Marks & Spencer | Transfer Plus credit card

44 reviews

19.9% Representative

Intro purchase rate: 0% for 6 months

Purchase rate: 19.9%

Representative example:

Representative Example: The standard interest rate on purchases is 19.9% p.a. (variable), so when borrowing £1,200 the Representative APR will be 19.9% (variable).

Marks & Spencer | Transfer Plus credit card customer reviews.

44 reviews

3.0 out of 5 stars

Excellent company
16:33 17-07-2018
ImageSmart Money People

M and S Bank is easy to work with and the customer service is extremely good. The online service is easy to use and efficient.

Jen hague

Not Great
11:15 07-06-2018
ImageSmart Money People

Not the best service really. Took 3 weeks to get a card at all, I had to return paper terms and conditions which they misplaced for a week. No additional cardholder like I requested, got to wait 2 weeks to have the additional cardholder credit checked!? App and online banking are very basic, can't view cardholders or view/change direct debit. App doesn't show pending transactions, only complete ones. Card constantly asks for 3dsecure password when making payments. Reward points are extremely low. Only plus side is the actual deal - I got a high limit and 30 months purchase interest free.


Excellent service and great rewards
11:57 04-04-2018
ImageSmart Money People

The online banking is excellent and it is great to receive M&S points, which add up to M&S vouchers, whenever spending on the card.


credit card de-activated without informing customer
17:45 28-01-2018
ImageSmart Money People

Had the m&s bank credit card for a couple of year now, not sure if it's me but chip keep failing on me about 3 times since getting the card . This time when reported to M&S bank credit card department. Was told my card been de-activated by them due to them sending me a replacement card out as the old one is expiring in a couple of months time but no information sent to me to inform me that would be the case. Just think you going to do shopping and only card you got is M&S credit card and get declined, what an embarrassment having to leave without the shopping. When asked why it was de-activated while the replacement card is sent out, told basically it is their policy...even if it is their policy ...shouldn't M&S informed their customer that a new card is being sent out and they will not be able to use the card?????? so be warn, if you don't want all this problem of card failure and card being de-activated when you have not done anything wrong and them sending out replacement card due to old one is coming to expire.>>>>AND YOU DO NOT GET ANY NOTIFICATION THAT THEY HAVE DE_ACTIVATED YOUR CARD. p.s you got the impression that whoever was at the other end of the phone was not even paying any attention to you when you try to make your point on the phone to me. pps Will be cancelling the card very soon as I can not justify all the problem I have encountered with M&S customer through the time I been with them which I have not listed thing for certain THEY ARE NOT A LISTERNING BANK?/CUSTOMER SERVICE

Case Yeung

13:52 18-12-2017
ImageSmart Money People

I applied for a M&S credit card , very quick acceptance letter . I then received a pin number , card to arrive shortly . Another letter with another pin number arrived 2 days later , still no card . Spoke on telephone , card would arrive shortly , 2 weeks later still no card I have given up.


09:15 18-12-2017
ImageSmart Money People

I applied for a M&S credit card , very quick acceptance letter . I then received a pin number , card to arrive shortly . Another letter with another pin number arrived 2 days later , still no card . Spoke on telephone , card would arrive shortly , 2 weeks later still no card I have given up.


Great customer service
19:02 19-11-2017
ImageSmart Money People

Easy ways to pay, good rates, earn points with any purchase. They don' t automatically increase your credit allowance, but raised mine without problem after checking my credit rating after contacting them.

Jane Wells

What customer service??
00:36 18-11-2017
ImageSmart Money People

Very poor customer service! Trying to charge interest when the error is between them and my bank..... made payment they bounced it back then charge me full interest as if i hadnt made any payment. Fact was i paid 2850 and paid a 200 figure from my other account.... (it only needed £180 to pay off due to a credit) but they want ro charge full interest on £3k.... until my statement came through.... so less than 10 days £118. . They refused the good will and im going to tackle my bank tomorrow.... will be cancelling my m&s card now.


Credit Card
09:24 23-06-2017
ImageSmart Money People

Got a credit card with M&S, the offer was great 25 months free interest, also to add the customer service is excellent each time I rang.

marcelina dobrzanska

16:05 11-06-2017
ImageSmart Money People



Our review of Marks & Spencer | Transfer Plus credit card

Marks and Spencer are a well-established British institution and their M&S Bank launched back in 2012.  This service was based on M&S Money, which itself had a 30 year history. There are branches in the main Marks and Spencer stores, open whenever the stores are open. This keeps personal customer service in easy reach of all consumers. M&S Bank offers many different financial products, from loans to current accounts. This review is about their Transfer Plus credit card.

The Transfer Plus credit card has an introductory rate of 0% for 32 months on balance transfers. They also have a low fee of 0.99% on money that is transferred across. In a crowded market, M&S Bank offers some great extra benefits to make their card an interesting option. You’ll have expected the standard perk of earning points when you shop in any store, not just M&S. However, there is another credit card available from M&S Bank, the Shopping Plus, which is a better deal if you’re using the card for a large purchase. With the Transfer Plus card, you can also save on M&S travel money and earn a bonus points voucher for shopping at the store.

People are generally very positive about the Transfer Plus credit card, which has a score of 4/5 at the time of writing. However, some customers have had problems with the account rewards system. If you’re taking out this card for the 0% introductory offer, you will want to always make at least the minimum payment each month, if not you’ll negatively impact your credit file and the introductory period will come to an end. You should consider paying off the full balance before the end of the introductory period, to avoid being charged interest.

My Verdict: Marks and Spencer are a reliable brand and this product is particularly popular with consumers. The Shopping Plus credit card is a good deal if you regularly shop at M&S, as you will earn more points and be able to get cheaper travel money.

Written by: Chris


  • 0% on balance transfers for 32 months
  • 0% interest on purchases for 6 months
  • Earn M&S points as you shop
  • 55 days' interest-free credit if you pay the balance in full and on time each month
  • One additional cardholder over 18

Minimum criteria

  • You must be over 18
  • You must be a UK resident with 3 years' address history
  • You must have a valid bank or building society account
  • Not available if you've had an M&S Bank credit card in past 12 months


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Marks & Spencer | Transfer Plus credit card

The Marks & Spencer Transfer Plus credit card offers 0% interest on balance transfers for 32 months from opening the account, and 0% interest on shopping for the first 6 months. If you already have an M&S loyalty card, it also offers points for this while you spend. 

Company information

Registration number: 01772585


Kings Meadow, Chester Business Park, Chester, Cheshire, CH99 9FB

FCA registration

Reference No: 151427

Trading names: Marks & Spencer Financial Services PLC, M & S Bank

Place of business: Kings Meadow, Chester Business Park, Chester, Cheshire CH99 9FB

Data protection registration

Registration No: Z7484152

Data controller: Marks & Spencer Financial Services PLC

Address: Kings Meadow, Chester Business Park, Chester, Cheshire CH99 9FB

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