went down the toilet. So if you are seduced by the prospect of the switch-over incentives, and you have lots of free time in your day to hang around for half an hour or longer on the phone just to speak with an agent, then you might be fine with it. I’m not and I’m voting with my feet and intend to switch back to my previous bank where the customer service has always been excellent. This whole exercise has been a complete disaster and a complete waste of my time. Reviewed on: 12th March 2016

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

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

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