M&S Bank Terms & Conditions

Website Terms and Conditions

M&S Bank is a trading name of Marks & Spencer Financial Services plc.

Registered in England No. 1772585. Registered office: Kings Meadow, Chester, CH99 9FB. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Marks & Spencer Financial Services plc is entered in the Financial Services Register under reference number 151427. M&S Bank is part of the HSBC Group. Marks & Spencer is a registered trademark of Marks and Spencer plc and is used under licence. © Marks & Spencer Financial Services plc . All rights reserved.

Marks & Spencer Financial Services plc is a member of the Financial Ombudsman Scheme and adheres to the Standards of Lending Practice.

Should you wish to contact Marks & Spencer Financial Services plc, please refer to the Contact Us page which can be found on each page of the site.

Please read the details set out below carefully before using this website, as well as our Cookie Policy ('Cookie Policy') and Privacy Notice. By accessing this Site, you agree to be bound by them. We may change the content or services found on our Site at any time without notice, and consequently the Terms may change at any time in the future.

  • References to 'the Terms' mean these conditions of use
  • References to 'the Site' mean the Marks & Spencer Financial Services plc website (marksandspencer.com/bank)
  • References to 'Content' means all pages, screens, information and materials included in or accessible through this Site (including any content available on any email or SMS services)
  • References to 'you', 'your' and 'yours' mean the person(s) accessing the Site and the party on whose behalf you are doing so
  • References to 'we', 'us' and 'our' mean Marks & Spencer Financial Services plc
  • References to 'M&S Bank' mean Marks & Spencer Financial Services plc
  • References to 'HSBC Group' means HSBC Holdings plc, its subsidiaries and associated companies from time to time

Site Terms

These Terms cover your use of this Site. All products and services provided by M&S Bank have their own terms and conditions (the 'Product Terms'). You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms then the Product Terms will prevail.

Information not recommendation

Information or opinions contained on this Site do not constitute an offer to sell or a solicitation, or offer to buy, any securities or financial instruments or investment advice or any advice or recommendation in respect of such securities or other financial instruments.

Should you seek to rely in any way whatsoever upon any content contained on this Site, you do so at your own risk.

Before you make any decision or take any action that might affect you or your personal finances or business, you should always consult a suitably qualified professional adviser(s) to obtain appropriate financial, legal, accounting, tax and other advice.

Users of the site

This website is designed for use in the United Kingdom (UK). The products and services represented within this website are intended for UK customers.

This website is provided by Marks & Spencer Financial Services plc (‘M&S Bank’). M&S Bank is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA).

If you are outside of the UK, we may not be authorised to offer or provide you with the products and services available through this website in the country or region you are located or resident in.

This website is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation.

No warranties

The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or the rules of the FCA for the conduct of business.

While we have taken reasonable steps to ensure the accuracy, currency, availability correctness and completeness of the information contained on the Site, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site to the maximum extent permitted by law.

We do not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.

Third party sites and endorsements

Where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked from or linking to this Site. We have not verified the content of any such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in other way in connection with linking. When you access or link to any other website, please read the terms and privacy notice issued by such other website to determine the policies that apply to information or data maintained by that website. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site.

Trade marks and copyright

Copyright in the pages screens, information and material in their arrangement included in this Site is owned by or licensed to M&S Bank unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular no one may use a part of our Site on any other website, or link any other website to our Site, without our prior written permission.

Internet email

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to M&S Bank or any message sent by M&S Bank to you over the Internet.

We maintain strict security standards and procedures to prevent unauthorised access to information about you. M&S Bank will never contact you by email or otherwise to ask you to validate personal information such as your user ID, password, or account numbers.

Social media

M&S Bank operate channels, pages and accounts on some social media sites to inform, assist and engage with customers. Unless stated otherwise, these are intended for UK customers. We monitor and record comments and posts made on these channels about M&S Bank so that we can improve our services.

M&S Bank are not responsible for any information posted on those sites other than information we have posted ourselves. We do not endorse the social media sites themselves, or any information posted on them by third parties or other users.

M&S Bank don't give investment, tax or other professional advice via social media sites. You should always seek independent advice before making such decisions.

When you engage with M&S Bank via social media your personal data may be stored on that social media site's servers, which are outside our control and may be in the US or elsewhere outside the EU. Any information posted on such sites may be accessed and read by the general public. It is not an appropriate forum to discuss customers' products or financial arrangements. M&S Bank won't ask you to share personal, account or security information via social media sites, and you shouldn't post such information on those channels.

We regularly update and monitor our social media accounts and welcome feedback and ideas submitted via these channels. We endeavour to join the conversation whenever possible. However, we are not able to reply individually to all messages received via these channels.

We endeavour, but can't guarantee, to read all messages sent to our official social media accounts, and any emerging themes or helpful suggestions are passed to the relevant people within M&S Bank for consideration, but no guarantee is made that any proposals will be acted upon.


M&S Bank operate the following official Facebook page:


To see the full terms of use relating to our Facebook pages please visit the official M&S Bank Facebook page.


M&S Bank operate the following official Twitter streams in the UK



If M&S Bank follow another user then this does not imply endorsement of any kind.

TWITTER, TWEET, RETWEET and the Twitter logo are trademarks of Twitter, Inc. or its affiliates

Governing law

The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise.

Your queries

If you have any queries regarding privacy issues then contact us. To ensure that we carry out your instructions accurately, to help us continually improve our service and in the interests of security, we may monitor and/or record your telephone calls with us.

Marketing preferences

If you have questions about personal information we hold (that you have provided to us), or if you would like to opt out of future M&S Bank marketing communications, you can contact us via phone, email or post, please visit our contact us page.