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Rachel Long

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Review of the M&S Bank - Marks and Spencer, Current Account:

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Poor online banking!

Having used Barclays for over 10 years and being annoyed by poor customer service and m&s offering cashback service as well as preferential rates on credit cards I took the plunge and moved over. My nearest M&S bank is about 50 miles so more than ever I need to rely upon a good banking app (I can't always get access to a laptop). I've used banking apps for both natwest and Barclays for about 8 years and apart from the odd transaction I've done the majority of banking this way, with little to no need to visit a bank. Unfortunately for a company which is predominantly online (due to the lack of physical banks), the service is poor. The website is easy enough to use. You are given a card reader and it feels secure. But it doesn't have a proper banking app. This for me is a massive let down. It has a balance checking app and you can check your last 5 transactions but that's it. You can't transfer money, you can't check for payments in and out. For me this is a game changer and I'm considering changing banks again. I need to be able to shift money around and pay things when I'm out and about. With m&s I can't do that. I don't have constant access to a laptop so rely on apps. I've tried telephone banking but after being on hold for nearly an hour and finding that the number I was given didn't even work ( you basically get stuck on hold). The rates on the overdraft are good, think I get charged if I go more than £100 into a £500 overdraft, so I don't have the big charges from some banks when I accidentally dip into my overdraft during the month. Reviewed on: 29th December 2016

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