M&S Bank logo

M&S Bank

Marks & Spencer retail bank offering credit cards, personal loans, and savings — being transferred to HSBC UK

LoansBeginnerAvailable in English
3.0/ 5
Visit M&S Bank

Free account

Part of HSBC UK (transfer pending)

HQ:United Kingdom
Regulator:FCA
Protection:€85,000

Rating breakdown

Overall
3.0
Fees
3.0
Platform
3.0
Safety
4.0
Product range
2.5

Pros

  • Backed by HSBC UK with FSCS protection
  • M&S Rewards points on credit card spending
  • Simple savings and loan products for retail customers

Cons

  • Being transferred to HSBC UK — future uncertain
  • UK-only, no European availability
  • Limited product range — mainly credit cards and loans

Platform & features

Available on

Web platform
Mobile app
Desktop app
API access

Key features

Fractional shares
Savings plan
Demo account
Copy trading

Availability

Languages

English

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Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer