M&S Bank

  • M&S Personal Loans

    Our lowest rate ever

    2.8% APR representative

    Learn more about M&S Personal Loans

    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 everyday banking

    M&S Current Accounts

    You could make a positive change by switching your banking to us. Offer subject to financial criteria and terms and conditions.

    M&S Current Account

    • £185 M&S gift card – when you switch and stay for 12 months*
    • Minimum £500 overdraft at account opening (subject to status). Interest rates apply
    • Access to our high rate Monthly Saver. Terms and conditions apply

    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.

    Learn more about the M&S Current Accounts

    Current account switch guarentee

    Credit card

    Now with a choice of introductory offers

    Transfer Plus offer

    • 0% on balance transfers for 32 months (0.99% fee applies, minimum £5)
    • 0% on shopping for 6 months

    Shopping Plus offer

    • 0% on shopping for 25 months
    • 0% on balance transfers for 25 months (2.9% fee applies, minimum £5)

    Plus both offers reward you

    • Earn M&S points every time you use your card
    • Preferential rates on other M&S Bank products
    • Pay on your mobile using your M&S Credit Card

    Representative example

    Purchase rate

    18.9% APR

    Based on an assumed
    credit limit of £1,200

    Sparks card; 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!

    Personal loans

    Helping your ideas become a reality

    Personal loan calculator

    Your Results

    Representative example

    To borrow  would cost you:

     per month for the next  months

    Change the term?

    • 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

    We are pleased to offer a great rate of 2.8% 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 about personal loans


    From travel currency to insurance, we've got you covered

    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 about M&S Travel Insurance

    Travel money rates

    M&S Bank cardholder rates listed below. Standard rates are available to non M&S Bank cardholders.

    More currencies available.

    View all rates travel money rates

    Please remember to bring your valid photo ID when purchasing travel money in an M&S Bureau de Change.

    Currency converter


    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.

    Learn more about M&S Home Insurance

    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.

    Learn more about M&S Car Insurance

    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.

    Learn more about M&S Pet Insurance


    Simple and straightforward options

    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 about the M&S Cash ISA

    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 about the M&S Fixed Rate Savings

    Easy access savings with no penalties

    An easy access account you can open with just £1.

    Learn more about the M&S Everyday Savings Account


    M&S Bank on Twitter

    M&S Bank are here to help 24/7. Tweet us with your query.

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    M&S Bank on Facebook

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