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M&S Bank - Marks and Spencer reviews

M&S Bank - Marks and Spencer Logo
Rated Poor • 2.44/5

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 610 product reviews

Average score of 2.44/5
5 star
28%
4 star
11%
3 star
5%
2 star
6%
1 star
50%
Reviews for M&S Bank - Marks and Spencer have trended positively over the past 90 days

Latest positive rating

5/5

a great product, shame they are discontinuing it

a great product, shame they are discontinuing it

{"display":"Philip Greenwood","full_name":"Philip Greenwood","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar

Latest negative rating

1/5

Shame I can't give them zero.

Shame I can't give them zero. Totally appalling experience and stress caused . They use Aviva which use Sedgwick and Homeserve. Too many people, no... Shame I can't give them zero. Totally appalling experience and stress caused . They use Aviva which use Sedgwick and Homeserve. Too many people, no one communicates or listens and they try to deny the claim but clutching at straws and getting the wrong end of the stock because they don't read things properly.. They also appoint incompetent contractors, one came to us and failed to identify the source of the problem. He concluded it was cased by something that he temoorarily fixed ,but it was not even connected and continued to cause damage for many more weeks . Still battling with them and when it is all concluded they will be taken to task on every point of concern I have and we won't use them again . Avoid if you can, you will be very thankful if you ever need to claim . The proof is in how they handle your claim and I have 1st hand experience. Probably the worst set of companies I've ever dealt with. Read more Read less

{"display":"Anna","full_name":"Anna","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Home insurance
Anna 19th September 2025
See more reviews for M&S Bank - Marks and Spencer products

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 610 company reviews • Last reviewed within 7 days

Shame I can't give them zero.

Home insurance • 19th September 2025

Shame I can't give them zero. Totally appalling experience and stress caused . They use Aviva which use Sedgwick and Homeserve. Too many people, no... Shame I can't give them zero. Totally appalling experience and stress caused . They use Aviva which use Sedgwick and Homeserve. Too many people, no one communicates or listens and they try to deny the claim but clutching at straws and getting the wrong end of the stock because they don't read things properly.. They also appoint incompetent contractors, one came to us and failed to identify the source of the problem. He concluded it was cased by something that he temoorarily fixed ,but it was not even connected and continued to cause damage for many more weeks . Still battling with them and when it is all concluded they will be taken to task on every point of concern I have and we won't use them again . Avoid if you can, you will be very thankful if you ever need to claim . The proof is in how they handle your claim and I have 1st hand experience. Probably the worst set of companies I've ever dealt with. Read more Read less

{"display":"Anna","full_name":"Anna","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Terrible • 1/5
Read more product reviews

M&S Travel Insurance - shocking service from Aviva

Travel Insurance • 16th September 2025

Tried to report a new medical condition prior to departing on holiday this coming Sat 20.09.25. My husband fractured his 5th metatarsal at the gym... Tried to report a new medical condition prior to departing on holiday this coming Sat 20.09.25. My husband fractured his 5th metatarsal at the gym 2 weeks ago and needs to be in a boot for a further 4 weeks, no medication involved or even a follow up needed. It has been confirmed that he is fit to travel by the medical professional he saw at A&E. My call handler was lovely but unfortunately very difficult to understand and she couldn't when questioned confirm whether my husband was insured to fly even though she was asking for an additional premium! It was like dealing with a UK politician! I eventually managed to get redirected to what I assume was a UK based line manager who was able to resolve and confirm that the fee I had been quoted did not cover the fractured foot which was what I was trying to ascertain. Therefore, I was actually liable for a higher additional premium which I reluctantly paid. Only took me over an hour and a half on the phone to resolve! When did something so simple become such hard work? M&S Travel Insurance has always been so easy to navigate and when we had to make a claim several years ago for my teenage son who suffered a concussion whilst skiing in France, they went above an beyond checking in each day on us and his progress. Just hope that if we do need to make a claim that the service is not as shoddy as the experience to update our medical details. We are now tied into M&S Travel Insurance with Aviva for further 12 months now but will definitely be shopping around for a more reliable and professional provider come this time next year. Read more Read less

{"display":"L B","full_name":"L B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
L B
Rated Terrible • 1/5
Read more product reviews
  • 2/5

    applied for a loan then within my rights decided I n...

    applied for a loan then within my rights decided I no longer needed it. followed the instructions on the T&Cs to settle/cancel it to the... applied for a loan then within my rights decided I no longer needed it. followed the instructions on the T&Cs to settle/cancel it to the letter. followed instructions from their customer service on the phone to return the money even though I was dubious that it didn't sound very 'official'. Paid the full amount back and they took loan repayments for the next two months anyway. Damaged credit score. No apologies or compensation for the loss of interest on my bank balance during this period or any inconvenience it may have caused me. Read more Read less

    {"display":"SrS","full_name":"SrS","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Personal loan
    SrS 9th September 2025
  • 1/5

    Horrendous experience.

    Horrendous experience. I was charged £650 for a 2 bedroom flat in London for home content insurance, which was already on the more expensive side... Horrendous experience. I was charged £650 for a 2 bedroom flat in London for home content insurance, which was already on the more expensive side as I have never filed any claims previously. I filed for a claim for theft of jewellery last week, and the underwriters team said I failed to disclose an enquiry I made with a previous home insurer about a smashed phone screen, which they said would have made my premium go from £650 to £1000. I never even filed a claim for the smashed iPhone screen - it was a mere enquiry, which by the policy documents, you are not required to disclose. They are now only paying a small % of my claim, despite it being an extremely valuable piece of jewellery. I am complaining to the FOS and also to M&S but please avoid at all cost. Read more Read less

    {"display":"Sarika Shah","full_name":"Sarika Shah","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1299639.png"}}'s avatar
    Home insurance
    Sarika Shah 9th September 2025
  • 5/5

    a great product, shame they are discontinuing it

    a great product, shame they are discontinuing it

    {"display":"Philip Greenwood","full_name":"Philip Greenwood","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Home and content insurance

    Been with them for over 5years and is the best value home and content insurance

    {"display":"nigel c","full_name":"nigel c","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Home insurance
    nigel c 5th September 2025
  • 1/5

    I called to change the address, the person who answe...

    I called to change the address, the person who answered my call took my new address and she didn’t update the system with my new... I called to change the address, the person who answered my call took my new address and she didn’t update the system with my new address, an act of incompetence, and disinterest towards her job .and a mess up with letters which were sent to the old address rather than the new address that I have provided to them. I will never use them again Read more Read less

    {"display":"Valentina S","full_name":"Valentina S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car insurance
    Valentina S 4th September 2025
  • 5/5

    Best around would let my friend and family

    Best around would let my friend and family

    {"display":"Melanie l","full_name":"Melanie l","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Personal loan
    Melanie l 25th August 2025
  • 1/5

    Updated my car insurance today having changed my giv...

    Updated my car insurance today having changed my given a quote along with a £25 admin fee. Policy came through with my old car details... Updated my car insurance today having changed my given a quote along with a £25 admin fee. Policy came through with my old car details on. When contacting them I was quoted double! Read more Read less

    {"display":"Lyn h","full_name":"Lyn h","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car insurance
    Lyn h 11th August 2025
  • 1/5

    Cant pay cc in store colossal mistake ..

    Today I receive letter telling me I can no longer pay in store!!!! Now has to be a DD or online banking . I don’t... Today I receive letter telling me I can no longer pay in store!!!! Now has to be a DD or online banking . I don’t like online banking plus many people don’t have access to a computer shame on you M&S from being a customer for many years I will now cancel my card your loss ! Another colossal mistake ! You have not only lost sales but a customer and probably quite a few more. M&S are not the cheapest but we’re convenient. No longer more hassle than your worth. Read more Read less

    {"display":"Julie s","full_name":"Julie s","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    Julie s 8th August 2025
  • 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

    {"display":"kevin doyle","full_name":"kevin doyle","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar

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