“M&S bank is so difficult use on line and in my phone. I have a 10k + credit limit and want to pay more than the minimum monthly payments but cannot get onto the app.
It is so frustrating.
I am considering making a balance transfer. Perhaps that’s why they make it so complex.
I have 5+ credit cards that I use for different purposes. M&S are by far the most difficult to use. Not happy.”
“I have just joined M&S Bank and have already found the customer service dreadful. Wrong details on my card and still not sorted after 3 weeks. Beginning to think I have made the wrong decision to join M&S Bank.”
“I see from other reviews I’m not alone in finding the M&S banking app difficult to use. I only want to check my balance and available to spend so that I don’t exceed my credit limit which is set up to pay in full anyway, and I’ve never exceeded it, yet M&S refuse to increase my credit limit. The app seems to have been changed again today and I’ve just given up trying to find what I wanted.”
“Not surprised at all the bad reviews. M&S bank are impossible to talk to, on line or on the phone. I only have a credit card with them but since they’ve changed the on line process it’s gone from very simple to very complex. I only want to see my statement to check and then pay monthly but have to go through all the security on the app and the online banking. I use other banks on line no problem but M&S have just not got it right.”
“Do not be fooled by their Personal Loan promises. Firstly, the rate that advertise is almost always not the (much higher) rate you end up paying. But most importantly, don't consider and M&S Bank loan if you need the funds within two weeks. Their process is the SLOWEST around and their communications are non-existent, so you are left waiting for news for days on end.
Absolutely atrocious. And unapologetic.
Borrow from someone else.”
“Basic functions such as DDR set up on app and online banking really poor. Chat service sometimes helpful but in this day and age M&S need to up their game if they want to keep banking customers. Cancelling credit card because of dreadful banking system…”
“Shockingly bad service following my credit card being turned down for NO reason. DO NOT RELY on this credit card. What’s gone wrong after many years of excellent customer service. Customer complaints were hopeless. Will never use them again,”
“Really poor online service. Credit card banking app is also poor. No response on ‘chat’. Will be cancelling my credit card because of this dreadful online banking/app. Need to get into the 21stC with their online banking services and make it user friendly.”
“We tried click & collect 500 euro but were unsuccessful. It kept saying the nearest store is in Charlton whilst we were actually in Bromley store. Pathetic app.
Eventually we got the euros but got the rate of 1.13 to a £. Online app rate was £1.15. So lost out a bit. It’s really appalling M&S app.”
“Marks & Spencer Banknis the worst ever and their card service is even worst Inhave had a problem for nearly a year &!their service I The Philippinesis terrible . Tge staff their talk down to you as if your are the one not speaking English. Terrible terrible terrible”
“I cannot verify a payment for an online purchase using the banking app - the app churns on and on and eventually I’m timed out. I spent nearly an hour trying to resolve it this evening. I told one advisor that I just wanted to revert to the system whereby I was sent a verification code by text. She suggested that I delete the app and they would then revert to the messaging system. I deleted the app but on trying to complete a purchase, I was again told to verify it via the (now nonexistent) app. Hopeless system. This isn’t the first time I’ve had problems with it. I’m not sure what point there is to having a credit card that I cannot use online.”
