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
Company replied
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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
Great crédit card company. Good communication & kept up to date with account regularly. Can lower credit card amount anytime if I choose. Not consistently bombed with meaningless, pointless emails & t... See more
Company replied
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
3K 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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Absolutely 💯 top class
14 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Nick, thanks for your top-class feedback. 😄 It’s great to know you had such a positive experience. If there’s anything else we can help with, just let us know. Tracy
Reply from M&S Credit Card
Hi David, thanks for your feedback. Great to hear the transfer was easy and quick for you. If you need any help with anything else, just let us know. Tracy 👍👍
As good as there word.
4 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Simon, thank you so much for taking the time to leave a review. We're glad to hear you've had a five-star experience with us 😊 Thanks - Elena
Easy and quick to transfer money over…
Easy and quick to transfer money over very happy with my m&s credit card
14 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Natalie, thanks for your review. Great to hear transferring the money over was easy and quick, and that you’re very happy with your M&S Credit Card. If you need any help with anything else, please get in touch. Tracy 😊
Fantastic
Initially it felt a painfully slow process to be accepted for a credit card despite an excellent credit rating but once accepted, I’ve done nothing but enjoy the benefits!
Absolutely fantastic if you shop regularly at M&S like I do along with brilliant app and support service!!
12 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Stephen, we're sorry to hear it took time to get accepted. It's great that everything is now working well for you. Thanks for the feedback. - Kim
Simple and staring forward with the…
Simple and staring forward with the process of balance transfer.
Informative throughout the process
3 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Jag, Its great you are benefitting from a balance transfer, and it was all completed quickly. Thanks for the feedback. - Kim
⭐️⭐️⭐️⭐️☆ Flexible Credit Card with Supportive Approach Despite Charges
⭐️⭐️⭐️⭐️☆
I’ve had my M&S Credit Card for a while now, and even though I owe quite a lot on it, the company has continued to give me opportunities to keep using the card. That flexibility has been really helpful.
Of course, there are plenty of charges applied, and carrying a balance isn’t easy, but I appreciate that they’ve taken my situation seriously instead of cutting me off completely. It shows a level of trust and support that makes me feel valued as a customer.
Overall, while the fees can add up, I’m grateful for the chance to keep using the card and manage my finances with their understanding approach.
9 June 2026
Unprompted review
Reply from M&S Credit Card
Hi Lily, Thanks for the feedback. It's great that everything is working well for you and we were here for you when you needed us. - Kim
Great App, great service!
Been using the credit card and the app for a few months now. Everything’s been great!
10 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Michael, thanks for the feedback. It's great to hear everythign is running well for you. - Kim
Excellent service
Excellent service, easy to manage . I have used this for years and never had any problems at all. Thank you.
10 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Anne, Thanks for such lovely feedback and for being our customer for so many years, here is to many more years. - Kim
Fantastic customer service
I have had a M and S credit card for over 30 years and apart from the fact that the rewards have been reduced radically , it has been great. If I have experienced any issues,I have been able contact M and S who have resolved it. Great service.
10 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Patricia, Thanks for such lovely feedback. We will pass over to the information around rewards to the product team. Its great everything has worked really well for you. - Kim
I found that M&S's Bank was very useful…
I found that M&S's Bank was very useful and was completed without any fuss.
I do like their offers of long 0% interest time.
6 July 2026
Unprompted review
Reply from M&S Credit Card
Hi, Thanks f0r the feedback. Its great you are benefitting from the 0% balance transfer. - Kim
The easiest balance transfer out of any…
The easiest balance transfer out of any credit card. So simple to use. I highly rate M&S app too.
4 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Julie, Fantastic the balance transfer was easy to complete, whilst you also find the app easy to use. Thanks for the feedback. - Kim
Brilliant experience with Balance…
Brilliant experience with Balance Transfer process. Quick and easy to navigate
25 June 2026
Unprompted review
Reply from M&S Credit Card
Hi Sean, Thank you for such lovely feedback. It's great everything was quick & easy to navigate. - Kim
Totally straightforward procedure to do…
Totally straightforward procedure to do a balance transfer with no hidden costs and super quick transactions. First class 0% balance transfer credit card Definitely recommends to all
25 June 2026
Unprompted review
Reply from M&S Credit Card
Hi Tigs, Great to hear everything was straightforward and balance transfer was easy, whilst also benefitting from the 0%. Thanks for the feedback. - Kim
Very fast balance transfer excellent…
Very fast balance transfer excellent rate
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Peter, This is great news. Thanks for the feedback. - Kim
Everything went smoothly couldn't have…
Everything went smoothly couldn't have asked for a prompt a nd quick response thank you
6 June 2026
Unprompted review
Reply from M&S Credit Card
Hi Miss Jones, Thank you for this lovely feedback. It's great everything went smoothly and quickly for you. - Kim
Balance transfer was very easy to do
Balance transfer was very easy to do. No problems at all.
29 June 2026
Unprompted review
Reply from M&S Credit Card
Hi Doreen, Great to hear the balance transfer was easy. Thanks for taking the time to leave feedback. - Kim
Quick and easy transaction online
Quick and easy transaction online. All processed within a few days
4 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Kate, thanks for the feedback. It's great to hear everything was quick and easy. This is exactly what we would expect. - Kim
Technology not working
The technology used is complex to set up. The mobile app does not work ! To be fair when I contacted customer service I get fast response but the problem remains unresolved.
25 June 2026
Unprompted review
Reply from M&S Credit Card
Hi David, Sorry to hear you are having issues setting up the banking app this is not what we want at all. If you would like to call to get this resolved please find the ways to contact us from our website. Thank you for leaving feedback. - Kim
So quick and easy
So quick and easy, I like the clarity of the website, the fast decisions (either way) and reminders, so I can keep on top of payments.
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Valerie, It's great to hear you find the banking app quick and easy to navigate. Thanks for the feedback. - Kim
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