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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)

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

getting better

After the initial teething problems things are now improving. Just one or two quibbles, nothing to warrant complaining about. The app does not use fingerprint sign in, nor can you review login info incase of typos. Pass unit is annoying at times. But otherwise I am happy. Reviewed on: 25th September 2018

"New-fashioned banking"? Old-fashioned incompetence!

I wish had read these reviews before switching - in fact I (almost) wish I'd stayed with TSB! I should have heeded the warning signs, when it took three long phone calls, three application forms and over six weeks to actually open the account. The little code generator is a joke - First Direct (also part of HSBC) ditched these years ago for phone-generated codes and even then they're only needed for some transactions. How can I make any transactions away from home without taking this stupid little object around with me? Ah, the mobile app! - no, can't do anything except see my balance and recent transactions. Today, a paper statement turned up - I haven't seen one of these for at least 5 years! So, I go online to get my statements changed to online only. "Not available yet" Not that keen to save the planet, are we, M & S? I will be switching again as soon as I can. Reviewed on: 30th August 2018

Still waiting

Never had to wait so long to switch bank account. Probs about 7 weeks now Reviewed on: 8th August 2018

Did I make a mistake?

At the end of the online application I was told I was successful. I hear nothing from them so called after 2 weeks only to be told that the form I returned was not complete. Sent in another. Heard nothing. After another 2 weeks was told that I was in the process of having the account set up. Finally got account number, debit card and pin 6 weeks after original application. I can see my account online but cannot get access. Received a letter today telling me that I should get access this afternoon. No such luck. Called again was told that they are having software problems. That I would definitely get access on Friday. Also told that there would me a new signing on process in which I must use the 'dongle' each time I want access. Finally got the account set up only to find the dongle is difficult to use. Still waiting for thje swich Reviewed on: 27th June 2018

Customer service appalling

I had a dispute regarding £400 not dispensed from cash point. M&S customer service initially were helpful and credited my account pending investigation. 7 months later a message was left on my voicemail to call them. I called and spoke to customer service rep who informed me they decided against me and debited the £400 money that day. They refused to put me through to disputes team as they do not speak to their customers apparently. left holding and holding while customer service rep spoke to them. Never received anything in writing about the investigation. When I wrote to complain got bog standard letter saying hope complaint resolved. I am still £400 out of pocket after trusting my money with M&S bank. When I tried to call and speak to them none of customer service team wanted to investigate or help. Lastly, I do not make a point of complaining publicly but I have never encountered such systematically poor customer service. Reviewed on: 22nd June 2018

Not helpful at all to open a basic account

Trying to open an account without requesting credit cards for my wife has been a mission impossible. Asking same question in three different occasions. Very unprofessional. She decided to cancel her application in Mark&Spencer after waiting almost 1 month. Finally opened one at HSBC. M&S doesn’t understand bank business. It’s no a professional bank. Don’t waste time with them Reviewed on: 15th June 2018

Couldn't even get the application right!

It took over two months to process my application. They asked additional information twice and then rejected me! I have a mortgage! No other debts or loans and a full time job. I'm pretty sure if I can get a mortgage, I can qualify for an M&S account. And believe me, applying for a mortgage was faster, easier and less annoying. Reviewed on: 12th June 2018

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