Marks & Spencer | Transfer Plus credit card

52 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.

52 reviews

2.6 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

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.


Never have an M&S Credit Card
22:11 02-03-2018
ImageSmart Money People

Our experience dealing with the closure of an M&S credit card account has been appalling. We have never dealt with such an unprofessional, inefficient and uncaring Bank. Finding a contact Tel number is difficult and the addresses are in various parts of the country. When you do get hold of someone it's a Call Centre and they appear to be unsure how to sort out your query. It took us a great deal of time and exhausted phone calls to sort out something that should have been so easy. We have never had a written apology. It caused a great deal of stress. A warning to those thinking of opening an account with them...DON'T . Please note that this has No Reflection on M&S Retail shops.


M & S are a Joy To Work With
15:52 07-02-2018
ImageSmart Money People

Recently applied for a credit card with M&S. Their correspondence was up quick and clear. I was constantly kept up to date with the progress of my application and prompted to set up my online account which is easy to use and has a nice clean look


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

Inefficient & bureaucratic
21:14 26-01-2018
ImageSmart Money People

The attraction of the card is the points but, despite receiving about 40 pages of legalese, at no point is any explanation given about how the points work. Online customer services are no help. There is no option to apply for a second card when opening the account. It takes a 15 minute phone call to persuade somebody to send you an application form for a second card but then a refusal to issue one until certified passport copies or similar are posted off. Only a very restricted list of professions are accepted as suitable to certify the documents. Just not worth the effort!

Matthew Lee

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.


Poor Customer Service
12:36 06-12-2017
ImageSmart Money People

Well applied for the M & S Credit Card to take advantage of the free vouchers and as I dont get any incentives with my current credit card and I do shop at M & S weekly I thought this would be ideal...... how wrong! I applied on line and within a few days advised I had been "approved" sent back the t's & c's and completed the direct debit form. nothing received apart from another form asking me to sign and return which I did...... After calling customer services today almost 2 months since I was "approved" to request where my card was, I have been advised they received all my signed paperwork on 28th October.... its now 6th December and no card and they "do not know when" I will receive my card, so Im thinking ok I will cancel this as its pretty useless. They have my bank details my info and I dont have a card so trying to cancel is soooo hard. Ive now been on hold some 15 minutes waiting to speak to the "applications" department as the guy in customer services can only help me if I want a new card!!!! YES I DID WANT A NEW CARD BUT NOT NOW as I have no idea when it will turn up. Ive asked to have confirmation that my application is cancelled buy yes you guessed it the guy in applicants cant do that and they wont send out a letter or email. Im now away for approx 4 weeks and dont want a card now anyway. Finally spoken to customer services who have confirmed documents received 28th October and realistically if i want a card my application has now expired so would need to apply again and lose out on the offer of ££££. Very helpful person at customer services saying she would try and see if i can still get the card but having worked in finance i know the card would only be issued within 28 days of the credit check.... heyho M & S - hopefully my card is cancelled and I will receive a letter confirming as such..... very sorry for the rant M & S you are usually so good!!


Very poor customer service - almost to the point of not telling the whole story to customers
09:48 25-11-2017
ImageSmart Money People

Opened an M& S Credit card account recently. I asked to pay full balance every month by Direct Debit but forms did not arrive so chased them up and was told I could arrange it over the phone. Did so and was told my payment would be made by due date, even though I queried it. Payment did not come off my bank even though the direct debit has been set up. When I telephoned I asked to pay the full amount by card so as not to incur fees but was told that I would incur fees EVEN THOUGH THIS IS THEIR FAULT. Customer service representative was asked twice if the payment could be taken on time and reassured me that it could - now she says it will take 10 working days but never told me that in the first place. I will be changing account suppliers ASAP as I do not like being lied to. If she knew it took 10 days why did she not tell me that when I originally set up the direct debit then I could have made a payment online to cover myself. I have an otherwise unblemished credit record and this has spoiled it. It has also spoiled my belief in M & S and I shall not shop there again.


Excellent product
13:42 29-06-2017
ImageSmart Money People

M&s credit card is easy to use and you get points when you use it and vouchers to spend in store

Julie Pearson

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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