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... Zobacz więcej
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Chociaż nie weryfikujemy konkretnych wypowiedzi, ponieważ opinie recenzentów są ich własnymi opiniami, recenzje mogą zostać oznaczone jako „Zweryfikowane”, jeśli uda nam się potwierdzić, że doszło do rzeczywistej interakcji biznesowej. Dowiedz się więcej
Aby chronić integralność platformy, każda recenzja na naszej platformie—zweryfikowana lub nie—jest sprawdzana przez nasze oprogramowanie działające w trybie 24/7. Technologia ta została zaprojektowana w celu identyfikowania i usuwania treści, które naruszają nasze wytyczne, w tym recenzji, które nie opierają się na prawdziwym doświadczeniu. Zdajemy sobie sprawę, że możemy nie wychwycić wszystkiego, dlatego możesz oflagować wszystko, co według Ciebie mogliśmy przeoczyć. Dowiedz się więcej
Zobacz, co mówią recenzenci
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... Zobacz więcej
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Tried several times to do the digital logon which managed to complete just days before the offer ran out. However more user error and they really need to remember their customers raised in the very... Zobacz więcej
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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... Zobacz więcej
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Informacje dotyczące firmy
Napisane przez firmę
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.
Dane kontaktowe
M&S Bank, PO Box 325, NR18 8GW, Wymondham, Zjednoczone Królestwo
- bank.marksandspencer.com
3,9
Dobra
3 tys. recenzji
Odpowiada na 99% z negatywnych recenzji
Zazwyczaj odpowiada w ciągu 48 godzin
Jak firma korzysta z Trustpilot
Dowiedz się, w jaki sposób pozyskiwane, oceniane i moderowane są ich recenzje i oceny.
Embarrassingly bad
Awful, awful and then some more awful. The service has been contradictory and intentionally unhelpful from start to finish. Telephone advisors range from friendly and lying to ignorant and lying (at least there's some consistency there). Having paid everything off I am so happy to never have to deal with this circus again.
14 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hello, Lee.
Please accept my apologies, it doesn’t sound like you’ve had a good experience at all.
My colleagues are trained to offer a high standard of customer service, and I’m sorry if you haven’t found this to be the case.
I understand you have now paid off the card, but if you did ever want to discuss any of your concerns, please don’t hesitate to get in touch on the Customer Services number which can be found on our website.
Many thanks, Amy.
Please dont choose them
Please don't go with m n s as a credit card company. The inital 0% interest free gets you interested but it is a waste of time. Unfortunately, I used the cards to purchase tickets to travel to thailand in easter this year. Surprise surprise our flights got cancelled. Gulf air keep changing the refund date and m n s are no help what so ever in recovering the refund. Never in my life have I had such trouble. Stick with Amex or barclaycrad. No wonder m n s is in trouble.
14 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hello.
I'm very sorry to hear that you haven't yet been able to claim funds for your cancelled flights.
There are certain processes that our Disputes team need to follow in these circumstances, but I'm sure that they will be doing all they can to resolve this for you.
I do hope this is sorted out for you soon, and we can restore your faith in your M&S Credit Card.
Best wishes, Amy.
Took out a credit card had issues with…
Took out a credit card had issues with flight seats didn't help me with my claim took to section 75 still no help after waiting along time was not a happy customer and wouldn't recommend m and s for a credit card hard to deal with everything done online don't want to sort things out over the phone .
13 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hi, Kirk.
It’s such a shame to hear and that you wouldn’t recommend our card.
I’m very sorry that we couldn’t help with your dispute, I can assure the team will have done all they could.
While we do encourage customers to use our online services, our Customer Services team are also available to speak to on the phone from 8am – 8pm every day.
If there’s anything that you’d like to discuss further with us, please get in touch on the number from the back of your card.
Best wishes, Amy.
M&S service in decline
I contacted the helpline regarding a missing rewards statement, (I am old fashioned and still get them by post) it was a very lengthy process during which I was re-directed to the bank. The call handler didn't offer much information and it was only my suggestions of "Is there a minimum Rewards voucher value? Did I fail to earn this in the previous quarter?" £3 is the minimum which I didn't reach, Sept - Dec. She went on to send me an e-mail including £19 vouchers for an earlier quarter which wasn't relevant to my query, I thought this was so she could say she had resolved my concerns. No apology was offered for M&S poor communication, points carried forward from previous statement (normally included), would have enabled me to work it out.
8 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hello. Thank you very much for getting in touch to share your experience of your recent contact with us.
I’m sorry to hear that you weren’t given full information to help you resolve your query, or offered an apology. This certainly isn’t the service we’d expect our customers to receive.
We’d be more than happy to discuss your concerns further, or answer any other questions you may have about your reward vouchers.
If you’re a digital banking customer please ‘chat to us’ online, or call us on the number from the back of your card between 8am and 8pm each day.
Best wishes, Amy.
SERVICE UNAVAILABLE
How about your "service is unfortunately down" so far today 13/5/26 from 2:30pm until now 7:30pm on your app and continues down so no access to my account data data etc etc ?? This is the 3rd time this month the service has been "down" so...no service at all !!. Paul Ritchie.
13 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hello, Paul.
I'm ever so sorry to hear that you've been having problems accessing your account. I understand this must be inconvenient for you.
We'd love to help you get back up and running again.
Please give us a call on the number from the back of your card, and one of my colleagues will be happy to help.
We look forward to hearing from you.
Many thanks, Amy.
Odpowiedź od M&S Credit Card
Hi Rena, Thanks so much for your kind words — we’re really pleased you’re enjoying the app, and it’s great to hear our customer support has been helpful. Thank you for your feedback. - Kim
I've had the card for a while now and…
I've had the card for a while now and easy to use, I was offered 12 month 0% balance transfer, and was easy to do.
Only thing I dont like is m&s have withdrawn being able to make a payment with my normal bank account, which was very easy to do.
1 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hi, Its great you are benefitting from the 0% interest free period. We do offer multiple different ways to pay which can be found on our website if you are unsure of what we accept. Thank you for leaving feedback. - Kim
Quick and easy 0% balance transfer
Quick and easy 0% balance transfer - why’s not to like?
8 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hi, Quick and easy as it should be and also the benefit of a 0% interest free period. Thanks for leaving feedback. - Kim
Odpowiedź od M&S Credit Card
Hi Sian, Great to hear it was quick and easy exactly as it should be. Thank you for taking the time to leave feedback. - Kim
Great App
Great app, nice and clear, good communications, and the help section is excellent. Recommended.
12 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hi Stney, This is excellent news to hear that you like the app and find it clear and communication is great to, we find this important for our customers. Thanks for taking the time to leave feedback - Kim
Been a good experience they keep you…
Been a good experience they keep you updated at times. Sent reminders when payment is due. Always on hand if you have a problem. Application was quick and easy. Can't fault the service I received
12 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hi Lynn, Thanks so much for taking the time to share this feedback. We’re really pleased to hear you had a good experience and that the updates and payment reminders are helpful.
It’s also great to know the application was quick and easy, and that our team was there when you needed support. - Kim
Sorted out the balance transfer very quickly, but charge a little higher than some.
Very quick response and the balance from my other credit card arrived safely and quickly too. The interest rate was a little higher than some, but I felt confident in the process.
5 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hi Jenny, This is great to hear from application to balance transfer was fast and smooth running. This is how we expect it to be. Thanks for leaving feedback. - Kim
What’s a bit of technical know how between friends!
Tried several times to do the digital logon which managed to complete just days before the offer ran out. However more user error and they really need to remember their customers raised in the very early 1960’s when there were no computers
However the service and the cs agents were lovely and I would give them 5 stars apiece as a credit to what they do. As usual it is the system that lets them down as it’s set up for tech savvy people
All happy now and do not let being non tech savvy get in the way as I eventually got there!
12 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hi Eve, We're happy you managed to get back online and great the team is there when you need the extra support. Our website also has help pages for digital if you prefer to look at help options. We are always here in the end of the phone anytime you need it. Thank you for leaving feedback. - Kim
disappointed in M&S banking…
Sadly I was disappointed in M&S banking services. I spent a long time trying to payoff my credit card and then found it had not gone through and was given a late charge.
Needless to say I have now paid the entire amount off and won’t be using it again
4 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hi Christine, I am sorry to hear you have had issues we do offer lots of ways to pay that can be found on our website. If you would like to contact us to discuss. 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
The money wasn't transferred to its…
The money wasn't transferred to its original destination and still waiting for it to be resolved
12 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hi Mark, 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. You can find 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 Credit card is great
M&S Credit card is great.
It’s so easy to track your spending and stay in control of your money.
Customer service is also very good.
10 out of 10 for me.
11 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hi John, Thank you for your feedback. This is really great to hear that you find tracking spends easy, and our customer service is great too. This is how we would expect it to be for our customers. - Kim
Have been using the M & S credit card…
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 of premium club I get coffee vouchers and various money off vouchers through out the year! What’s not to love ❤️
11 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hi Gerri, This is perfect to hear that you use the card to gather the benefits of the Reward vouchers whilst also being a Premium customer, so it's a benefit for you all round. Thanks for leaving feedback. - Kim
No problems doses what it says on the…
No problems doses what it says on the Tin
11 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hi Chris, This is great to hear and this is how we would expect it to be. Thanks for leaving feedback. - Kim
Very small credit limit & got refused…
Very small credit limit & got refused an increase even though I make several payments each month! I cannot understand why this would be. My credit score is extremely high.
29 kwietnia 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hi Julie, I'm sorry to hear that things haven't gone as expected. We do consider more factors thank just credit score. If you’d be happy to get in touch, to discuss this 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
Marksies
We always use our M&S credit. We shop at M&S all the time. We get point vouchers for money to use when we go shopping there. We we enjoyed using when buying clothes
11 maja 2026
Opinia niezależna
Odpowiedź od M&S Credit Card
Hi, This is great to hear that you love to shop in M&S and due to that you get the benefit of the vouchers to then treat yourself. - Kim
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