Personal Banking, Insurance And Travel Services

Current accounts

For your everyday banking

£185 M&S gift card when you switch and stay for 12 months

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

Learn more about our current accounts

Credit card

Now with a choice of introductory offers

Shopping Plus offer

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

Reward Plus offer

£20 M&S reward voucher on your first spend
Double points on all your M&S shopping for the first 12 months
0% on shopping for 6 months

Transfer Plus offer

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

Whichever offer you choose

Earn M&S points every time you shop
Preferential rates on other M&S Bank products including travel money
Make mobile payments using your M&S Credit Card

Representative example

18.9%
Purchase rate p.a. (variable)

18.9% APR
Representative (variable)

£1,200
Assumed credit limit

Learn more about our credit card

Personal loans

Helping your ideas become a reality

Personal loan calculator

Loan amount required:

Start repayments:

Have you got an existing loan, current account or card (where you're the main cardholder) with M&S Bank?

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

Apply now

New calculation

Lower rate, bigger opportunities

2.8% APR representative

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

Learn more about our personal loans

Travel

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

15% discount on new policies when you buy online*

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

Learn more about our travel services

Insurance

Protecting what is important to you

M&S Home Insurance

Spread the cost of your cover

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

M&S Car Insurance

Up to 15% cardholder discount online

Save up to 15% when buying or renewing a policy online. Arranged and administered by BISL Limited using a panel of insurers. Terms and conditions apply.

Learn more about M&S Car Insurance