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.

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Car insurance

Ranked 8^th of 53 providers reviewed.

Customer happiness	69.12%
Customer trust	68.82%
Complaints performance	75.96%
Transparency rating	69.36%
Fairer Finance score Reviewed Spring 2023	71%

Credit cards

Ranked 15^th of 31 providers reviewed.

Customer happiness	62.38%
Customer trust	58.58%
Complaints performance	70.02%
Transparency rating	57.31%
Fairer Finance score Reviewed Spring 2023	62%

Home insurance (building and contents)

Ranked 20^th of 48 providers reviewed.

Customer happiness	62.12%
Customer trust	58.18%
Complaints performance	72.58%
Transparency rating	77.96%
Fairer Finance score Reviewed Spring 2023	68%

Personal loans

Ranked 6^th of 26 providers reviewed.

Customer happiness	69.1%
Customer trust	61.24%
Complaints performance	68.99%
Transparency rating	63.21%
Fairer Finance score Reviewed Spring 2023	66%

Pet insurance

Ranked 24^th of 34 providers reviewed.

Customer happiness	48.3%
Customer trust	48.98%
Complaints performance	70.86%
Transparency rating	77.93%
Fairer Finance score Reviewed Spring 2023	62%

Savings Accounts

Ranked 26^th of 53 providers reviewed.

Customer happiness	66.15%
Customer trust	67.69%
Complaints performance	68.99%
Transparency rating	58.31%
Fairer Finance score Reviewed Spring 2023	65%

Travel insurance

Ranked 6^th of 41 providers reviewed.

Customer happiness	58.21%
Customer trust	60.82%
Complaints performance	72.57%
Transparency rating	59.56%
Fairer Finance score Reviewed Spring 2023	63%

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

Duration of 0% balance transfer offer period i	28 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

Duration of 0% balance transfer offer period i	18 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

Duration of 0% balance transfer offer period i	12 months
Balance transfer fee during promotional period i	2.9%
Representative APR i	21.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	2.9%
Representative balance transfer rate i	1.667%
Risk based? i

Duration of purchases offer period i	21 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

Duration of purchases offer period i	3 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

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%

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	21.9%
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%

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%

Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i	Covered under the home emergency policy
Cover Type i	Add-On
Home Emergency Cover limit i	£1,000.00
Minimum Excess i	£0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i	No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i	No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i	£500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i	£500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i	£500.00
Domestic Power supply covered? i
Roof damage i	Covered under the home emergency policy
Pest infestation cover i
Underwriter i	Aviva Insurance Limited
Maximum Excess i	£0.00
Alternative Accommodation Cover i	£1,000.00
24/7 Claims Helpline i
Unoccupied period i	Not Specified

Alternative accommodation cover limit for buildings i	£100,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i	£100,000.00
Escape of water excess i	£450.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i	£100,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i	£1,000,000.00
Keys/locks if lost or stolen (Buildings) i	£1,000,000.00
Money in the home i	£500.00
Replace belongings new for old i
Trace and access i	£1,000,000.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i	£550.00
Compulsory excess (contents) i	£100.00
Additional flood excess i	£0.00
Standard excess for subsidence claims	£1,000.00
Liability as a tenant i	£40,000.00
Liability to domestic employees i	£10,000,000.00
Property owner liability i	£5,000,000.00
Buildings cover limit i	£1,000,000.00
Contents cover limit i	£100,000.00
Underwriter	Aviva
24hr helpline i
Unoccupied period i	90
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i	£0.00
Cancellation fee after 14 days i	£0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days	£0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection	£100.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i

Alternative accommodation cover limit for buildings i	Unlimited
Matching sets (contents) i
Theft from outbuildings cover limit i	Sum Insured
Escape of water excess i	£450.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i	Unlimited
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i	Sum Insured
Keys/locks if lost or stolen (Buildings) i	Unlimited
Money in the home i	£500.00
Replace belongings new for old i
Trace and access i	Unlimited
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i	£550.00
Compulsory excess (contents) i	£100.00
Additional flood excess i	£0.00
Standard excess for subsidence claims	£1,000.00
Liability as a tenant i	£40,000.00
Liability to domestic employees i	£10,000,000.00
Property owner liability i	£5,000,000.00
Buildings cover limit i	Unlimited
Contents cover limit i	Unlimited
Underwriter	Aviva
24hr helpline i
Unoccupied period i	90
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i	£0.00
Cancellation fee after 14 days i	£0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days	£0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection	Unlimited
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i

Trace and access i	£1,000,000.00
Keys/locks if lost or stolen (buildings) i	£1,000,000.00
Matching sets (Buildings) i
Alternative accommodation cover limit for buildings i	£100,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft	Sum Insured
Cover for storm and flood
Snow depth (cm) i	Not Defined
Rainfall (mm) i	Not Defined
Windspeed (mph) i	Not Defined
Escape of water (plus compulsory excess) i	£550.00
Buildings compulsory excess i	£100.00
Escape of water excess i	£450.00
Flood excess i	£100.00
Unoccupied period i	90
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i	£0.00
Amendment fee (telephone) i	£0.00
Property owner liability i	£5,000,000.00

Trace and access i	Unlimited
Keys/locks if lost or stolen (buildings) i	Unlimited
Matching sets (Buildings) i
Alternative accommodation cover limit for buildings i	Unlimited
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft	Sum Insured
Cover for storm and flood
Snow depth (cm) i	Not Defined
Rainfall (mm) i	Not Defined
Windspeed (mph) i	Not Defined
Escape of water (plus compulsory excess) i	£550.00
Buildings compulsory excess i	£100.00
Escape of water excess i	£450.00
Flood excess i	£100.00
Unoccupied period i	90
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i	£0.00
Amendment fee (telephone) i	£0.00
Property owner liability i	£5,000,000.00

Representative APR (on £5,000 loan, 36 month term)	6.5%
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 amount	84 months

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
Prescription diet (treatment of bladder stones only) 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

Type of cover i	Time-limited
Medical cover limit i	£3,000.00
Medical excess i	£50.00
Annual policy limit i
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
Prescription diet (treatment of bladder stones only) 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

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
Prescription diet (treatment of bladder stones only) 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

Interest Rate (AER) i	3.5%
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 £50.

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 £75.

Interest Rate (AER) i	1.3%
Maximum Balance i	Unlimited
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i	£1.00
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
Penalty free withdrawals? i

Interest Rate (AER) i	2.3%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i	£1.00
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
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

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 cover limit i	£250.00
Cutting trip short cover limit i	£4,000.00
Abandoning your trip cover limit i	£4,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i	365 days

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	£250.00
Cutting trip short cover limit i	£6,000.00
Missed departure cover limit i	£600.00
Abandoning your trip cover limit i	£6,000.00
Emergency medical cover and repatriation cover limit i	£10,000,000.00
Personal money i	£0.00
Combined passport & travel cover limit i	£100.00

Marks & Spencer

Car insurance

Credit cards

0% balance transfer credit cards

0% purchase credit cards

Cashback and reward credit cards

Foreign use credit cards

Home Emergency Cover

Home insurance (building and contents)

Buildings insurance

Contents insurance

Personal loans

Pet insurance

Cat insurance

Dog insurance

Savings Accounts

1 Year Fixed Rate Accounts

2 Year Fixed Rate Accounts

3 Year Fixed Rate Accounts

Easy Access Accounts

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

2 Year Fixed Rate ISAs

3 Year Fixed Rate ISAs

Easy Access ISAs

Travel insurance

Annual multi-trip insurance

Single trip insurance

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

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