# M&S Bank — M&S Bank > Mobile banking app for managing M&S financial accounts and services. (iPhone/iPad app by M&S Bank.) - Source: https://appshunter.io/ios/app/m-and-s-bank/id965170355 (this page in markdown: same URL + `.md`) - Developer: [M&S Bank](https://appshunter.io/developer/965169664) - Category: Finance, Business - Price: Free - Rating: 4.60/5 from 107 App Store ratings · 476 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 446 MB - Languages: American English - Released: 2015-06-18 - Data updated: 2026-09-04 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/m-and-s-bank/id965170355/reviews.md ## What is M&S Bank? Manage your accounts safely and securely with the M&S Bank 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 Bank 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 credit card PIN • ‘Chat with us’ anytime and get notifications when we send a reply • Request a Balance Transfer (subject to available offer) • View and download your statements • Activate your new credit card How to sign in to mobile banking If you’ve not registered for our app download from the App Store and follow the step-by-step instructions. If you’re already registered for Online Banking, you’ll need your username and password to set up our app. 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 M&S Bank (a division of HSBC UK plc) 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. HSBC UK plc 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. ## Key features - Secure sign-in with face/fingerprint - Make payments to accounts - Freeze/report card issues - Request credit limit changes - View card PIN - In-app chat support - Activate new credit card ## What do users think of M&S Bank? Overall sentiment: neutral **Pros** - 👍 Easy to use app - 🚀 Straightforward banking - 💳 Great credit card - 🎁 Excellent rewards program **Cons** - 🐛 Slow transaction updates - 🔍 Lack of transaction visibility - 🤔 Confusing navigation - 🔒 Security issues - 🙄 Outdated app design **Commonly reported bugs** - App crashes on startup - Login issues after updates - Unable to access account details **Most requested features** - Show pending transactions - Improve payment flow - Add biometric login - Integrate with digital wallets - Provide more detailed statements ## Recent user reviews (10 of 476) All indexed reviews: https://appshunter.io/ios/app/m-and-s-bank/id965170355/reviews.md ### 1/5 — Getting in touch *2026-09-02, version 4.73.0* I have tied on your chat line and on phone and am getting NO satisfaction questioning a payment on my account . VERY frustrating!!! ### 5/5 — Accidental *2026-09-02, version 4.73.0* Apologies Pressed accidentally should have been 5stars! ### 5/5 — Great service *2026-09-02, version 4.73.0* Superb banking services ### 2/5 — Confused *2026-08-31, version 4.73.0* Unpaid direct Debit followed by paid direct debit. Now have to start chasing why these comments and actions are on my account and to understand if this is impacting my credit file. ### 5/5 — Great Service *2026-08-31, version 4.73.0* The M&S Credit Card is so easy to use and the customer service is fantastic. In the past Credit Cards were a debt trap but with easy to use app it is so easy to make payments and stay on top of your daily spending. I actually use this card to stay out of debt and not the other way around. ### 1/5 — Account *2026-08-29, version 4.73.0* Slow to update account ### 1/5 — Notifications stopped working *2026-08-28, version 4.73.0* Have always received notifications but for some reason they no longer appear. Every time I try to check them in the App it asks if I want to switch them on but even if I do they don’t stay on! ### 5/5 — Mrs G *2026-08-26, version 4.73.0* Easy to use & keep track of my spending. ### 1/5 — Crashes every time *2026-08-26, version 4.73.0* Crashes every time I open it. Can only see a few recent transactions. When you click on “see more”, it freezes and you have to reset the app. Tried it several times. Doesn’t anybody test these updates before rolling them out? Frustrating because I can’t check if a certain transaction has gone through. ### 1/5 — App Glitchy *2026-08-26, version 4.73.0* App Glitchy! ## Frequently asked questions about M&S Bank ### What can I do with the M&S Banking App? 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. ### Is this app available outside the UK? 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. ### How do I sign in to the app? 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. ### Is there a cost to use the M&S Banking App? 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. ### What if I have a problem with my card? 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. ## Version history (last 5 releases) ### 4.73.0 — 2026-08-12 • Journey enhancements and bug fixes ### 4.72.17 — 2026-07-20 • Journey enhancements and bug fixes ### 4.72.0 — 2026-07-15 Journey enhancements and bug fixes ### 4.71.0 — 2026-06-18 Small enhancements and bug fixes ### 4.70.0 — 2026-06-01 Small enhancements and bug fixes ## Apps similar to M&S Bank | App | Rating | Price | Category | | --- | --- | --- | --- | | [John Lewis Credit Card](https://appshunter.io/ios/app/john-lewis-credit-card/id1609935204) | 4.8 (59) | Free | Finance | | [Mobile Bank UK – Danske Bank](https://appshunter.io/ios/app/mobile-bank-uk-danske-bank/id1365361930) | 4.9 (13) | Free | Finance | | [Virgin Money Credit Card](https://appshunter.io/ios/app/virgin-money-credit-card/id1435763477) | 4.6 (254) | Free | Finance | | [Triodos Bank UK](https://appshunter.io/ios/app/triodos-bank-uk/id1238649529) | 4.6 (14) | Free | Finance | | [first direct](https://appshunter.io/ios/app/first-direct/id405905004) | 4.9 (1,945) | Free | Finance | | [Virgin Money Mobile Banking](https://appshunter.io/ios/app/virgin-money-mobile-banking/id1482269155) | 4.7 (290) | Free | Finance | ## More apps by M&S Bank - [Connect News](https://appshunter.io/ios/app/connect-news/id1469196401) All apps by M&S Bank: https://appshunter.io/developer/965169664 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-04.*