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.
For your everyday banking
M&S Current Account
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.
Now with a choice of introductory offers
Plus both offers reward you
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!
Helping your ideas become a reality
Personal loan calculator
To borrow would cost you:
per month for the next months
Based on a monthly repayment of you could borrow:
over a term of months
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
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
Convert £ into
If you buy with a M&S Bank Card:
M&S exchange rate of 1 GBP =
Otherwise convert to:
M&S exchange rate of 1 GBP =How to buy:
M&S Bureau de Change
Online - M&S Credit and Chargecard holders only
or call 0800 363 484
Lines are open Monday to Friday - 8am to 9pm, Saturday - 8am to 6pm, Sunday - 10am to 2pm. Calls may be recorded for our mutual security, training and monitoring purposes.
Protecting what is important to you
Simple and straightforward options
If you enjoy wine, find out how it could be more than just a tipple with our guide to building up your own collection.