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M&S Bank

  • M&S PERSONAL LOANS

    Put your plans into action

    Our lowest rate ever, for your best year ever
    3.0% APR representative

    Offer applicable on loans between £7,500 and £15,000 over 12 to 84 months. Credit subject to status. UK residents only. To apply for an M&S Loan you must have an annual income of at least £10,000 and be aged 18 or over.

  • Current accounts

    For your everyday banking

     M&S current account

    M&S current accounts

    You could make a positive change by switching your banking to us. Offer subject to financial criteria and terms and conditions.

    M&S Current Account

    • £170 M&S gift card – when you switch and stay for 24 months*
    • Minimum £500 overdraft at account opening (subject to status). Interest rates apply
    • Access to our high rate Monthly Saver. Terms and conditions apply
    • For banking that’s even more rewarding, for a monthly fee the M&S Premium Current Account offers all these benefits and more.

      *£50 M&S gift card when you switch to us using the Current Account Switch Service and up to £120 when you stay for 24 months. Financial criteria and other terms and conditions apply.

    CREDIT CARD

    Now with a choice of introductory offers

    Transfer Plus offer

    • 0% on balance transfers for 32 months (0.99% fee applies, minimum £5)
    • 0% on shopping for 6 months

    Shopping Plus offer

    • 0% on shopping for 25 months
    • 0% on balance transfers for 25 months (2.9% fee applies, minimum £5)

    Plus both offers reward you

    • Earn M&S points every time you use your card
    • Preferential rates on other M&S Bank products
    • Use Apple Pay or Android™ Pay with your M&S Credit Card

    REPRESENTATIVE EXAMPLE

    Purchase rate
    18.9% p.a.
    (variable)
    Representative
    18.9% APR
    (variable)
    Based on an assumed
    credit limit of £1,200

    THE PERFECT MATCH

    With M&S Bank and Sparks, it's easy to get even more of what you love. You'll enjoy everything from tailor-made offers and priority access to new-season previews and sales and lots of little treats. Plus, every time you use your M&S Credit Card, you'll also be collecting points and earning reward vouchers to spend at M&S too – so M&S Bank and Sparks really are a perfect match!

    PERSONAL LOANS

    Helping your ideas become a reality

    HELPFUL TOOLS

    Personal loan calculator

    LOAN CALCULATOR

    Calculate

    Representative example

    To borrow  would cost you:

     per month for the next  months

    REPRESENTATIVE APR

    Representative , based on an interest rate of  (fixed). Total amount payable 

    Customers who do not meet our normal criteria may be offered a different APR to our standard rates

    New calculation
    An exciting rate for exciting plans 3.3% APR Representative - learn more

    WE ARE PLEASED TO OFFER A GREAT RATE OF 3.0% APR REPRESENTATIVE

    Offer applicable on loans between £7,500 and £15,000 over 12 to 84 months. Credit available subject to status to UK residents aged 18 or over. Full terms and conditions apply.

    Learn more

    TRAVEL

    From travel currency to insurance, we’ve got you covered

    Learn more about M&S Travel Insurance

    M&S TRAVEL INSURANCE

    M&S Travel Insurance offers a choice of cover for you and your family.

    Underwritten by AXA Insurance UK plc. *15% online discount is available for new policies only (excludes renewals).

    Learn more

    TRAVEL MONEY RATES

    M&S Bank cardholder rates listed below. Standard rates are available to non M&S Bank cardholders.

    More currencies available.

    Buy online View all rates All rates

    Please remember to bring your valid photo ID when purchasing travel money in an M&S Bureau de Change.

    CURRENCY CONVERTER

    Calculate

    INSURANCE

    Protecting what is important to you

    Learn more about our M&S Home Insurance

    M&S HOME INSURANCE

    If you take out a new M&S Home Insurance policy you'll receive a £20 M&S voucher for a buildings or content policy or a £40 M&S voucher for combined cover. M&S Home Insurance is underwritten by AXA Insurance UK plc. Terms and conditions apply.

    Learn more
    Learn more about our M&S Car Insurance

    M&S CAR INSURANCE

    As a Which? Recommended Provider you can trust us to deliver quality cover and provide a great service. Arranged and administered by BISL Limited using a panel of insurers. Terms and conditions apply.

    Learn more
    customer stories

    M&S PET INSURANCE

    Multi-pet discount is available for second and subsequent pets in the first policy year only. Terms and conditions apply. Underwritten by Royal & Sun Alliance Insurance plc.

    Learn more

    SAVINGS

    Simple and straightforward options

    Learn more about the M&S Cash ISA

    YOUR TAX-FREE ALLOWANCE FOR 2016/17 ENDS ON 5 APRIL

    You can save £15,240 into a M&S Cash ISA this tax year and enjoy tax-free interest on your savings.

    Learn more
    Learn more about M&S Fixed Rate Savings

    SAVE NOW - AND PLAN FOR THE FUTURE

    Fixed rate savings are a great option if you like to know exactly how much return you'll get.

    Learn more
    Not your average tipple - read the article

    If you enjoy wine, find out how it could be more than just a tipple with our guide to building up your own collection.

    Learn more