Support and information can be found on our Covid-19 support page.

To help assist you at peak times, we have updated our telephony opening times, please only call if it is urgent, so we can help those most in need. Please view our contact us page for our current opening times.

We're introducing an NHS and emergency services banking hour, from 6-7pm every day. We'd ask that customers avoid calling us for their routine banking needs during this time.


Switch to us

We are required to publish the Financial Conduct Authority Service Quality Information for personal current accounts.

Current Account

Simple, straightforward banking from M&S

Everything you expect from a bank, with some nice extras.

  • Access to an arranged overdraft that suits your needs at account opening (subject to status). Interest rates apply.
  • Access to the high rate Monthly Saver when you've switched using the Current Account Switch Service and have two active Direct Debits.
  • Access to the M&S Loyalty Scheme.

All for no monthly account fee.

Learn moreabout the M&S Current Account

M&S Premium
Current Account

For banking that's even more rewarding

All the benefits of the M&S Current Account plus:

  • £132 worth of hot drinks vouchers for the M&S Café.
  • £45 worth of treats and delights vouchers.
  • £40 a year in M&S vouchers for clothing and home.
  • Birthday gift.

The M&S Premium Current AccountSM&S Premium Current Account costs £10 a month.

The M&S Premium Current Account is automatically renewed monthly.

Learn moreabout the M&S Premium Current Account

Switch to us

Get more from your current account

Switch your everyday banking to usSwitch your everyday banking to us using the Current Account Switch Service online, in branch or by phone with our switching team.

Learn moreabout the M&S switching bank accounts

Overdraft Tools

Our overdraft calculator will help you understand the costs of borrowing using an M&S current account overdraft.

Our overdraft eligibility tool allows existing and new current account customers to check the overdraft amount you may be eligible for before you apply. For existing current account customers, using this tool won't affect your current arranged overdraft if you already have one with us. Once you're ready to apply just call us on 0345 900 0900 or visit your local M&S Bank branch.

If you do not have a current account with M&S Bank you can apply online, call us on 0345 900 0900 or visit your local M&S Bank branch.

Accounts subject to status and account conduct. You must be aged 18 or over.