M&S Banking

Marks & Spencer Financial Services plc

About this app

Manage your banking on the go with the M&S Banking App.

Here’s what you can do:

• Activate your M&S Credit Card using the app
• Our new secure Chat with us feature allows you to ask questions about your account directly in the app
• Digital Statements available for M&S Credit Card and Everyday Savings Account customers.
• View balances on most M&S Bank accounts you hold
• See transactions on any M&S Credit Card and Everyday Savings Account
• Make payments to your M&S Credit Card using a debit card

Help when you need it. Our new Chat with us feature means you can now ask questions about your account within the app. If your question can’t be answered there and then, one of our agents will message you back – it’s as simple as that.

Once you’re registered for our Internet Banking service, accessing your account on your mobile is easy

Just download the app, set up your new Digital M&S PASS using your Internet Banking username and password and you’re all set. What’s more, if your phone allows it, you can sign in quickly and securely using your fingerprint or face. Your new Digital M&S PASS will then allow you to access our full range of services on Internet Banking quicker than ever before.

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 and regulated in the UK by the PRA (Prudential Regulation Authority) and the FCA (Financial Conduct 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.

I'm locked out of the app, and the instructions to get back in are to launch the app to generate a code, which isn't possible for a newly downloaded app, you'd have to find someone else with the app to generate it for you. The only live chat is also within the app. I'm in Canada so can't call. Major flaws which aren't issues with other providers. As I recall, once inside the app isn't very user friendly at all. M&S need to catch up.

The app, never brilliant, is getting worse if that's possible. The balance shown never includes pending transactions. Options to switch back to paper statements weren't available as the screen where you were supposed to be able to change things was blank. The chatbot help system was utterly useless. Now, the list of recent transactions is just greyed out with no transactions visible. I wonder why I keep looking at the app as it can't tell me anything useful.

What's new

Minor bug fixes