M&S current accounts are now closed
Our M&S current accounts are now closed. If you held a credit balance less than £5, this will be donated to MIND charity unless you instructed us with alternative details to return the money to. If your balance was greater than £5, this would have been returned to you via a cheque.
If you had a debit balance on 30 September, we need to speak with you as your overdraft facility has been removed which could negatively impact your credit rating. Please call us on 0345 300 1312 for further assistance. Lines are open 8am-6pm Monday to Friday and 8am-4pm Saturday.
I never received my credit balance cheque?
We are sorry to hear you have not yet received your cheque. Please contact us on 0345 900 0900 and a customer service adviser will be able to look into this for you.
I can't afford to repay my outstanding debit balance - what options do I have?
You will need to speak to a member of our Financial Support team to discuss next steps.
We understand how difficult things can be if you're struggling financially. If you're not sure what to do, you should get help as soon as possible. For free, independent advice, you can contact these organisations:
- StepChange Debt Charity – call them on 0800 138 1111 or visit StepChange
- Citizens Advice – call them on 03444 111 444 or visit citizensadvice.org.uk
- The Money Advice Service – for free, impartial information and tools to help you manage your money, call them on 0800 138 7777 or go to moneyadviceservice.org.uk
- Advice UK – call them on 0300 777 0107 or visit adviceuk.org.uk
- Advice NI (if you live in Northern Ireland) – call them on 0800 028 1881 or visit adviceni.net
- National Debtline – call them on 0808 808 4000 or visit nationaldebtline.org
I have lost my credit balance cheque – can you reissue a new one?
Please contact us on 0345 900 0900 and a customer service adviser will be able to look into this for you and arrange for your credit balance to be sent to you.
Transaction history
Once we have closed your account, we will provide your transaction history (free of charge) covering a period of up to 5 years. We are not required to provide transaction history relating to any payment transaction that occurred 5 or more years prior to the date of account closure.
In most circumstances we’ll email this to you within 10 working days of your account closing. If you would like to opt out of this service or request transaction history for less than 5 years, please let us know by calling the number below.
If we do not hold a valid email address on record, we will ask you to provide this or details of an alternative delivery method. Unfortunately, we will be unable to send information if you do not contact us.
Transaction history up to 5 years after account closure
You may request transaction history if you have closed your account within the previous 5 years. We will normally be able to provide you with a transaction history covering a period of up to 5 years. However, we are not required to provide a payment transaction history in relation to any transaction that occurred 5 or more years prior to the date of your request. For example, if you requested your payment transaction history 3 years after account closure, you would only be entitled to the last 2 years of payment transaction information.
If you no longer hold an account with us, we may firstly ask you to send us identification documentation. Once this is received, in most cases we will issue statements by email within 7 working days.
For both payment transaction history at account closure and up to 5 years after account closure, there may be exceptions that prevent us from providing this information. Please contact us for more information.
If you have any questions, please call us on 0345 900 0900.
Important documents
M&S Banking Terms and Conditions
M&S Current Account closure information(PDF document)(opens in a new window)
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