Also known as: M&S Bank; M&S Insurance
Marks and Spencer Financial Services plc, trading as M&S Bank, is a retail bank and financial services provider operating under the M&S brand. It has been part of HSBC Group since 2004. The company offers credit cards, savings accounts, current accounts, and a range of insurance products to M&S customers.
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Credit cards, current accounts, savings, loans, travel insurance, home insurance, pet insurance
Trading names and group notes
M&S Bank and M&S Insurance are trading names of Marks & Spencer Financial Services plc. HSBC UK Bank plc provides the underlying banking infrastructure. M&S Financial Solutions Limited is a separate FCA-registered entity within the group.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
3.9
Approx. 3,000 reviews
Other review and social proof
Mixed reviews on Trustpilot — positives around credit card rewards and balance transfer deals; Common complaints: slow payment processing (3-day delay), app functionality issues, difficulty increasing credit limits; App available on Google Play (com.mns.mnsuk.android) and Apple App Store (id965170355); LinkedIn page: linkedin.com/company/mandsbank; FCA register page: register.fca.org.uk/s/firm?id=001b000000MfGS1AAN
Overall public sentiment
Customer sentiment is mixed. Customers appreciate the M&S brand association, competitive balance transfer offers, and rewards. Recurring negatives include slow payment registration, app glitches, and difficulty raising credit limits. Overall Trustpilot score of 3.9/5 reflects moderate satisfaction.
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