mandsbank.com Reviews 

Having been the victim of an online scam and fraudulent transaction by Reservationscenter totalling £242, M&S Bank deemed Reservationscenter did not breach any contracts because buried in the Reservationscenter's T&C's was a clause that allowed the extra costs and charges to be added.
M&S Bank ignored the fact that these T&C's were not available to be seen before I made the purchase.
M&S Bank also ignored the fact that the 3D authorisation did not happen, as it always does for unusual or large transactions.
And to cap it all, as well as not refunding me a penny, M&S Bank also profited from my experience by charging me 3% of the transaction because it was in US$, something that was also not made known to me before I paid.
Having been a customer of M&S Bank for many years, with a not inconsiderable spend on my credit card annually, I am disgusted at its behaviour and lack of support. In addition, its actions are those of profiting, facilitating and supporting fraudulent companies.

I recently applied for a loan with M&S bank and was glad to be accepted. I was a bit skeptical after some of the reviews here but the application process was ultra simple. I had to call customer service to correct an error and the person who helped me was great and solved my issue quickly.
The loan was paid within the 5 days promised. The only thing I found a bit strange was you just get the agreement to sign once you've been approved and that's it. There's no bombardment of emails and updates, which is good but unusual!

The on line banking app has always been so different to all other banks in the world. I rarely use it and get paper statements sent. I tried to set the app on a new device as I am selling the current one. As it is all set up on the old device all I do is enter a 6 digit code in and yes you guessed right I forgot my password and no matter what you try and do to reset it it just keeps getting more difficult. I spoke to an advisor who in the end asked me for my cvv number I refused as no issuing bank know that number. Resetting a forgotten password should be the simplest thing. From today onward I shall cease using my credit card from this more than useless bank.

Telephoned the bank as soon as my wife realized she had paid with her M&S credit card to a fake website. The first person was incoherent, all I got was she would email a form. The 2nd agent I spoke to was no more helpful so I insisted on speaking to a supervisor who rand me the next day. At last someone explained that after 30 days I would be refunded. What about doing something to prevent others being defrauded or catching the criminals. She said they have had many calls about this web site but all they do is make a refund if the goods don’t arrive. And this was the fraud department ! Had this been explained initially it would have saved me making further calls. Terrible call centre so after being with M&S for about 15 years I will be switching accounts.

On phone forever and now still waiting.
Pathetic

App doesn't show 'pending transactions'. Received notification to say I've used over 90% of credit limit. Had to phone to find out what my total running balance is.
Not impressed!