Responsible lender and love the app. To check credit card on. Well worth £10 monthly fee to link with M& S Rewards Club , in the first month I received £25 off home beauty or clothing and coffee vouc... Leggi di più
L'azienda ha risposto
Anche se non controlliamo le affermazioni specifiche, trattandosi di opinioni personali, etichettiamo le recensioni come “Verificate” quando riusciamo a confermare che c'è stata un'interazione commerciale effettiva. Leggi di più
Per proteggere l'integrità della piattaforma, ogni recensione presente sul sito, verificata o meno, viene monitorata dai nostri sistemi automatici 24 ore su 24. Questa tecnologia è progettata per individuare e rimuovere i contenuti che non rispettano le nostre regole, come le recensioni non basate su esperienze autentiche Siamo consapevoli che potremmo non riuscire a cogliere proprio tutto, quindi puoi segnalarci qualsiasi cosa pensi che ci sia sfuggita. Leggi di più
Scopri cosa dicono le persone
The transfer was very simple, the agent was polite and explained the proceedure simply and exact. I knew what was happening from start to finish, I wish the term could have been for 24months not 12 m... Leggi di più
L'azienda ha risposto
I applied for an interest free balance transfer. The process was simple and straightforward, the decision was super fast and the whole process went smoothly and simply. I am well pleased and would ful... Leggi di più
L'azienda ha risposto
Absolutely useless. Getting any kind of support is a nightmare. Customer chat doesn't work. Out of three options to pay your balance, only one works. Reactivating access on a new device is impossible... Leggi di più
L'azienda ha risposto
Dettagli dell'azienda
- Banca
- anche in
- Istituto finanziario
Scritti dall'azienda
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.
Informazioni di contatto
M&S Bank, PO Box 325, NR18 8GW, Wymondham, Regno Unito
- bank.marksandspencer.com
3,9
Molto buono
4K recensioni
Non risultano inviti alla recensione recenti
Questa azienda non ha mandato inviti ai suoi clienti di recente, quindi le recensioni potrebbero non essere rappresentative
Ha risposto al 99% delle recensioni negative ricevute
Solitamente risponde entro 24 ore
Come questa azienda usa Trustpilot
Scopri come vengono raccolte, valutate e moderate le loro recensioni e valutazioni.
Le persone hanno visualizzato anche
Incredibly Efficient
I transferred three balances and, in each case, the transaction was completed with incredible speed. Well done M&S on the efficiency of your systems.
11 settembre 2026
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Risposta di M&S Credit Card
Hi Mr Myers. Thanks so much for such favourable comments! It's wonderful to hear everything was resolved so speedily for you and that you're happy with our card and services. Enjoy the rest of the day, and thanks again. - Morag
I used it daily on my shopping to track…
I used it daily on my shopping to track my spending. It is easy to use.
The points or vouchers on spending is slow to be converted.
I not keen on the chatbot, prefer to deal with a person.
22 settembre 2026
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Risposta di M&S Credit Card
Hi Jesusa. Thank you for taking the time to leave a review. We're delighted to hear you find it easy to use your card and to track your spending. We convert points into vouchers 4 times a year but instead of waiting for paper vouchers to be produced, you can opt into having digital rewards which means you'll have your rewards earlier. You can check out on how to opt in by visiting our public website. You may like to try to use our chat service again in the future as interactions will improve going forward as the bot learns. Thanks again for your review, and have a great afternoon. - Morag
Good rate and fabulous valence transfer…
Good rate and fabulous balance transfer offers. Easy process and fast also.
18 settembre 2026
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Risposta di M&S Credit Card
Hi Jonathan. It's fantastic to hear you're delighted with our offers, and trust they suit your current needs. We're thrilled to hear you found our processes so easy and that things were quickly completed for you. Thanks so much for taking the time to leave a review, it's much appreciated. Have a good rest of the day, Morag
Great Card
Had this card for a few months now, all going well, no issues 👍
22 settembre 2026
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Risposta di M&S Credit Card
Hi Forbes. Thanks for getting in touch to leave a review. We're so pleased to know you're finding the card and service going so well for you. This is wonderful news, and we appreciate you taking the time to let us know. Have a great day, Morag
Very smooth Uncomplicated
Very smooth Uncomplicated. Decision made with no fuss . Fair and Competitive
26 agosto 2026
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Risposta di M&S Credit Card
Hi Christopher. We're so pleased to hear you found our application process easy and simple to use. We're delighted you've found the time to get in touch to let us know, it's much appreciated. - Morag
Pre approved so it was super easy &…
Pre approved so it was super easy & super quick
10 settembre 2026
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Risposta di M&S Credit Card
Hi Lesley. Thanks for your feedback. It's great to know you found the application process so easy and quick to complete, and we appreciate you letting us know. Enjoy the rest of your day and thanks again. - Morag
Easy Tranfer of Card Balances
Balance Transfer very easy and fast to setup. Also very fast to get the monies to the Card being transfered from. A Credit Card to be recommended and with the services that you expect from an M & S Product.
15 settembre 2026
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Risposta di M&S Credit Card
Hi Alan. Thank you for taking the time to leave such wonderful feedback! It's fantastic to hear everything was completed efficiently for you and with ease. We genuinely appreciate you getting in touch and wish you a great day. - Morag
Have had a great experience so far very…
Have had a great experience so far very easy to deal and have the best deals available
15 giugno 2026
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Risposta di M&S Credit Card
Hi Louis. Thanks so much for your review. It's so good to know that you're having a great experience with us and that our card is suiting your needs. We do appreciate you taking the time to let us know and hope the rest of your day goes really well. - Morag
HASSLE FREE
I did a balance transfer and found it to be completely hassle free and quick to complete.
The application was easy and although I did not speak to a human being the service was great
7 settembre 2026
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Risposta di M&S Credit Card
Hi Geraldine. Thanks for your lovely feedback. We're delighted you found the application process so easy to complete and that requesting a balance transfer was quick and straightforward. Your review is greatly appreciated, so many thanks for getting in touch. - Morag
Straight forward application process…
Straight forward application process all done online, my only gripe is you can't apply to increase your credit limit for 6 months, the small credit limit is hitting my credit rating hard.
22 settembre 2026
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Risposta di M&S Credit Card
Hi Richard. Thanks for getting in touch. We're pleased to know you found the application process straight forward but sorry if the credit limit advised doesn't currently suit your needs. As you're aware though, you can simply apply for an increase in 6 months time. We do appreciate you taking the time to leave your feedback, and wish you a very good day ahead. - Morag
Everything
Everything, wrong amount was transfer, putting my other card in credit and being frozen., money returned 5 days ago, and still waiting for the amount to be credited back, charged a fee when they where advertising no fee, spoken twice now and they just don't get it..
22 settembre 2026
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Risposta di M&S Credit Card
Hi Andrew. Thank you for taking the time to share your experience, and we're sorry that things haven't worked out on this occasion. We appreciate your frustration and want to put things right for you. Please reach out for further assistance by contacting customer support through the Chat feature on online banking, or by giving us a call using the number on the reverse of your card. Thanks again for getting in touch, Morag
A very good card
Does everything I want and 25 month interest free purchases as well. Works well and easy to use. I would recommend this credit card.
22 settembre 2026
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Risposta di M&S Credit Card
Hi Derek. Thank you for your review. We're pleased to hear the card meets your needs, and is working well for you. We really appreciate you taking the time to let us know, and hope you have a good rest of the day. Thanks again, Morag
Great to use ,well monitored if…card
Great to use ,well monitored if spending large amounts sending security codes and rewarded every time you spend with points that turn into vouchers and also freebies
22 settembre 2026
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Risposta di M&S Credit Card
Hi Tina. Thanks so much for your fabulous review. We're genuinely delighted you're so happy with our service and are enjoying your rewards. Have a great day and thanks again. - Morag
Great service
Great service, explained everything I had to do so the application was simple and straightforward. Would recommend.
8 settembre 2026
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Risposta di M&S Credit Card
Hi Anne. Thank you for taking the time to leave such a lovely review! It's fantastic to hear how delighted you are with our services, and we’re so pleased. Wishing you a great day ahead, Morag
Risposta di M&S Credit Card
Hi Barl, Thanks for the feedback. It's great to hear you love that the rewards are in the app, this is what we like to hear.
I recently got an m&s bank credit card…
I recently got an m&s bank credit card and registered for online banking. I found this really easy and quick to do and I appreciate the anti impersonation check to keep my details secure.
1 settembre 2026
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Risposta di M&S Credit Card
Hi, It's great to hear registering was fast and easy, and you appreciated the security involved. Thanks for the feedback. - Kim
Can't register to activate credit card
Can't register to activate credit card. App just sends you in a continuous loop with no way to verify. It looks like M&S bank no longer wants me as a customer as if l can't activate the credit card l can't use it or get any benefits from using it anymore. When my old credit card expires that will be it for me. I have used this credit card company for over 30 years so will probably stop buying in M&S as well. Shame app doesn't work for customers.
20 settembre 2026
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Risposta di M&S Credit Card
Hi Julia, I'm sorry to hear you have been experiencing issues with registering for the app. If you’d be happy to get in touch, please call the team on 0345 900 0900 lines are open 8am-8pm. We can then investigate what is going wrong and get you up and running. Thanks for the feedback. - Kim
App no longer opens, have to call customer service to reset online password
Woke up one day to my app not working - cant find any information on why this happened, but it says I have another app on my phone that is a risk (nothing has changed), I don't know what app is the problem. Can't pay online without using the app to approve a purchase.
Tried logging in online, somehow locked out, tried resetting my password, says to call their 'automated system' fine, however then find out the start is automated, then you get passed to a customer rep - not 24hrs. Managed to use my card, but it then got locked due to potential fraud, and they text saying they would tell me what to do next - nothing. Called to unlock the account, got passed to another customer service rep who couldnt hear me to reset my password. Can't contact them any other way apparently, everything requires you to be logged in - useless when you can't log in.
My partner had some similar trouble with them, will not use them again once the 0% interest free period ends.
18 settembre 2026
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Risposta di M&S Credit Card
Hi Sam, we’re sorry to hear things haven’t gone as expected. If you’d be happy to get in touch, we’d really like the chance to investigate this further and sort things out for you. Please call 0345 900 0900 lines are open 8am-8pm. Thanks for the feedback - Kim
M&S name on the card — HSBC makes the decisions
M&S name on the card — HSBC makes the decisions
After more than 20 years with an M&S credit card, I was refused a modest £1,100 credit-limit increase on affordability grounds.
I am retired, declared my income honestly and have a long repayment history. I did not feel the assessment adequately reflected my wider financial circumstances, including savings and investments.
What surprised me most was discovering how much of the decision-making sits with HSBC. The product carries the M&S name, but the lender is HSBC UK Bank plc, trading as M&S Bank.
I complained and took the matter to the Financial Ombudsman Service. The Ombudsman did not uphold my complaint, and I accept that outcome.
However, that doesn’t alter my view as a customer. I found the experience extremely disappointing, and I believe the distinction between the M&S brand and the bank actually making the lending decisions should be much clearer to customers.
After more than 20 years, I will now take my credit-card spending elsewhere.
6 agosto 2026
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Risposta di M&S Credit Card
Hi, When we look at a credit limit increase there are lots of factors to consider, apologies this wasn't granted on this occasion. We do understand your frustration. Thank you for taking the time to leave feedback. - Kim
M&S bank is unfit for purpose
M&S bank is unfit for purpose. I tried to use the card on my Amazon account and it blocks the payments. I contacted customer service to get them to unblock it and yet they block it again. The credit card is useless. I have now had to use another card with a provider that doesn't block all payments. I am so disappointed with M&S bank and I will be getting a different card provider and will never use M&S bank again.
16 settembre 2026
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Risposta di M&S Credit Card
Hi David, we’re disappointed to hear you’re not fully satisfied with your experience. We’re here to help if there’s anything we can resolve or improve. You can contact customer support through the Chat feature in the M&S Banking app or online banking, Or call us on 0345 900 0900. Thanks for taking the time to leave your feedback - Kim
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