Manage your M&S Credit Card, Savings Account, and Personal Loan securely. Features include secure sign-in, payment management, card freezing, credit limit changes, and in-app chat support.
Summarized from real user reviews of M&S Bank. Based on 109 reviews and a 4.6/5 average, it highlights the 4 positives and 5 negatives reviewers mention most about this Finance app.
4.74.0
September 21, 2026
Journey enhancements and bug fixes
3 issues
App crashes on startup
Login issues after updates
5 requests
Show pending transactions
Improve payment flow
The app allows you to manage your M&S Credit Card, Everyday Savings Account, and Personal Loan. You can sign in securely, make payments, freeze your card, request credit limit changes, view your PIN, chat with support, and activate new credit cards.
No, this app is designed for use in the United Kingdom and its products and services are intended for UK customers. If you are outside the UK, M&S Bank may not be authorized to offer these products and services in your region.
If you are already registered for digital banking, you will need your username and password to set up the app. If you haven't registered yet, you'll need to visit marksandspencer.com/internetbanking to set up your digital banking services first.
The app itself is free to download and use for existing M&S Bank customers. There are no direct charges for using the app's features to manage your accounts.
The app provides a feature to freeze your card instantly if you've lost it or suspect it's been compromised. You can also report a card issue directly through the app for assistance.
