skip to main content

M&S Bank

  • M&S PERSONAL LOANS

    We could help turn your dreams into reality

    An exciting rate for exciting plans

    Learn more >

    3.3% 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 every day banking

    M&S Current Account

    £100 M&S gift card when you switch*

    • Banking with no monthly fee
    • Access to preferential rates on selected M&S products

    * Offer subject to financial criteria and terms and conditions.

    NEW LEAF, NEW LIFE

    From a digital marketing executive to a successful garden designer.
    Jilly turned over a new leaf by making a life switch. Could switching work for you?

    Watch Jilly's life switch story

    CREDIT CARD

    The perfect shopping partner

    19 months' shopping with no interest to pay. 18.9% APR representative variable - learn more

    A CREDIT CARD IT PAYS TO USE

    Love shopping at M&S? Then you'll love the extras you get with an M&S Credit Card

    Learn more

    M&S CREDIT CARD

    Benefits of an M&S Credit Card

    • 0% on purchases for 19 months
    • 0% on balance transfers for 15 months (2.9% fee applies, minimum £5)
    • Earn M&S points every time you use your card
    • Preferential rates on other M&S Bank products
    • M&S Bank with Apple Pay - the easy way to pay with your 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

    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 3.3% 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 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 you when you need it most

    Learn more about our M&S Home Insurance

    M&S HOME INSURANCE

    Protect your home and garden with M&S Home Insurance.

    Plus £20 vouchers for new customers and an online discount. Terms and conditions apply.

    Underwritten by AXA Insurance UK plc.

    Learn more
    Learn more about our M&S Car Insurance

    REWARDING COVER

    As an M&S Bank Cardholder you're entitled to exclusive offers when taking out a new car insurance policy. What's more you'll receive an exclusive offer at renewal too. Terms and conditions apply.

    Arranged and administered by BISL Limited using a panel of insurers.

    Learn more
    customer stories

    CUSTOMER STORIES

    M&S Home Insurance will be there when you need us most. See what our customers have to say.

    Learn more

    SAVINGS

    Simple and straightforward options

    Learn more about the M&S Cash ISA

    MAKE THE MOST OF YOUR TAX-FREE CASH ISA ALLOWANCE

    The M&S Cash ISA is a great way to 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