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M&S Bank - Marks and Spencer reviews

M&S Bank - Marks and Spencer Logo
Rated Poor 2.46/5

M&S Bank - Marks and Spencer reviews

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Unverified business
Last reviewed within 7 days
  • FCA approved and regulated
    FCA approved and regulated
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website
  • 24/7 customer support via phone, live chat or social media
    24/7 customer support via phone, live chat or social media
  • Provides paperless statements and documents
    Provides paperless statements and documents

Review summary

People rate this company as Poor based on 600 product reviews

Average score of 2.46/5
5 star
28%
4 star
12%
3 star
5%
2 star
6%
1 star
49%
Reviews for M&S Bank - Marks and Spencer have trended negatively over the past 90 days

Latest positive rating

5/5

Brilliant transaction - no problem

I was a bit reluctant to take out a loan with M&S after reading many negative reviews but I can honestly say it has been... I was a bit reluctant to take out a loan with M&S after reading many negative reviews but I can honestly say it has been the best loan application I have ever made. It was simple and easy to do and I have the money in my account two days later - brilliant - well done M&S!! Read more Read less

{"display":"Trish","full_name":"Trish","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Personal loan
Trish 30th July 2025

Latest negative rating

1/5

stay clear poor service

changed car registration on line was charged 25 pounds for doing it , took 3 mins ms car insurance , absolute robbery , will not... changed car registration on line was charged 25 pounds for doing it , took 3 mins ms car insurance , absolute robbery , will not be renewing even if they are cheaper than any one else Read more Read less

About M&S Bank - Marks and Spencer

M&S Bank launched in 2012, on the foundations of M&S Money.

Marks & Spencer first financial product was launched in 1985 - the M&S Chargecard. Today, M&S Bank has grown from only offering one card to a financial services provider with a wide range products.

M&S Bank offer a range of loans, savings and general insurance products.

M&S Bank - Marks and Spencer at a glance

Contact details

Phone
0345 600 5860
Main address
M&S Bank, PO Box 325, Wymondham, NR18 8GW
Social media

Reviews for M&S Bank - Marks and Spencer

Showing 11 of 600 company reviews Last reviewed within 7 days

stay clear poor service

Car insurance 4th August 2025

changed car registration on line was charged 25 pounds for doing it , took 3 mins ms car insurance , absolute robbery , will not... changed car registration on line was charged 25 pounds for doing it , took 3 mins ms car insurance , absolute robbery , will not be renewing even if they are cheaper than any one else Read more Read less

Rated Terrible 1/5
Read more product reviews

Brilliant transaction - no problem

Personal loan 30th July 2025

I was a bit reluctant to take out a loan with M&S after reading many negative reviews but I can honestly say it has been... I was a bit reluctant to take out a loan with M&S after reading many negative reviews but I can honestly say it has been the best loan application I have ever made. It was simple and easy to do and I have the money in my account two days later - brilliant - well done M&S!! Read more Read less

Rated Excellent 5/5
Read more product reviews
  • 1/5

    Awful service, AVOID!

    Awful service. They emailed an invalid address (which they later admitted was their error and a typo) saying I had 4 hours to reply or... Awful service. They emailed an invalid address (which they later admitted was their error and a typo) saying I had 4 hours to reply or they'd escalate. How could I reply when they didn't actually email me? They then said that since it was an honest mistake that they'd done nothing wrong in escalating as I hadn't replied. To an email they didn't actually send me. They are disputing what my vet says as they believe they know better, and their lack of attention to detail has also seen them email me the wrong contact information (Tesco pet insurance instead of M&S, they provide service for all). AVOID!!! Read more Read less

    {"display":"Fi M","full_name":"Fi M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Pet insurance
    Fi M 24th July 2025
  • 1/5

    good-bye M&S Home & Contents insurance. Rip-off

    Have had M&S home and contents insurance for many years. Last year they raised the price by nearly 30% and I just left it as... Have had M&S home and contents insurance for many years. Last year they raised the price by nearly 30% and I just left it as the market index had increased. This time the index had no change but M&S want to raise it 25% again. They do not care at all and wont listen. I have had enough of this rip-off now as they clearly penalise you for not shopping around. Read more Read less

    {"display":"GR","full_name":"GR","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Home Insurance
    GR 22nd July 2025
  • 1/5

    Shocking service

    I’ve held an M&S credit card for years but will give it up now due to terrible customer service. Resolution procedure seems to have been... I’ve held an M&S credit card for years but will give it up now due to terrible customer service. Resolution procedure seems to have been shipped to Asia making it very hard to understand and conversation. My problem was down to a hotel room being booked but then cancelled. The hotel waived the booking but Booking.com still charged me. M&S said because Booking.com gave a partial credit they would not be taking my enquiry any further. I did not stay in the hotel, the hotel were paid nothing but Booking.com and Marks & Spencer Bank made money from me in charges for no goods. Be warned Read more Read less

    {"display":"Susan W","full_name":"Susan W","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    Susan W 20th June 2025
  • 5/5

    Low premiums for 5 years

    I have had home contents insurance with M&S Bank for 5 years and the premiums have stayed very low. That's all I can say, as... I have had home contents insurance with M&S Bank for 5 years and the premiums have stayed very low. That's all I can say, as I have not had to contact them for any reason, let alone make a claim. Read more Read less

  • 1/5

    Premium skyrocketed in price without ever claiming o...

    Premium skyrocketed in price without ever claiming on it previously. When I complained and spoke to customer service it was very much a 'computer says... Premium skyrocketed in price without ever claiming on it previously. When I complained and spoke to customer service it was very much a 'computer says no' we can't do anything about it response. Real shame as the policy was good. Read more Read less

  • 3/5

    &more rewards hit and miss

    It is getting hit and miss whether your &more show up. It is no use advertising a 1% reward and then not hitting your statement.... It is getting hit and miss whether your &more show up. It is no use advertising a 1% reward and then not hitting your statement. I have gone back to non-brand credit cards which offer less cash back (0.5%) but it least it reliably turns up Read more Read less

    {"display":"Phil","full_name":"Phil","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    Phil 16th June 2025
  • 5/5

    Never had any problems and the rewards are good

    Never had any problems using their credit card and enjoy spending the rewards

    {"display":"Margaret","full_name":"Margaret","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    Margaret 13th June 2025
  • 5/5

    Very happy with them as a whole, always easy to get...

    Very happy with them as a whole, always easy to get hold of on the phone! So far they’ve honoured their word and sorted out... Very happy with them as a whole, always easy to get hold of on the phone! So far they’ve honoured their word and sorted out any issues I’ve faced rapidly. Can’t fault them! Read more Read less

    {"display":"Robyn Smith","full_name":"Robyn Smith","avatar":{"url":"\/assets\/uploads\/avatars\/users\/734086.png"}}'s avatar
    Credit card
    Robyn Smith 13th June 2025
  • 5/5

    Excellent customer ssrvice

    When I had a problem getting a deposit back for a wet room from a company who let me down they were brilliant, defunded my... When I had a problem getting a deposit back for a wet room from a company who let me down they were brilliant, defunded my money and sorted it out with the supplier Read more Read less

    {"display":"Eve Cain","full_name":"Eve Cain","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    Eve Cain 12th June 2025

    Products from M&S Bank - Marks and Spencer

    Showing products offered by M&S Bank - Marks and Spencer

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