Marks & Spencer

Marks & Spencer is one of Britain's most recognisable high street brands. It expanded into financial services in 1985.

The banking segment of M&S has been owned by HSBC since 2004. It offers a wide range of banking products including savings, credit cards and personal loans.

It also provides insurance for a number of common needs. Its car insurance is arranged and administered by panel of insurers. Travel and home insurance are underwritten by Aviva, and pet insurance by RSA.

It is based in London.

Marks & Spencer
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Gold ribbon: first place

Car insurance

Ranked 6th of 49 providers reviewed.

Customer happiness score 70%
Customer trust score 69.12%
Complaints performance 72.48%
Transparency rating 71.12%
Fairer Finance score
Reviewed Autumn 2023
71%
Gold ribbon: first place

Credit cards

Ranked 11th of 34 providers reviewed.

Customer happiness score 63.68%
Customer trust score 60.23%
Complaints performance 66.6%
Transparency rating 61.56%
Fairer Finance score
Reviewed Autumn 2023
63%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 13th of 46 providers reviewed.

Customer happiness score 64.61%
Customer trust score 60.96%
Complaints performance 72.7%
Transparency rating 79.13%
Fairer Finance score
Reviewed Autumn 2023
69%
Gold ribbon: first place

Personal loans

Ranked 3rd of 27 providers reviewed.

Customer happiness score 78.05%
Customer trust score 65.85%
Complaints performance 66.09%
Transparency rating 60.59%
Fairer Finance score
Reviewed Autumn 2023
68%
Happiest customers

Pet insurance

Ranked 25th of 35 providers reviewed.

Customer happiness score 47.9%
Customer trust score 51.4%
Complaints performance 66.55%
Transparency rating 78.89%
Fairer Finance score
Reviewed Autumn 2023
61%

Savings Accounts

Ranked 35th of 53 providers reviewed.

Customer happiness score 63.95%
Customer trust score 67.44%
Complaints performance 66.09%
Transparency rating 54.15%
Fairer Finance score
Reviewed Autumn 2023
63%
Gold ribbon: first place

Travel insurance

Ranked 8th of 45 providers reviewed.

Customer happiness score 57.84%
Customer trust score 60.82%
Complaints performance 72.7%
Transparency rating 62.31%
Fairer Finance score
Reviewed Autumn 2023
63%
Highest claims satisfaction

Car insurance

Marks & Spencer

Standard Car Insurance (with guaranteed replacement car and RAC breakdown cover)

4 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £0.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Marks & Spencer

Premier Car Insurance

4 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £0.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Marks & Spencer

Standard Car Insurance

3 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £0.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Credit cards

0% balance transfer credit cards

Marks & Spencer

Purchase Plus

3 stars
Duration of 0% balance transfer offer period i 12 months
Balance transfer fee during promotional period i 3.49%
Representative APR i 24.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 3.49%
Representative balance transfer rate i 1.873%
Risk based? i

Marks & Spencer

Transfer Plus

3 stars
Duration of 0% balance transfer offer period i 26 months
Balance transfer fee during promotional period i 3.49%
Representative APR i 24.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 3.49%
Representative balance transfer rate i 1.873%
Risk based? i

Marks & Spencer

Shopping Plus

3 stars
Duration of 0% balance transfer offer period i 15 months
Balance transfer fee during promotional period i 2.99%
Representative APR i 23.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 2.99%
Representative balance transfer rate i 1.805%
Risk based? i

0% purchase credit cards

Marks & Spencer

Shopping Plus

4 stars
Duration of purchases offer period i 18 months
Representative APR i 23.9%
Highest APR i 25.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.805%
Number of days before interest is charged on purchases i 55 days
Risk based? i

Marks & Spencer

Purchase Plus with M&S Club Rewards

4 stars
Duration of purchases offer period i 12 months
Representative APR i 24.9%
Highest APR i 25.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.873%
Number of days before interest is charged on purchases i 55 days
Risk based? i

Marks & Spencer

Shopping Plus with M&S Club Rewards

4 stars
Duration of purchases offer period i 18 months
Representative APR i 23.9%
Highest APR i 25.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.805%
Number of days before interest is charged on purchases i 55 days
Risk based? i

Marks & Spencer

Purchase Plus

4 stars
Duration of purchases offer period i 20 months
Representative APR i 24.9%
Highest APR i 25.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.873%
Number of days before interest is charged on purchases i 55 days
Risk based? i

Marks & Spencer

Transfer Plus with M&S Club Rewards

3 stars
Duration of purchases offer period i 3 months
Representative APR i 24.9%
Highest APR i 25.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.873%
Number of days before interest is charged on purchases i 55 days
Risk based? i

Marks & Spencer

Transfer Plus

3 stars
Duration of purchases offer period i 3 months
Representative APR i 24.9%
Highest APR i 25.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.873%
Number of days before interest is charged on purchases i 55 days
Risk based? i

Cashback and reward credit cards

Marks & Spencer

Shopping Plus with M&S Club Rewards

5 stars
Reward extras i Free next day delivery on marksandspencer.com, £65 of vouchers per year to spend in Marks & Spencer clothing or home departments, 32 hot drink vouchers for Marks & Spencer Cafes, £12 Marks & Spencer gift voucher on your birthday
Representative APR i 23.9%
Risk based? i
Annual fee in first year i £120.00
Annual fee after first year i £120.00
Foreign purchase fee i 2.99%

Marks & Spencer

Transfer Plus with M&S Club Rewards

5 stars
Reward extras i Unlimited free next day delivery on marksandspencer.com, £65 of vouchers per year to spend in Marks & Spencer clothing or home departments, 32 hot drink vouchers for Marks & Spencer Cafes, £12 Marks & Spencer gift voucher on your birthday, £20 Marks & Spencer E-gift card
Representative APR i 24.9%
Risk based? i
Annual fee in first year i £120.00
Annual fee after first year i £120.00
Foreign purchase fee i 2.99%

Marks & Spencer

Purchase Plus with M&S Club Rewards

5 stars
Reward extras i Unlimited free next day delivery on marksandspencer.com, £65 of vouchers per year to spend in Marks & Spencer clothing or home departments, 32 hot drink vouchers for Marks & Spencer Cafes, £12 Marks & Spencer gift voucher on your birthday, £20 Marks & Spencer E-gift card
Representative APR i 24.9%
Risk based? i
Annual fee in first year i £120.00
Annual fee after first year i £120.00
Foreign purchase fee i 2.99%

Marks & Spencer

Purchase Plus

2 stars
Reward extras i
Representative APR i 24.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.99%

Marks & Spencer

Shopping Plus

1 stars
Reward extras i
Representative APR i 23.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.99%

Marks & Spencer

Transfer Plus

1 stars
Reward extras i
Representative APR i 24.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.99%

Foreign use credit cards

Marks & Spencer

Purchase Plus

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 24.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.873%

Marks & Spencer

Transfer Plus

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 24.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.873%

Marks & Spencer

Shopping Plus

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 23.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.805%

Home emergency cover

Marks & Spencer

Home Emergency Cover

4 stars
Home Security Cover i
Home Emergency Cover limit i £1,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover i
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £1,000.00
Unoccupied period i Not Mentioned
Claims limit i Unlimited

Home insurance (building and contents)

Marks & Spencer

Home Insurance

4 stars
Theft from outbuildings i £100,000.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £1,000,000.00
Protection against inflation (Buildings)
Contents cover limit i £100,000.00
Money in the home i £500.00
Visitor's possessions i £100,000.00
Office equipment i £100,000.00
Buildings cover limit i £1,000,000.00
Trace and access i £1,000,000.00
Keys/locks if lost or stolen (Buildings) i £1,000,000.00
Alternative accommodation cover limit for contents i £100,000.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £0.00
Contents compulsory excess i £100.00
Flood excess i £100.00
Escape of water excess (minimum) i £450.00
Property owner liability i £5,000,000.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £40,000.00
Replace belongings new for old i

Marks & Spencer

Home Insurance Premier

4 stars
Theft from outbuildings i Sum insured
Matching sets (contents) i
Alternative accommodation cover limit for buildings i Unlimited
Protection against inflation (Buildings)
Contents cover limit i Unlimited
Money in the home i £500.00
Visitor's possessions i Unlimited
Office equipment i Unlimited
Buildings cover limit i Unlimited
Trace and access i Unlimited
Keys/locks if lost or stolen (Buildings) i Unlimited
Alternative accommodation cover limit for contents i Unlimited
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £0.00
Contents compulsory excess i £100.00
Flood excess i £100.00
Escape of water excess (minimum) i £450.00
Property owner liability i £5,000,000.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £40,000.00
Replace belongings new for old i

Buildings insurance

Marks & Spencer

Home Insurance

4 stars
Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i £450.00
Underground pipes, cables and tanks i Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £100.00
Unoccupied period i 90 days
Helpline i
Cancellation fee after 14 days (buildings) i £0.00
Amendment fee (telephone) i £0.00
Property owner liability i £5,000,000.00

Marks & Spencer

Home Insurance Premier

4 stars
Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i £450.00
Underground pipes, cables and tanks i Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £100.00
Unoccupied period i 90 days
Helpline i
Cancellation fee after 14 days (buildings) i £0.00
Amendment fee (telephone) i £0.00
Property owner liability i £5,000,000.00

Contents insurance

Marks & Spencer

Home Insurance

5 stars
Matching sets (contents) i
Theft from outbuildings i £100,000.00
Cover for items away from home i Covered as standard
Property owner liability i £5,000,000.00

Marks & Spencer

Home Insurance Premier

5 stars
Matching sets (contents) i
Theft from outbuildings i Sum insured
Cover for items away from home i Covered as standard
Property owner liability i £5,000,000.00

Personal loans

Marks & Spencer

Personal Loan

Representative APR (on £5,000 loan, 36 month term) 9.9%
Unpaid Repayment Fee i £0.00
Early settlement fee (Days interest) 28 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount £1,000.00
Maximum borrowing amount £25,000.00
Minimum borrowing length 12 months
Maximum borrowing length 84 months

Pet insurance

Cat insurance

Marks & Spencer

Premier (£5,000)

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £5,000.00
Medical excess i £50.00
Annual policy limit i £5,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £5,000.00
Cruciate ligament damage i £5,000.00
CT scans i £5,000.00
MRI scans i £5,000.00
Prescribed food i £200.00
Complementary treatment i £1,000.00
Boarding fees limit i £750.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £3,000.00
Holiday cover i £2,000.00
Quarantine costs cover i £2,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £500.00
Maximum number of days abroad i 180 days
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Marks & Spencer

Premier (£7,000)

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £7,000.00
Medical excess i £50.00
Annual policy limit i £7,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £7,000.00
Cruciate ligament damage i £7,000.00
CT scans i £7,000.00
MRI scans i £7,000.00
Prescribed food i £200.00
Complementary treatment i £1,000.00
Boarding fees limit i £750.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £3,000.00
Holiday cover i £2,000.00
Quarantine costs cover i £2,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £500.00
Maximum number of days abroad i 180 days
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Marks & Spencer

Premier (£10,000)

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £10,000.00
Medical excess i £50.00
Annual policy limit i £10,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £10,000.00
Cruciate ligament damage i £10,000.00
CT scans i £10,000.00
MRI scans i £10,000.00
Prescribed food i £200.00
Complementary treatment i £1,000.00
Boarding fees limit i £750.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £3,000.00
Holiday cover i £2,000.00
Quarantine costs cover i £2,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £500.00
Maximum number of days abroad i 180 days
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Marks & Spencer

Plus (£3,000)

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £3,000.00
Medical excess i £50.00
Annual policy limit i £3,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescribed food i £0.00
Complementary treatment i £500.00
Boarding fees limit i £600.00
Death benefit (illness) i £600.00
Euthanasia cover limit i £100.00
Cremation i £100.00
Holiday cancellation i £0.00
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Marks & Spencer

Essential

3 stars
Type of cover i Time-limited
Medical cover limit i £3,000.00
Medical excess i £50.00
Annual policy limit i £0.00
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £3,000.00
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescribed food i £0.00
Complementary treatment i £500.00
Boarding fees limit i £0.00
Death benefit (illness) i £600.00
Euthanasia cover limit i £100.00
Cremation i £100.00
Holiday cancellation i £0.00
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Marks & Spencer

Plus (£2,000)

3 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,000.00
Medical excess i £50.00
Annual policy limit i £2,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescribed food i £0.00
Complementary treatment i £500.00
Boarding fees limit i £600.00
Death benefit (illness) i £600.00
Euthanasia cover limit i £100.00
Cremation i £100.00
Holiday cancellation i £0.00
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Marks & Spencer

Standard

2 stars
Type of cover i Lifetime, other
Medical cover limit i £4,000.00
Medical excess i £50.00
Annual policy limit i £4,000.00
Annual condition limit i £1,000.00
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Dental cover (if due to an accident) i £1,000.00
Cruciate ligament damage i £1,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescribed food i £0.00
Complementary treatment i £500.00
Boarding fees limit i £600.00
Death benefit (illness) i £600.00
Euthanasia cover limit i £100.00
Cremation i £100.00
Holiday cancellation i £0.00
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Dog insurance

Marks & Spencer

Premier (£5,000)

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £5,000.00
Medical excess i £50.00
Annual policy limit i £5,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £5,000.00
Cruciate ligament damage i £5,000.00
CT scans i £5,000.00
MRI scans i £5,000.00
Prescribed food i £200.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £2,000.00
If renewed, are existing conditions covered? i

Marks & Spencer

Premier (£7,000)

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £7,000.00
Medical excess i £50.00
Annual policy limit i £7,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £7,000.00
Cruciate ligament damage i £7,000.00
CT scans i £7,000.00
MRI scans i £7,000.00
Prescribed food i £200.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £2,000.00
If renewed, are existing conditions covered? i

Marks & Spencer

Premier (£10,000)

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £10,000.00
Medical excess i £50.00
Annual policy limit i £10,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £10,000.00
Cruciate ligament damage i £10,000.00
CT scans i £10,000.00
MRI scans i £10,000.00
Prescribed food i £200.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £2,000.00
If renewed, are existing conditions covered? i

Marks & Spencer

Plus (£3,000)

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £3,000.00
Medical excess i £50.00
Annual policy limit i £3,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescribed food i £0.00
Complementary treatment i £500.00
Euthanasia cover limit i £100.00
Cremation i £100.00
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i

Marks & Spencer

Plus (£2,000)

3 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,000.00
Medical excess i £50.00
Annual policy limit i £2,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescribed food i £0.00
Complementary treatment i £500.00
Euthanasia cover limit i £100.00
Cremation i £100.00
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i

Marks & Spencer

Essential

3 stars
Type of cover i Time-limited
Medical cover limit i £3,000.00
Medical excess i £50.00
Annual policy limit i £0.00
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £3,000.00
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescribed food i £0.00
Complementary treatment i £500.00
Euthanasia cover limit i £100.00
Cremation i £100.00
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i

Marks & Spencer

Standard

2 stars
Type of cover i Lifetime, other
Medical cover limit i £4,000.00
Medical excess i £50.00
Annual policy limit i £4,000.00
Annual condition limit i £1,000.00
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Dental cover (if due to an accident) i £1,000.00
Cruciate ligament damage i £1,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescribed food i £0.00
Complementary treatment i £500.00
Euthanasia cover limit i £100.00
Cremation i £100.00
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i

Savings Accounts

1 Year Fixed Rate Accounts

Marks & Spencer

M&S Fixed Rate Savings Issue 49

Interest Rate (AER) i 4.3%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into either a fixed term account with similar terms or a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty i If balance is over £50,000 no earlier access, if balance is under £50,000 earlier access costs £50.

2 Year Fixed Rate Accounts

Marks & Spencer

M&S Fixed Rate Savings Issue 49

Interest Rate (AER) i 4%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into either a fixed term account with similar terms or a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty i If balance is over £50,000 no earlier access, if balance is under £50,000 earlier access costs £75.

3 Year Fixed Rate Accounts

Marks & Spencer

M&S Fixed Rate Savings Issue 49

Interest Rate (AER) i 3.75%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into either a fixed term account with similar terms or a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i If balance is over £50,000 no earlier access, if balance is under £50,000 earlier access costs £100.

Easy Access Accounts

Marks & Spencer

M&S Everyday Savings Account

Interest Rate (AER) i 2%
Balance Tiers i 2.00% from £1
Minimum Opening Balance i £1.00
Withdrawal Penalty i
Part of FSCS i
Maximum Balance i Unlimited
Minimum Age to Open Account i 16
Penalty free withdrawals? i
Sharia Account i
Additional Information i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Marks & Spencer

M&S Cash ISA Fixed Rate Savings Option (Issue 49)

Interest Rate (AER) i 4.3%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into either a fixed term account with similar terms or a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs £50
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

2 Year Fixed Rate ISAs

Marks & Spencer

M&S Cash ISA Fixed Rate Savings Option (Issue 49)

Interest Rate (AER) i 4%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into either a fixed term account with similar terms or a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs £75
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

3 Year Fixed Rate ISAs

Marks & Spencer

M&S Cash ISA Fixed Rate Savings Option (Issue 49)

Interest Rate (AER) i 3.75%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into either a fixed term account with similar terms or a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs £100
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Easy Access ISAs

Marks & Spencer

M&S Cash ISA Variable Rate Savings Option

Interest Rate (AER) i 3%
Minimum Opening Balance i £1.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Travel insurance

Annual multi-trip insurance

Marks & Spencer

Travel Insurance (with £1000 belongings and baggage cover and with £4000 cancellation cover)

4 stars
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000.00
Cancelling before travel cover limit i £4,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £500.00
Combined passport & travel documents cover limit i £250.00
Cutting trip short (curtailment) cover limit i £4,000.00
Abandoning your trip (abandonment) cover limit i £4,000.00
Natural disaster relocation cover i
Max trip duration i 365 days

Marks & Spencer

Travel Insurance (with £2500 belongings and baggage cover and with £6000 cancellation cover)

4 stars
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,500.00
Cancelling before travel cover limit i £6,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £500.00
Combined passport & travel documents cover limit i £250.00
Cutting trip short (curtailment) cover limit i £6,000.00
Abandoning your trip (abandonment) cover limit i £6,000.00
Natural disaster relocation cover i
Max trip duration i 365 days

Marks & Spencer

Travel Insurance (with no belongings/baggage cover and with £2000 cancellation cover)

2 stars
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £0.00
Cancelling before travel cover limit i £2,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £500.00
Combined passport & travel documents cover limit i £250.00
Cutting trip short (curtailment) cover limit i £2,000.00
Abandoning your trip (abandonment) cover limit i £2,000.00
Natural disaster relocation cover i
Max trip duration i 365 days

Single trip insurance

Marks & Spencer

Travel Insurance (with £1000 belongings and baggage cover and with £4000 cancellation cover)

4 stars
Cancelling before travel cover limit i £4,000.00
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000.00
Cutting trip short curtailment cover limit i £4,000.00
Missed departure cover limit i £600.00
Abandoning your trip (abandonment) cover limit i £4,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £500.00
Combined passport & travel documents limit i £250.00

Marks & Spencer

Travel Insurance (with £2500 belongings and baggage cover and with £6000 cancellation cover)

4 stars
Cancelling before travel cover limit i £6,000.00
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,500.00
Cutting trip short curtailment cover limit i £6,000.00
Missed departure cover limit i £600.00
Abandoning your trip (abandonment) cover limit i £6,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £500.00
Combined passport & travel documents limit i £250.00

Marks & Spencer

Travel Insurance (with no belongings/baggage cover and with £2000 cancellation cover)

2 stars
Cancelling before travel cover limit i £2,000.00
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £0.00
Cutting trip short curtailment cover limit i £2,000.00
Missed departure cover limit i £600.00
Abandoning your trip (abandonment) cover limit i £2,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £500.00
Combined passport & travel documents limit i £250.00

Travel insurance add-on: cruise cover

Marks & Spencer

Travel Insurance (with no belongings/baggage cover and with £2000 cancellation cover)

4 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £1,000.00
Cabin confinement cover limit i £1,500.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £150.00
Unused excursions cover limit i £10,000.00

Marks & Spencer

Travel Insurance (with £1000 belongings and baggage cover and with £4000 cancellation cover)

4 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £1,000.00
Cabin confinement cover limit i £1,500.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £150.00
Unused excursions cover limit i £10,000.00

Marks & Spencer

Travel Insurance (with £2500 belongings and baggage cover and with £6000 cancellation cover)

4 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £1,000.00
Cabin confinement cover limit i £1,500.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £150.00
Unused excursions cover limit i £10,000.00

Travel insurance add-on: winter sports

Marks & Spencer

Travel Insurance (with no belongings/baggage cover and with £2000 cancellation cover)

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250.00
Avalanche closure cover limit i £300.00
Piste closure cover limit i £300.00
Ski equipment owned excess i £50.00
Ski equipment hired i £250.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £500.00

Marks & Spencer

Travel Insurance (with £1000 belongings and baggage cover and with £4000 cancellation cover)

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250.00
Avalanche closure cover limit i £300.00
Piste closure cover limit i £300.00
Ski equipment owned excess i £50.00
Ski equipment hired i £250.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £500.00

Marks & Spencer

Travel Insurance (with £2500 belongings and baggage cover and with £6000 cancellation cover)

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250.00
Avalanche closure cover limit i £300.00
Piste closure cover limit i £300.00
Ski equipment owned excess i £50.00
Ski equipment hired i £250.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £500.00