Our lowest rate ever
2.8% APR representative
Choose your paint wisely.
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.
*£125 M&S gift card when you switch to us using the Current Account Switch Service and up to an additional £60 when you stay for 12 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
If you pay monthly for your M&S Home Insurance you won’t be charged any interest for doing so. M&S Home Insurance is underwritten by AXA Insurance UK plc. Terms and conditions apply.
Receive a free dash cam when you purchase a new premier policy. Arranged and administered by BISL Limited using a panel of insurers. Terms and conditions apply.
A dog activity monitor with a new dog insurance policy. An M&S voucher with a new cat insurance policy. Excludes renewals and amendments to existing policies, terms and conditions apply. Underwritten by Royal & Sun Alliance Insurance plc.
Simple and straightforward options
EASY ACCESS SAVINGS WITH NO PENALTIES
An easy access account you can open with just £1.