What a useless banking app. Initially I had a hard time getting it onto my phone, but finally succeeded. I want to look up my bills on my pc, so I try to log in but then I need a pin. So I dig out my mobile and request a pine. The M&S banking app is so pathetic that it takes at least 15 minutes to get a pin. A customer service rep told me weeks ago that I could have a device for my home so that I would not have to use my mobile. Needless to say nothing has come for me so I can bypass the pin. Today I have been sitting here for almost 20 minutes waiting. Sad.