Never had a credit card before and was brought up with. If you cannot afford do not have. Unfortunately times are changing and I felt I needed to move with the times. Not having any debt or credit... Se mer
Företaget har svarat
Även om vi inte verifierar specifika påståenden eftersom omdömeslämnarnas åsikter är deras egna, kan vi märka omdömen med en ”verifierat”‑etikett ifall vi kan bekräfta att en företagsinteraktion har ägt rum. Läs mer
För att skydda plattformens integritet granskas både verifierade och overifierade omdömen av vår automatiserade programvara som är tillgänglig dygnet runt. Tekniken är utformad för att identifiera och ta bort innehåll som bryter mot våra riktlinjer, inklusive omdömen som inte är baserade på en äkta upplevelse. Vi är medvetna om att vi inte kan lägga märke till allt. Det går att flagga sådant som du tror att vi kan ha missat. Läs mer
Det här tycker kunderna
Uncertainty about having to use an app on a mobile phone. Might close my account if I can't manage my account in a safe environment at home. Unless M&S are going to give me a smart phone dedicated to... Se mer
Företaget har svarat
I signed up for a 0 percent interest free credit card i put 1500 pounds on it then unannounced i got a text message telling me if i purchased anything else i would get charged a higher interest percen... Se mer
Företaget har svarat
Have been using the M & S credit card for a number of years and I use it for all my shopping. I love being able to collect the reward points towards things at Marks and Spencer and also being a member... Se mer
Företaget har svarat
Företagsinformation
Skrivet av företaget
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.
Kontaktuppgifter
M&S Bank, PO Box 325, NR18 8GW, Wymondham, Storbritannien
- bank.marksandspencer.com
3,9
Bra
3 tn omdömen
Ingen inbjudningshistorik registrerad
Det här företaget har inte bjudit in sina kunder. Omdömen kanske inte är representativa
Har besvarat 99 % av sina negativa omdömen
Svarar vanligtvis inom 24 timmar
Så använder företaget Trustpilot
Se hur deras omdömen och betyg hämtas, betygsätts och modereras.
Bad customer service
Bad customer service, hard to understand, bad lines, and not accurate on valuations.
14 april 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi, there. Thanks for leaving a review. We’re sorry to hear you’re not happy with our service. If there’s anything we can fix or do better, we’re here to help. You can reach our customer support team via the Chat feature in Online Banking, or check the ‘Contact us’ page on our website for all the ways to get in touch. Thanks again for taking the time to share your feedback, and we hope you have a good rest of your day. - Morag
great service
great service , brilliant balance transfer service , so easy to do
12 april 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi Stuart, thanks for taking the time to leave a review.
I’m really pleased to hear the balance transfer was so easy and that you received great service. If you need anything else, we’re always here to help.
Thanks again, Tracy ☺️
awful
had nothing but trouble with this bank card all the way through wont list what as I am trying to forget the experience. cancelled card and they are still sending me stuff. Have gone back to John Lewis much smoother operation
P>S. Thank you Elena but take up more of my precious time I dont think so.
11 april 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi Alice, we are sorry to hear that you've cancelled your card. If you'd like us to look into the issues you were having with your account, then you can find all the ways to contact us on our website. Thanks - Elena
No payment systems by debit card
No payment systems by debit card , shop elsewhere customer service very poor
11 april 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi Steve, we want to reassure you that there are still plenty of ways to make payments on your M&S Credit Card, including setting up a Direct Debit or making a payment directly from your bank account. If you’d like to discuss the payment options available or need help setting one up, please get in touch with our team by calling the number on the back of your card or via Chat in the M&S Bank app. Thanks - Elena
Been a customer with M&S for years
Been a customer with M&S for years , they stopped paying by cheque, now not paying buy cash in store, which has stopped me from doing a lot of shopping in store .they are slowing making it difficult to pay bill , and not shopping in stores as much , seriously thinking of cancelling credit card .
10 april 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi, Stephen. Thanks for leaving your review, we're sorry to hear you’re not happy with the payment options we offer. The quickest and most secure way to pay us is straight from your bank account. You can do this using Pay by Bank in our digital services, or by setting up a bill payment through your bank. If you’d like to set up a bill payment, you’ll find the sort code, account number, and reference you need on your statement. Payments sent this way are usually received within a couple of hours, compared with up to two working days for a debit card payment to clear. Thanks again for getting in touch, and enjoy the rest of your day. - Morag
Online straight forward
Online straight forward - although filling a direct debit in to pay the thing is more of a hassle.
1 april 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi Kathryn, thanks for taking the time to leave a review.
I’m pleased to hear the online process was straightforward. I’m sorry the Direct Debit set-up felt like more of a hassle than it should be — we’ll feed that back to the team.
If you need any help getting it set up, we’re always here to help. Tracy 👍
£10k fraud refunded, but serious failures in prevention and response
I was a recent victim of a £10k balance transfer fraud after being deceived by someone impersonating M&S Bank. Although the bank refunded the full amount and fees, this does not change the fact that the transaction should never have been allowed to go through in the first place.
This was a completely out of the ordinary transaction for my 35-year account; a large, first-time balance transfer to a 3rd party, yet it was processed without any meaningful secondary checks or intervention. I was later told by the bank's investigation and complaints handlers that this type of scam is being seen with increasing frequency, which makes the lack of effective safeguards even more concerning.
Trying to report the fraud was frustrating. Calls to 'Customer Services' were disconnected, and there was a stressful delay of several days before I received any meaningful update. At a time when customers are most vulnerable, the support provided fell well below what I would have expected, especially in light of my longevity with the bank.
While the financial loss was eventually corrected, the overall experience highlights weaknesses in both fraud prevention and customer handling. As a long-standing customer, this has significantly undermined my confidence in the bank. A brand once synonymous with 'customer care' has proven to be anything but.
10 april 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi there. Thank you for taking the time to share your feedback. We’re genuinely sorry to hear that your experience with us didn’t meet expectations. We understand that a matter such as this can undermine confidence, and we’re constantly striving to improve our services to customers by being not only open to feed back, but at looking to new ways for improvement. We really value your comments and are committed to treating every customer with respect, empathy, and professionalism, especially when things are challenging. Thanks again, and have a good afternoon. - Morag
Zero customer care
Zero customer care, awful app, incorrect information, unreasonable charges
10 april 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi, Zoe. Thanks for leaving a review. We're really sorry to hear you're dissatisfied with our service, and we're here to help if there's anything we can resolve or improve. You can contact customer support through the Chat feature on online banking, or find all the ways to get in touch with us on the ‘Contact us’ page of our website. Thanks again, Morag
Payment of M&S credit card
Paying off my M&S card much more difficult now, it used to be easy. Have decided not to use this card any longer
10 april 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi, Teresa. Thanks for your review. We're sorry you're concerned about the recent changes in our payments methods. The quickest and most secure way to send payments to us is direct from your bank. Our digital channels offer a Pay by Bank Service, or you could set up a bill payment on your bank account. If you’d like to set up a bill payment, you’ll find the sort code, account number, and reference you need on your statement. We really value your feedback, and if you need any help or support with your banking please get in touch using our online chat service, or by giving us a call using the number on the reverse of your card. Thanks again, Morag
allowed my data to be hacked & no more cash payments
M&S allowed my data to be hacked, goving all my personal details to scammers to be sold on indefinitely. Instead of an apology, they stopped our ability to make any c.card payments in cash. Now stopping payment by debit card too. Bring back cash and stop punishing the clients you should be apologising to
16 januari 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi Kim, thank you for taking the time to share your feedback. We’re sorry to hear about your concerns. We’d like to reassure you that M&S Bank customer data was not impacted by the cyber incident that impacted M&S last year and safeguarding our customers’ personal information remains one of our top priorities.
We appreciate you sharing how the recent changes to payment options has affected your experience. We still offer many convenient and secure ways to pay your credit card such as setting up a direct debit. We would be happy to help if you need anything further, please get in touch via Chat using the M&S Bank app or by calling the number on the back of your card. - Elena
M&S Credit card payment changes
I have always used the debit card payment feature. I do not want to lose it,! If the change goes ahead i will consider ceasing my account.
10 april 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi Mr Evans, thank you for taking the time to leave feedback. We want to reassure you that there are still plenty of ways to make payments on your M&S Credit Card, including setting up a Direct Debit or using Pay by Bank. These options are designed to make managing payments simple and secure.
If you’d like to discuss the payment options available or need help setting one up, we are happy to help. Please get in touch with our Customer Services team through Chat in the M&S Bank app or by calling the number on the back of your card. Thanks - Elena
M and S bank are in chaos
M and S bank are definitely in problems.
Reviewed yesterday as problems with App and chat and now it appears that my payment methods have been deleted.
Had a reply via Trustpilot that restated the original message which was the problem. They had not read the complaint at all and directed me to chat again!!!!!!!!
10 april 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hello Mr Richards, sorry to hear about the issues you've been having. We want to reassure you that there are still plenty of ways to make payments on your M&S Credit Card, including setting up a Direct Debit or using Pay by Bank.
If you’d like to discuss the payment options available or need help setting one up, we are happy to help. Please get in touch with our team through Chat, or by calling the number on the back of your card. Thanks - Elena
Sent me an email saying I must pay my…
Sent me an email saying I must pay my credit card bill quickly..
I don't have any outstanding amount..
Annoyed
10 april 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hello, we'd like to look into this for you. Please get in touch with our team through Chat, using the M&S Bank app, or by calling the number on the back of your card, so we can review this and resolve any concerns as quickly as possible. Thanks - Elena
M&S had decided to cease to accept…
M&S had decided to cease to accept Debit Card payments. Terrible decision, with no consultation. I will be withdrawing my custom.
UPDATE: M&S have left a reply below. That reply only already states what they told customers by email previously. They've have been better not replying because they aren't actually listening to customer feedback.
I say again, terrible decision, with no consultation. I will be withdrawing my custom.
10 april 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi, Cris. Thanks for getting in touch. We're sorry to hear you’re unhappy that the debit card payment option has been removed from online banking. The most secure way to make a payment to us is by bank transfer. You can use the Pay by Bank option online, or set up a bill payment through your bank account. If you’d like to set up a bill payment, you’ll find the sort code, account number, and payment reference you need on your statement. This also means your payment should reach us within a couple of hours, rather than waiting for the clearing times that apply to debit card payments. We appreciate you getting in touch, and thanks again for your feedback. - Morag
On the M&S merrygoround!
M&S is still sending me round in circeles with there changes to the way THEY do things. They are still given NO consideration to all the things that I have alrady told them and are still sending me round the same rigmarole, even though I have tried to do things as they want, so I am not very happy today... If by some miracle the things I have already done have actually worked then my feelings would be very different.
10 april 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi, Lorna. Thanks for your review. We're sorry to hear things aren't going as well as you'd hoped. If you need assistance though, please reach out for support. You can contact customer support through the Chat feature on online banking, or find all the ways to get in touch with us on the ‘Contact us’ page of our website. Thanks again for taking the time to get in touch. - Morag
Nice experience with M&S Bal. Transfer
I have been invited to take all open balances to M&S Credit Card to have 15 months of interest free time. I have been accepted for all amounts without any huzzle. The fee for this balance tranfers was also affordable, so I have been happy with all my experiences. Thank you M&S
25 mars 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi Olaf, This is great news you were able to benefit for the balance transfers. Thank you for leaving this feedback. So nice to hear of your positive experience. - Kim
Absolute garbage service
Absolute garbage service. Paid for my items in full, only for them to put a pending charge on my account for over £618 for weeks now! AVOID these credit card clowns.
12 mars 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi, 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. 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 - Kim
Balance transfer- easy and quick
30 mars 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi Evie, Great news to hear that the process was quick and easy. This is how it should be. Thanks for leaving feedback. - Kim
Used a balance transfer offer
Used a balance transfer offer. Easy to navigate and use. A quick and easy transfer
30 mars 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi Amanda, Thanks for the feedback. It's great to hear you are benefitting form the balance transfer offer, also you found navigating everything easy. - Kim
A great offer at a great time to take…
A great offer at a great time to take it up, found the whole process very efficient, easy and quick following the app instructions.
23 mars 2026
Omdöme utan inbjudan
Svar från M&S Credit Card
Hi Roderick, Thanks for the lovely review. It's great to hear the process was efficient and easy, and you are benefitting form the offer. - Kim
Detta är Trustpilot
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