M&S Credit Card Anmeldelser 

Very pleased with M&S Bank so far, have been with them for many years and fortunately had no problems. Easy to use website to find all your transactions.

Great app and even better vouchers. I've stayed trad with mailed rewards. Getting my M&S vouchers is my monthly credit card highlight. It's not just a credit card...

I like to know when I spend on a credit card. M&S send a notification every time. A year ago I had a notification that my card had been used to buy a high value item. I contacted the support team and they dealt with it calmly and effectively.
I like the offers and rewards, plus M&S premium club.
Their integration with the M&S Sparks card app is really good. Easy to use and the offers are good and targeted to me.

Easy to apply, processed quickly and straightforward to set up online

While I have access to a smart phone at times I don't always use one, and this rubbish cannot be accessed via a PC.

Tried, but I keep getting referred back to the phone app. Not sure how I can reach out when the bank isn't interested in anything other than smart phones

I love M&S they always come to be my life saver when I needed a balance transfer. Effortlessly they inform me i have one available then everything was done in five minutes. Brilliant.

Great to enter a competition and something to look forward to and you might win.

Great no problems easy to use and the app is very easy to see balances pay your card or just keep track

I've been an M&S Credit Card holder for many years and have always found their banking app to be customer-focused, intuitive, and easy to use. I use the card for both everyday spending and larger purchases, as it provides added security and peace of mind. With scams and fraudulent activity becoming increasingly common, it's reassuring to have the extra protection that comes with using the card. Overall, I've had a very positive experience and would happily recommend it.

The M&S credit card is the only one I possess and that’s because it’s easy to use and payment is regular and very straightforward. I have recommended it to other people with confidence.
Satisfied customer.

In a world where big tech is encroaching more and more into our daily lives, M&S banking app is incompatible with wanting to de-Google and have a more private, secure and peaceful life.

Generally a positive experience when using the app on my old S10 on stock Google Android. However, M&S makes it impossible to use their banking services on non-Google Android ROMs based on the Android Open Source Project (AOSP) including LineageOS (which extends the lifetime of devices to avoid planned obsolescence) and GrapheneOS (GOS).

I work in cyber security as a Security Architect, hold CISSP and a First Class Cyber BSc and wanted to move away from Google to de-Google my life where I can (within reason). So I installed GOS on my Pixel. At first the M&S app continued to work. Yet recently an update to the app means it now accuses my phone of being rooted and refuses to load. This is incorrect. My device is not rooted in any way, yet my GOS device clearly fails a Google-based integrity check that M&S banking app is contingent on. My frustration is compounded as logging into online banking in a browser only works via the app (which I obviously can't access). Thus, I now no longer have access to my credit card account. Fantastic (not). The irony being GOS is more secure and far more private than stock Android.

Nationwide, Natwest, Barclays, Starling, Tandem, etc., do not do this. Monzo tells you you're running a non-stock Android, but lets you use it. Heck, whilst Lloyds has a similar issue to M&S Bank, at least that lets you log in via a browser WITHOUT the app.

The M&S Banking app states it's doing this to keep me more secure, but as a Security Architect myself with many years experience in the field, the security controls enforced by M&S signify security done badly where the security controls are poorly considered and negatively impact the user experience. It's like M&S have offloaded/outsourced their security to a Google check rather than really doing their own work. It's lazy and overly restrictive, and was likely done for cost saving reasons rather than develop their own software security enforcing functions.

The cherry on the top is that without the app and no contact email, I'm severely limited in my options to complain. Even the online chat isn't working for me. Hence this review.

I can only hope that a hardware-backed attestation standard that doesn't route trust through a single gatekeeper is adopted in the future. Until such a time as that, I'll be voting with my feet, closing my account and moving to a bank that doesn't treat me like a half-witted 3 year old.

Spent 18 mins on hold, paying for that call, to ask basic questions about a balance payment deal, not answered by the website. Finally got through to a nice guy on a bad line to the Philippines. After 23 mins told no I can’t do it over the phone, have to do it on the M&S Bank app I gave up on a long time ago. Too fiddly for a sick customer. Why not say so on the website? So often even the most basic tasks with M&S turn out to be a hassle. It’s mantra about ‘high call demand’ also galling - same excuse every day, every time of the day. Easily solved by investing in more staff rather managers’ bonuses and profits.

Always advising you on your credit card limits when near triggering.

They were the first bank to give me a credit card, 16 yes ago when I started to work in the UK. I've not had one day of issues. Amazing bank and I will always support them

Usual useless Ai help. If you want to dispute a subscription amount,you have to fill in a form, screen shot evidence and then get told it will take 60 days. In summary just a typical self serving bank with zero customer service

I have now had my reward credit card for 6 months. So the policy to increase the credit limit is…..you can only do it after you have been with them for 6 months.

So today, I tried to increase this limit through the app. It didn’t work, told me an error had occurred and advised me to contact customer services.

So I used the app chat. It took them nearly an hour to reply to my message. The message told me to phone them!

So I phoned them. I was told that as I had submitted a credit increase today, I would have to wait another 6 months before submitting another one.

As the automated system did not take my excellent credit score into account, what is the point.

It is incredibly difficult to get to speak to anybody at M & S bank. When you do, they can’t help you and are bound by rules which are not customer friendly.

No doubt I will get a patronising reply inviting me to chat to them again about this review.

I recently signed up for M&S Sparks and also applied for the M&S credit card, attracted by the introductory offer.
Unfortunately, the experience was disappointing. The card arrived with a £3,000 credit limit, despite my having indicated during the application process the limit I required. After a waiting 30-minutes on a call to M&S Bank, I was told that an increase could not even be considered for six months.

I appreciate that credit decisions are a matter for the lender, but given my financial circumstances, excellent credit history and longstanding relationship with HSBC, I was surprised by the decision. More importantly, I would have appreciated some contact before the card was issued if the limit I had requested could not be accommodated.

The £3,000 limit simply wasn't useful for my purposes, and I wasn't prepared to spend six months establishing a track record in the hope that it might subsequently be increased. I therefore cancelled the card on the day it arrived and also decided to close my Sparks account.

The customer service experience didn't help: calls to M&S Bank took more than 30 minutes to be answered.

A disappointing introduction to M&S financial and loyalty products, particularly as I had initially been quite interested in both.

I have always been pleased with my credit card. When I joined I had to give my debit card so that if I didn’t pay off in full they would take a minimum amount from this debit card. I received what felt like a threatening letter telling me my direct had been cancelled and I needed to pay an amount immediately or reinstate the debit card. For years I have paid in full and the debit card has never been needed. This made me very concerned because my last statement had been paid in full as always. I had to wait more than 30 minutes to be answered with numerous special codes I had to put in the verify who I am. They all failed till finally a human checked it. She was pleasant but it was totally ridiculous what I was told. This letter was sent because I always paid in full - so why was money being demanded of me. Then she said I needed not do anything or even reinstate my debit card. Thanks very much for this threatening letter ruining my day thinking that you had not received my payment even though I had proof on my credit card and bank that I had.

The App is hopeless and trying to speak to someone is even worse. The app just keeps sending you round in circles, Doesn't recognise password. re set it, still doesn't recognise you. And round you go again. Given up on it