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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

RECOMMEND THE CURRENT A/C

STRAIGTHFORWARD THE BANK DID THE SWITCH, HAPPY WITH THE A/C Reviewed on: 6th November 2017

Helpful but feel like they are still behind

Every member of staff I deal with is really helpful. However, I feel that they need to get more of what customers need. The only way I can transfer money is via online banking. In this age I expect to be able to access everything through mobile banking and an app. Reviewed on: 5th November 2017

Easy to switch and great customer service

I recently switched to M&S Bank to receive the switching bonus that they offered. This was great, and they top up my M&S gift card by £5 if I deposit over £1,000 into the account in a month. Every person I've spoken to on the 24/7 phone line has been super helpful and friendly. The only downside is that the mobile app is a bit limited. You can't pay someone through the app for instance. Reviewed on: 3rd November 2017

Do not touch any M and S financial services with a barge pole

I switched a few years ago and it has been the only bank account that I have held which has been repeatedly compromised. Have had enough and am closing this account, as well as the credit card account which also has had similar problems. While I’m at it, I would not recommend the car insurance either. Extremely poor service on all fronts. M and S should stick to clothes and food. Reviewed on: 25th October 2017

Messed up switch resulted in me not receiving the M&S card given as an incentive.

The switch went really badly both in store and on the phone. Nearly 2 months after switching I have been advised I will not receive my M&S card with £125 on it because my direct debits had not gone over in time. I will be closing the account and moving it elsewhere. Reviewed on: 14th October 2017

Enticed with offers but incredibly poor setup

Online and phone banking are so painful, as soon as I have cleared the balance of this card I'm shutting it down again. M&S you need to invest in some proper IT and web-design, there is nothing 'new-fashioned' about your approach to banking Reviewed on: 3rd October 2017

Dreadful Telephone banking, Dreadful On-line banking, Dreadful Customer Service

M&S bank offer a huge incentive to switch banks, so I did. After jumping through all the hoops and opening a sole and a joint account I discovered the M&S Telephone banking service is shockingly bad; it takes an age to work through layers of choices, before being forced to listen to the slow delivery of your current balance and then the slow delivery of your available balance...... then holding for an eternity whilst the telephonist becomes available. And I only use M&S Telephone banking when their on-line banking 'service' drives me to it. The on-line service is 19th century; I go to the log-on page; I enter my user-name and click continue to be bounced out with a message about this being the wrong log-on page, presenting me with an identical page where I can, again, enter my user-name. When I do manage to log on I can't find what I need (I have worked in IT for decades and have on-line accounts with more than ten banks - the M&S banking site is not intuitive). 'Hanah', the automated helper, is no help at all. Eventually I log-out and Google M&S ISA, and go to apply on line. After pages of forms about my antecedents and heritage I am presented with the last page, click 'continue' and I'm back to the start page, all information lost. I use the 'secure messaging system' to complain. At the end of my tirade it refuses my complaint pointing out it doesn't do semi-colons; then colons; then dashes...... finally it promises attention within 48 hours - if there aren't too many complaints. Four days later and no reply; I telephone - I'll have a response before close of business today (yesterday). Today, still no response. I thank God I didn't switch my First Direct accounts. Reviewed on: 30th September 2017

Rubbish banking Webb site

The Banking Webb site is rubbish every time I go to log in it ask me a password for a question I have not set up answer too reset password and security questions but it still happen customer assistance not good Reviewed on: 24th September 2017

High rate monthly saver ...... where is my savings after 12 months!!!!??????

After 12 long months of savings into high rate monthly saver, M&S bank have taken all the money from my account and have not even transferred the amount into my current account. Have complained and non reply and god knows where is my money gone...£3000???????!!!!!! pus my interest on it Reviewed on: 1st September 2017

Rubbish customer service

Took out a credit card on Saturday, used it twice and then it was refused. Telephoned M&S and was told it had been cancelled the day it was issued - impossible as I had used it twice! Reactivated card and promised to look into the problem. Nothing further heard. Wrote to M&S "customer service." Nothing heard. Paid off account, e-mailed cancellation and requested confirmation that account closed. Nothing heard. E-mailed again - guess what nothing heard. Given up and filed under "Hopeless". Reviewed on: 8th August 2017

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