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 2017. 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