# M&S Bank — user reviews > 477 indexed App Store user reviews of M&S Bank by M&S Bank, rated 4.60/5 from 107 ratings. - Source: https://appshunter.io/ios/app/m-and-s-bank/id965170355/reviews - App overview in markdown: https://appshunter.io/ios/app/m-and-s-bank/id965170355.md - Rating breakdown: 5★ 90 · 4★ 7 · 3★ 2 · 2★ 2 · 1★ 6 ## 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- 🐛 Slow transaction updates - 🔍 Lack of transaction visibility - 🤔 Confusing navigation - 🔒 Security issues - 🙄 Outdated app design **Commonly reported bugs** - App crashes on startup - Login issues after updates - Unable to access account details **Most requested features** -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 ## Newest reviews (10 of 477) ### 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. ### 1/5 — Locking screen *2026-08-17, version 4.73.0* I have been enjoying the Marks & Spencer’s banking app for a number of years. Today every time I logon, I can see my pending transactions and scroll down, but then the screen completely locks and I can’t scroll up or down and I can’t actually any further transactions because I can’t click load. I can’t click on anything. Contacted Marks & Spencer and and they have no clue. Very disappointing lack of customer service. ### 1/5 — Terrible app. Typical British bank errors *2026-08-12, version 4.73.0* Tried to registered with the app more than 15 times over a span of 2 weeks. No luck. Called and spent 45 mins to discuss what phone I'm using and what OS I currently have... then went to ask about my exact name. Maybe adding a middle name would make a difference. Guess what - they don't even know what's what. All other CC work perfectly and immediately. No help with this one. Avoid at all costs. ### 1/5 — No way to change DD in App *2026-08-11, version 4.72.17* Really? It’s 2026 and I cannot adjust my direct debit amount for my card within the app. Turns out I have to fill in an online form with all my details that are already in the app. Very secure. Probably going to cancel the card. ### 1/5 — Monthly. Statements *2026-08-09, version 4.72.17* My printer does not want to print the statements from my IPhone. Can you send me hard copies by email instead, starting with Jul 2026? ### 1/5 — Disputes *2026-08-02, version 4.72.17* Unable to resolve a dispute on my card ### 3/5 — Credit card *2026-07-27, version 4.72.17* Why on my credit card page does it not show where date of statement is from? ### 3/5 — Frustrated *2026-07-26, version 4.72.17* Poor download options ### 2/5 — My Account *2026-07-24, version 4.72.17* A moan. I have tried repeatedly to correct a problem I have connecting my Sparks card with my account & it’s still not resolved ### 3/5 — Checking *2026-07-24, version 4.72.17* The only complaint I have with this app, is when I’m checking a spend it doesn’t tell me what department I’ve spent in, all I get is groceries 🤔 ## Most critical reviews (10 lowest-rated) ### 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!!! ### 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! ### 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! ### 1/5 — Keeps freezing *2026-08-25, version 4.73.0* Since recent update the screen keeps freezing when you ask to see more transactions. ### 1/5 — Card came too quickly! *2026-08-20, version 4.73.0* The app wouldn’t let me register. After 20 minutes on the phone they explained that the card had come too quickly for their system (!) and to wait seven days for everything to catch up. Frustrating - this could have been made clearer to save the hassle. ### 1/5 — Random freezing *2026-08-19, version 4.73.0* Cannot see more transactions as it freezes when I click on it ### 1/5 — Awful statement and chat service *2026-08-18, version 4.73.0* Dreadful bank, statement misleading and doesn’t state balance to pay so interest is not charged. Also no interest amount given ### 1/5 — Credit card transactions *2026-08-18, version 4.73.0* Ever since the new look app I have found it difficult to reconcile my credit card balance which I do on a weekly basis. There is something about the way the data is presented that seems to enable errors. One thing is the having to go to “more transactions” and then it goes back to the beginning again. It it is more than this. I don’t even understand it myself. I’m an accountant and deal with accounts much more complicated than my credit card every single day. Just horrible. ## Most praised reviews (10 highest-rated) ### 5/5 — Mrs Patricia McLellan *2026-09-04, version 4.73.0* Easy to use the M&S app, easy to follow instructions and there are always helpful people to ask. I am impressed ### 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 ### 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. ### 5/5 — Mrs G *2026-08-26, version 4.73.0* Easy to use & keep track of my spending. ### 5/5 — M@S *2026-08-18, version 4.73.0* Great bank ### 5/5 — M&S *2026-08-16, version 4.73.0* Great App. ### 5/5 — Reliable *2026-08-07, version 4.72.17* Great bank, easy to use app. Very trustworthy. Since app has been updated, it is easier to track spending. Recommend. ### 5/5 — Service *2026-08-06, version 4.72.17* Excellent ### 5/5 — Card Review *2026-07-30, version 4.72.17* Very professional service received especially on unrecognised transactions. --- *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 2026-09-13.*