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M&S Bank

M&S Bank

M&S Bank

112 ratings
517 reviews
💼 Business
💰 Finance
Free

Details

Released
June 18, 2015
Updated
November 4, 2026

Features

Developer

HSBC UK Bank plc
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❓5 answered
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About

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.

✓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
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What users say about M&S Bank

Reviews of M&S Bank are mixed: the Finance app is rated 4.6/5 from 112 App Store ratings. What users like most: easy to use app, straightforward banking. Top complaints: slow transaction updates, lack of transaction visibility. Summarized from real user reviews.

Positive things

  • 👍Easy to use app
  • 🚀Straightforward banking
  • 💳Great credit card
  • 🎁Excellent rewards program

Negative things

  • 🐛Slow transaction updates
  • 🔍Lack of transaction visibility
  • 🤔Confusing navigation
  • 🔒Security issues
  • 🙄Outdated app design
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+1

What's New in M&S Bank

4.76.0

November 4, 2026

Feature enhancements and bug fixes

User reviews

Most RecentHighest RatedLowest Rated

Easy to use

The app is really user friendly. Navigating through the app is easy and understandable. Not complicated at all. Thank you M&S
RRoyalpriest

Statement

It is difficult to follow the information in the statement. It is not clear how much is owed and what date the statement is up to. A debit card statement is much simpler to follow.
BBazzarcode

Chat Bots are terrible

App not user friendly and chat bots are the worst.
LLllpppo

Poor response

Slow response and difficulty understanding
M1Malc 1950

Basic

I’m staggered that nowhere on the app you can view your cc details (long number etc) ..I’ve never had a banking app that does not allow you to see it, have to dig plastic card out. Rubbish.
D2Dude 203
See 512 more reviews

Developer apps

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by Marks & Spencer Financial Services plc

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Free
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User experience

🐞

Reported Bugs

3 issues

App crashes on startup

Bug

Login issues after updates

Bug

Unable to access account details

Bug
✨

Requested Features

5 requests

Show pending transactions

Feature

Improve payment flow

Feature

Add biometric login

Feature

Integrate with digital wallets

Feature

Provide more detailed statements

Feature

FAQ

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.