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
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
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
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
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
M&S are a trusted business and having…
M&S are a trusted business and having an M&S card at a time when l needed financial flexability was excellent I am so pleased with all the services and efficiency
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Helen, thanks so much for your kind words. We're always here to help if you need us! Thanks – Elena
Excellent service
Excellent service, great rewards for when using card. Can’t fault them
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Jacqueline, Thanks for such a lovely kind review. - Kim
Happy and loyal M&S customer
I’m very happy with my M&S credit card. I find the online banking application very easy to navigate. My payments always seem to be promptly made.
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Anne, Its great you are able to navigate the banking app easily and are happy with the card. This is what we love to hear. Thanks for taking the time to leave feedback. - Kim
M&S Bank always works for me
Always answer and always have been able to solve whatever problem I had,always have time and patience dealing with me, always appear pleased to help and that is not easy every day,but M&S Bank always manage to do it in my experience, Izzie
12 June 2026
Unprompted review
Reply from M&S Credit Card
Hi Isabelle, It's great that any issues we are able to resolve for you this is exactly what we aim for. We will always be happy to help our customers. Thanks for the feedback - Kim
I use this card a lot for internet…
I use this card a lot for internet purchases & have always had a good experience the way the purchase is verified via the app is very good
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Anne, Its great you use the card a lot and have a great experience and enjoy the use of the banking app. Thanks for the feedback. - Kim
So Easy to Use
I haven’t had any problems using M&S Bank app. Each month my outstanding balance is settled by Direct Debit. So easy!
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Cathy, Its great you haven't had any issues, and it's easy to manage the account with a direct debit. Thanks for the feedback. - Kim
Professional and Totally Trustworthy
I have had my M&S credit card for more years than I can remember. I have complete trust in M&S to keep my money and purchases safe. Also, just as importantly, to respond quickly and professionally to any enquiries.
1 July 2026
Unprompted review
Reply from M&S Credit Card
Hi Jan, Thank you for the trust you have in us, its great you feel safe with purchases and have no issues. Here is to many more years as part of the M&S family. Thanks for the feedback.- Kim
Brilliant
Brilliant, I've had my credit card with them for about 40 years now. Never had any problems and occasionally get a bonus on it (at the end of the year), also transfers too. Great credit card to have
17 June 2026
Unprompted review
Reply from M&S Credit Card
Hi Janet, Thank you for leaving such lovely feedback and for being part of the M&S family for so long. Its great you benefit from the card. - Kim
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.