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Making a complaint

How we handle complaints

If you contact us with a complaint we'll do our best to resolve it immediately. If this isn't possible, we'll write to you within 5 working days. And, if we need more time to investigate, we'll send you an update within 4 weeks.

If you're still not satisfied, or it takes more than 8 weeks to resolve your complaint, you have two options. You can take your case to the Financial Ombudsman Service or use the online European Online Dispute Resolution platform. Currently we believe the latter will be forwarded to the Financial Ombudsman Service, so this may be a slower option.

If you wish to make a complaint you can do so via our contact us form. Alternatively you can find useful contact information here.

See how well we're dealing with customer complaints

At M&S Bank, we’ve always worked hard to exceed our customers' expectations. We know we don't always get things right; that’s why customer feedback is so important. It gives us insight into the areas where we need to improve.

What matters is to fix the right things - those things that matter most to our customers. So, through our customer surveys and social media pages, please keep letting us know how we’re doing. We’ll continue to improve what we do, so that we deliver an excellent service we can be proud of.

In 2017 our key priorities will continue to be:

  • Listening to our customers through their direct feedback and responses to customer surveys.
  • Working on the root causes of complaints and the individual outcomes for our customers, so issues can be fixed properly first time.
  • Looking at all the different interactions customers have with us, so we can make the whole banking experience better.
  • Simplifying our products and services and the processes behind them.

So you can see how we are doing, we've provided a summary of our complaints data for the second half of 2016.

Firm name: Marks & Spencer Financial Services Plc
Group: HSBC Group
Period covered: 1 July – 31 December 2016
Trading names covered: M&S Money, M&S Bank, M&S Insurance, M&S Savings and Investments

Banking includes our lending products (cards, loans, personal reserve), savings and current account products. Decumulation is the way in which customers can turn their accumulated assets into an income.
Product / service groupingNumber of complaints opened by volume of businessNo. of complaints openedNo.of complaints closed% closed within 3 days% closed after 3 days but within 8 weeks% upheldMain cause of complaints opened
Banking & Credit Cards 4.44 per 1000 accounts14,79814,57866.6%32.0%53.7%Other general admin/customer service
Home Finance n/a n/a n/a n/an/an/an/a
Insurance and Pure Protection28.00 per 1000 policies in force13,44513,0592.5% 97.4%69.9%Unclear guidance/arrangement
Investments0.00 per 1000 client accounts000.0%0.0%0n/a
Decumulation and Pensionsn/an/an/an/an/a n/a n/a
Credit Related 3.37 per 1000 accounts51751265.8%32.8%58.8%Other general admin/customer service

Prior to 29 June 2016, FCA did not require firms to submit complaints data for complaints that were resolved by the end of the following working day after they were received. From 30 June 2016 that rule changed so that all complaints become reportable resulting in the increased volumes above.

In the final six months of 2016, we also opened 19 complaints relating to Marks and Spencer Unit Trust Management Ltd and 1 complaint relating to Marks and Spencer Savings and Investments Ltd.

Complaints history

Financial Ombudsman Service

If you wish to, you should contact the Financial Ombudsman Service within six months of the date on our final letter to you.

Call 0800 023 4567. Calls to this number are now free on mobile phones and landlines.

Or 0300 123 9123. Calls to this number cost no more than calls to 01 and 02 numbers.

These numbers may not be available from outside the UK - so please call from abroad on +44 20 7964 0500.

Write to the Financial Ombudsman Service, Exchange Tower, London, E14 9SR.

Alternative dispute resolution (ADR) can take place in various ways, including face-to-face, by telephone, in writing or online. To encourage use of online dispute resolution (ODR) there is an ODR platform created by the EU Commission which allows consumers to submit their complaint through a central site which will forward the complaint to the right ADR scheme. In relation to an agreement with us, this is the Financial Ombudsman Service and you can also contact them directly as per the above contact details. For more information about ODR please visit

Financial Conduct Authority (FCA)

For further information and published complaints data visit the FCA website.


* Complaints upheld by firm refers to the percentage of complaints the bank has found in the customer's favour either in whole or part.

**Complaints within the General Insurance and Pure Protection category relate to the average number of policies in place in the reporting period. In line with industry practice, the number of open and closed complaints do not include complaints from customers who had not purchased the product.

Are my savings safe?

Your M&S Bank savings are covered by the Financial Services Compensation Scheme, up to the current limit.

Answers to your savings questions

Debt worries?

If you have an M&S Credit Card or M&S Loan and you're concerned about your financial situation, please call us on 0345 900 0900.

Victim of card fraud?

If you spot suspicious activity on your card account, call us immediately on
0345 900 0900.

Ask Hannah

Have a question about M&S Bank's products and services? Just ask Hannah, our online virtual assistant.