M&S Bank reviews

M&S Bank are rated Average in 52 reviews

Marks and Spencer are one of the most recognisable brand names in the UK high street and have been offering foreign currency services online and in their stores for many years. They launched their banking service in July 2012. All Marks and Spencer cardholders get even better rates.

  • Last reviewed 4 weeks ago
  • 54% of reviews are positive
  • Replies to reviews
Reviews by rating
Excellent 46.15% of reviews are rated 5 stars 46%
Great 7.69% of reviews are rated 4 stars 8%
Average 7.69% of reviews are rated 3 stars 8%
Poor 15.38% of reviews are rated 2 stars 15%
Bad 23.08% of reviews are rated 1 stars 23%
Reviews by day

Showing reviews 1-15 of 52

Tanya Dodds

11 May 2023

Bought £4,000 worth of US dollars

Elaine and Rory were amazing. They couldn't do enough to help. They gave us a great variety in our currency and explained the process every step of the way. This is our first time to travel so we were nervous. I cannot thank them both enough, they are a real credit to M&S. I will be recommending your service to everyone.

Chris Denyer

26 January 2023

Bought £604 worth of Euros

After a long year saving lifes, going to volatile situations and struggling with finances I felt I deserve a break. I came to Marks and Spencers Bluewater to change so well earned money for a trip abroad. The guy serving my self I wasn't sure wether he was being serious or joking. He began to get into one over age he's 54 and decided to attempt to belittle myself due to a age gap of 17 years , is this appropriate? Once he had put the measurement stick down accused me of being rude....over a wallet for money....what is it with shops what ever happened to good customer service. At the end of this extremely awkward situation he then stated he knows where I live, well buddy I'm here waiting any time you like....there is a difference between a joke and being unreasonable with members of the public. I can honestly say I will never use the services of M and S again teach your staff how to behave.


16 September 2022

Bought £265 worth of Euros

I ordered travel money which was due to be collected on the 19th the queens funeral, understandably the shop it closed no issue there , what I have an issue with is calling the line for 40 minutes on wait 3x only to be hung up on or spoken to rudely by staff, told they don't have access to the system the whole process is an absolute shambles , I ordered with tesco the same day also and had Same issue you can't collect that date now, call them they move it to today for collection instead and was all sorted within 6 minutes m&ms customer service for travel money is an absolute joke do not order from

Here spend your money else where as heaven forbib you run in to an issue you will be stuck unable to resolve!!


2 August 2022

Bought £750 worth of Euros



26 July 2022

Bought £200 worth of Euros

I bought currency online to collect in-store at Bluewater and had to wait for 45 minutes as the bureau de change was so understaffed. Bluewater store management were unhelpful and patronising when I raised this. Exchange rates are fair, but I won't be using this service from M&S again, when it's quicker and more convenient to use the Post Office.

Absolutely appalling service AVOID

4 July 2022

Bought £1,000 worth of Euros

I ordered and paid for my currency online. I received an email to collect from local store in 7 days. Another email informed me it was ready for collection from store. When I went in to collect I was told in store my currency was re allocated to other customers. I was therefore left with no currency.

I paid for my currency in good faith. M&S did not meet their end of the exchange but they took my money easily enough. Customer service at M&S currency exchange say fault is with local store. Local store say the fault is with M&S currency exchange. I’m no further forward still waiting on my currency which is now too late for purpose.

A Prior

19 April 2022

Bought £2,500 worth of US dollars

Took eight phone calls to various parts of the world. to establish that an order I had placed for US dollars contained an error. Zero call centre in the UK. Staff denied I even had an order. Instead of applying logic and common sense, the order was cancelled and was told my money would be returned to my account in 2 weeks. I had to cancel my holiday, as I needed the foreign currency and there wasn't enough time before leaving to wait for the funds to come back.

Steven Edwards

18 April 2022

Bought £1,100 worth of Euros

Absolutely rubbish service rubbish customer service says collect from next day then find out 8 days later 4 days after due to fly and ask for refund so can get my holiday money back in time get informed takes up to 2 weeks


7 February 2022

Bought £200 worth of Turkish lira

Second visit to collect currency and have had to wait a considerable time to collect click and collect currency. Not the ladies on the desk fault as I’m guessing Marcos and spencer are cutting corners with their service and have them covering other areas in the shop. Won’t be back.


13 November 2021

Bought £500 worth of Euros

Tried to place on line order click n collect,filled out all details pressed next just brought up details,some missing asked to fill out again.Shown in basket,press purchase nothing.Dissapointed annoyed as given all bank card details!!

Richard Atkins

19 September 2021

Ordered a prepaid currency card

Went to collect my money ,was told I needed my passport and bankcard as ID.When I arrived I was told the ID did not match ,I showed them the confirmation email showing the card and passport match,and my bank statement to show the money coming out my account .The guy made a phone call,sorry can't give you the money if the ID does not match.I said what does not match about it,would not tall me,I asked it the money can go back to my card immediately as I am traveling tomorrow to lanzarotte and that is all the money I have in the world for my spending and it will ruin my holiday.He said did not know how I could get a refund or how long it would take.Young black guy at cribbs causeway Bristol,didn't seem to care ,say sorry or have any emotion about it at all.


30 July 2019

Bought US dollars

At no stage, until I viewed my credit card, was I told there was a 2.5% charge when purchasing foreign currency on my credit card. The website suggested a better rate if one used an M&S card but no mention of a cash exchange fee. I’m unimpressed by what seems like an underhand trick. The service at the M&S bureau was very good. The 2.5% charge a nasty surprise. The charge was from my bank not M&S but I still feel like M&S should have made this clear before I placed the order.


8 July 2019

Bought £598 worth of Barbados dollars

i had exchanged barbadian dollars rate of 2.3394. low rate disappointed. in the same day i went to john lewis and the rate is 2.4476. what and awful rate. never ever gonna go to exchange again.

Beverley Decosemo

11 March 2019

Bought £550.00 worth of Euros

The actual ordering process was fine however the delivery service was extremely poor. I requested home delivery (this was one of the reasons I chose M & S) on a specified date which was a Monday. I arrived home from work on the Saturday prior to this only to find Royal Mail had attempted to deliver the currency and I had to either collect or re-arrange, I didn't feel I should have had to do either. As Royal Mail were not available to contact by phone I rang M & S, I was informed they had re-arranged delivery with Royal Mail for my requested Monday. The day arrived but Royal Mail did not have the currency for delivery. I rang Marks and Spencer AGAIN. The customer service person was helpful and I was told depending on the order date Royal Mail don't always actually take notice of the requested date! I was left with the choice of cancelling the order or collecting or re-arranging ANOTHER delivery date with Royal Mail. I question why Royal Mail is even used as a delivery service by Marks and Spencer, I have had previous experience with them regarding delivery of parcels that has also been poor. Also why this potential issue is not highlighted on M & S website when placing the order so it is clear a requested delivery date may not be the actual date RM decide to put it on their schedule!


25 August 2018

Got an email from M&S telling me about a better rate offer for holders of a Sparks card. Went to the shop having already looked up the sterling to euro rate, it’s not good but M&S were offering a low rate, even with the offer! Went to Thomas Cook and they gave me a better rate. Come on M&S if you email your customers, please do make sure it’s worth our while.

M&S Bank

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