M&S Bank

Marks & Spencer Financial Services plc

About this app

Manage your accounts safely and securely with the M&S Banking App. With a range of helpful features, it’s a convenient way to keep track of your M&S Credit Card, Everyday Savings Account and Personal Loan* anytime.
With the M&S Banking App you can:
• Sign in securely with face or fingerprint recognition
• Make payments to your account
• Freeze your card or report a card issue
• Request a change to your credit limit
• View your card PIN
• ‘Chat with us’ anytime and get notifications when we send a reply
• Request a Balance Transfer (subject to available offer)
• View your statements
• Activate your new credit card
*Personal Loan is only available to view if you are an M&S Credit Card customer.
Important things to know (the legal/official bit)
This app is designed for use in the United Kingdom (UK). The products and services represented within this App are intended for UK customers.
This app is provided by Marks & Spencer Financial Services plc (‘M&S Bank’) for the use of existing customers of M&S Bank. Please do not download this app if you are not an existing customer of M&S Bank.
M&S Bank is authorised in the UK by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.
If you are outside of the UK, we may not be authorised to offer or provide you with the products and services available through this App in the country or region you are located or resident in.
This App is not intended for distribution, download or use by any person in any jurisdiction, country or region where the distribution, download or use of this material is restricted and would not be permitted by law or regulation.

Important things to know (the legal/official bit)
This app is designed for use in the United Kingdom (UK). The products and services represented within this App are intended for UK customers.
This app is provided by Marks & Spencer Financial Services plc (‘M&S Bank’) for the use of existing customers of M&S Bank. Please do not download this app if you are not an existing customer of M&S Bank.
M&S Bank is authorised in the UK by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.
If you are outside of the UK, we may not be authorised to offer or provide you with the products and services available through this App in the country or region you are located or resident in.
This App is not intended for distribution, download or use by any person in any jurisdiction, country or region where the distribution, download or use of this material is restricted and would not be permitted by law or regulation.

Ratings and reviews

The worst thing about this app is that it is always 'unavailable' whenever I am not on WiFi. I sent a help request, and, although the response was quick it was useless. The person who contacted me said "it should work" (I knew that) and that I should check my Internet connection. Which is an odd response, given that the problem is that it ONLY works when it is over WiFi. I asked if I could get some more experienced tech support, but nothing forthcoming so far.

Honestly signing up for this app almost made me throw my new credit card in the bin. Absolutely ridiculous security questions and requirements. What is your favourite meal , answer must be over 6 characters. Why!!! I forgot the details immediately and almost couldn't log in 2 mins after setting them. Seriously avoid unless you have lots of patience or will just write them all down which is very unsecured and defeats the object completely. Over the top m&s!

Update to my original review, which is all still sadly true. The app hasn't opened at all (since last update?), just getting the M&S logo screen. 31.05.25 Poor in comparison to other banking apps I'm very disappointed with this app. it takes several days for transactions to show. Other apps I've used show transactions almost immediately and show pending transactions. Pending transactions would be a helpful feature if it wasn't rendered pointless by the delay in displaying transactions.

What’s new

We’ve refreshed our app with an improved design, making it quicker and easier to bank with us.

Here’s what’s new:
• Dedicated Cards hub to make it easier to manage your account
• An enhanced mobile chat that acts like your own assistant throughout the app

New features are gradually rolling out over the next few months, so if you see them right away don’t worry, they’ll be with you soon.