I’ve had my M&S card for many years and haven’t had too many issues with using the M&S Bank app other than when trying to adding it onto new IPads. I’ve found it difficult to send the required copy of... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Generally I find use of card and rewards very good. However, I have just completed a minimum spend for June for £10 reward vouchers. This has disappeared from app, but no vouchers added to my acco... See more
Company replied
I had this 12 month zero interest credit card with M&S. The process of applying and approval was fast and efficient. However, contrary to the custom, the bank didn't notify me when the 12 month was co... See more
Company replied
I’ve just entered a competition though Marks and Spencer’s credit card to win tickets to the BBC Proms. This is a fabulous opportunity and it was so easy to choose which event and enter. It’s a reall... See more
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Company details
Written by the company
M&S Bank launched in Autumn 2012, built on the foundations of M&S Money, which provided a range of financial products and great customer service for over 25 years. We aim to put you first and provide straightforward financial products and great customer service. We’re committed to building lasting relationships with everyone who banks with us by being truly focused on you, the customer.
Contact info
M&S Bank, PO Box 325, NR18 8GW, Wymondham, United Kingdom
- bank.marksandspencer.com
4.0
Great
4K reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 99% of negative reviews
Typically replies within 24 hours
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I am very happy with the M&S Card and Banking App
I am very happy with the M&S Card and Banking APP.
It did take me a couple of months to get the hang of using the App,but now is no problem. I have always had great service when I have needed to speak with them over the phone although a lot less since using the App.
The M&S team whether shop or Head Office have always given good service. Thank you and long may it remain.
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Richard, thanks so much for your wonderful review. I'm so glad to hear you're getting used to our app, it does make things easier. We're always here to help, whenever you need us. Thanks – Elena
I been at M&S along time and never had…
I been at M&S along time and never had any problems with them.
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Rufina, thanks so much for your wonderful review and for being a loyal customer, we're always here to help! Thanks – Elena
Professional service and everything…
Professional service and everything went smoothly
6 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Sharon, thank you so much for taking the time to leave us a review. It's great to hear that everything went smoothly for you! Thanks - Elena
I have had a M&S card for many years…
I have had a M&S card for many years and always been very happy i initially got it for when I was abroad or emergencies and decided to keep it I mostly do online shopping with it mostly in M&S site , overall I’m happy with the customer service always helpful when I’ve had to call . Yes one happy customer.
27 June 2026
Unprompted review
Reply from M&S Credit Card
Hi Margaret, thanks so much for your kind words, we're always here to help! Thanks – Elena
Great value M&S credit card
I feel secure having a M&S credit card. You get to choose how you want to pay. You can control your spend by checking how much you have spent in the apps.
Customer service is great. Love the perks.
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Valerie, thank you so much, we really appreciate your lovely review. I'm glad to hear that you're loving the perks that come with the M&S Credit Card! Thanks – Elena
Reply from M&S Credit Card
Hi Brian, thanks so much, we're always here to help, whenever you need us. Thanks – Elena
I use M and S credit card and banking…
I use M and S credit card and banking app every month . I find both very good and have no problems at all.
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi there, thanks so much, we're always here to help, whenever you need us. Thanks – Elena
It all works so well
It all works so well. If I had to find something I would improve it would be for transactions to appear on my account quickly -as they do with my other card.
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Stephen, thank you so much for taking the time to leave us a review. We're always looking to improve our services, so keep your eyes peeled for updates to our app coming soon! Thanks - Elena
Easy to use website and always…
Easy to use website and always informative.
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi there, thanks so much, we're always here to help, whenever you need us. Thanks – Elena
I've been using M&S bank for ages
I've been using M&S bank for years and would recommend! Pay your account off every month and it costs you nothing. Easy to use. The app is easy to use and I have enjoyed the journey over the years
1 July 2026
Unprompted review
Reply from M&S Credit Card
Thanks so much for your kind words and for being a loyal customer, we're always here to help! Thanks – Elena
I USE NY M AND S CREDIT CARD ALL THE…
I USE MY M AND S CREDIT CARD ALL THE TIME NEVER HAD ANY PROBLEMS M&S HAVE QUAILITY FOOD AND CLOTHES FOR COMPETERTIVE PRICES AND THE STAFF ARE VERY HELPFUL AND FRIENDLY
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Karen, thank you so much for taking the time to leave us a review. It's great to hear that you've been enjoying using your M&S Credit Card! Thanks - Elena
Poor app
Poor app. Never sure exactly how much I owe. No pending purchases on the app. Feels like they are trying to catch you out.
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi David, thank you so much for taking the time to leave us a review. We really do appreciate your feedback. We are always looking for ways to improve our services for customers, so keep an eye out for pending payments coming soon! Thanks - Elena
Easy to use app
Easy to use app. .Can now pay bill/shop/ and keep an i on account..Spot on ⭐️⭐️⭐️⭐️⭐️
2 June 2026
Unprompted review
Reply from M&S Credit Card
Hi Teri, thanks so much for your review. I'm so glad to hear you're finding our app easy to use! We're always here to help, whenever you need us. Thanks – Elena
Ibthink they are great
I have had an M&S credit card for many years now. Their security is excellent. Help is readily available if you have a problem and they help you to solve AND it easy to speak to a person. Their app is easy to use and has many useful features. I cannot comment on their interest rate as compared to other credit cards as I routinely pay off the card in full monthly.
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Marilyn, thanks so much for your kind words. I'm glad to hear that you're finding our app easy to use. We're always here to help if you need anything. Thanks – Elena
5 stars all the way
Personally I have never had a problem with M&S click and collect. Notifications on orders keep you updated. 5 stars all the way for me
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Marjorie, I'm glad to hear that the M&S click and collect has always been efficient for you. Thanks for taking the time to leave a review - Elena
I use m/smy card a lot it’s so convenient
I use my card a lot it’s so convenient
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Anne, thank you so much for taking the time to leave us a review. It's great to hear that you've been enjoying using your M&S Credit Card! Thanks - Elena
M&S CREDIT CARD
Brilliant credit card, Brilliant company.
Thank you M&S for accepting me as a customer.
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Antony, thank you so much for taking the time to leave a review, it's great to have you as a customer! We're always here to help if you need us. Thanks - Elena
I still have trouble accessing my…
I still have trouble accessing my account.
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hello, sorry to hear this. If you would like to get in touch, we would love to be able to help you access your account. You can call the number on the back of your card, or find all the ways to contact us on our website. Thanks - Elena
2 stars for the app alone - payment changes
2 stars for the app alone. We're still having to change payment settings in a PDF form, which in 2026 is really passe. Fix this, and the rest would be 5 stars.
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Chris, Thanks for letting us know. We’d like to understand more about what’s gone wrong and how we can fix it. Please do get in touch with us directly, you can get in touch through using our Chat feature in our app or you can find alternative ways to get in touch by visiting the ‘Contact us’ page on our website. Thanks - Kim
just experienced my worst ever month's…
just experienced my worst ever month's service with M&S Credit card. I have the card because I can earn points/rewards. A miserable, inflexible, computer says no reaction from staff and operation gave me frustration and embarrassment. All this and I am always fully paid up - perhaps that's the problem. Better for M&S to have members in debt.
10 June 2026
Unprompted review
Reply from M&S Credit Card
Hi Des, we’re really sorry to hear this. That’s far from the experience we want our customers to have. Please contact our customer support team so we can investigate this and help put things right. If you have digital banking, you can contact customer support through our Chat feature. You can find alternative ways to get in touch by visiting the ‘Contact us’ page on our website. Thanks for taking the time to leave a review - Kim
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