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 6^th 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%

Credit cards

Ranked 11^th 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%

Home insurance (building and contents)

Ranked 13^th 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%

Personal loans

Ranked 3^rd 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%

Pet insurance

Ranked 25^th 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 35^th 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%

Travel insurance

Ranked 8^th of 44 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%

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	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

Duration of 0% balance transfer offer period i	12 months
Balance transfer fee during promotional period i	2.9%
Representative APR i	23.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	2.9%
Representative balance transfer rate i	1.805%
Risk based? i

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

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	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%

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	55 days
Risk based? i
Representative purchase rate i	1.805%

Home Security Cover i
Home Emergency Cover limit i	£1,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
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 Specified
Claims limit i	Unlimited

Theft from outbuildings i	£100,000.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i	£1,000,000.00
Escape of water excess i	£450.00
Additional escape of water excess i	£0.00
Flood excess i	£100.00
Cover away from home offered for: jewellery	Optional
Keys/locks if lost or stolen (Buildings) i	£1,000,000.00
Trace and access i	£1,000,000.00
Buildings cover limit i	£1,000,000.00
Money in the home i	£500.00
Contents sum insured i	£100,000.00
Visitor's possessions i	£100,000.00
Office equipment i	£100,000.00
Alternative accommodation cover limit for contents i	£100,000.00
Escape of water excess (minimum) i	£450.00
Cancellation fee after 14 days i	£0.00
Cancellation fee within 14 days i	£0.00
Contents compulsory excess i	£100.00
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

Theft from outbuildings i	Sum insured
Matching sets (contents) i
Alternative accommodation cover limit for buildings i	Unlimited
Escape of water excess i	£450.00
Additional escape of water excess i	£0.00
Flood excess i	£100.00
Cover away from home offered for: jewellery	Optional
Keys/locks if lost or stolen (Buildings) i	Unlimited
Trace and access i	Unlimited
Buildings cover limit i	Unlimited
Money in the home i	£500.00
Contents sum insured i	Unlimited
Visitor's possessions i	Unlimited
Office equipment i	Unlimited
Alternative accommodation cover limit for contents i	Unlimited
Escape of water excess (minimum) i	£450.00
Cancellation fee after 14 days i	£0.00
Cancellation fee within 14 days i	£0.00
Contents compulsory excess i	£100.00
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

Matching sets (Buildings) i
Escape of water excess (minimum) i	£450.00
Buildings compulsory excess i	£100.00
Escape of water excess i	£450.00
Unoccupied period i	90.00
24hr 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

Matching sets (Buildings) i
Escape of water excess (minimum) i	£450.00
Buildings compulsory excess i	£100.00
Escape of water excess i	£450.00
Unoccupied period i	90.00
24hr 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

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

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
Is there an option to cover pre-existing conditions? i

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
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
Is there an option to cover pre-existing conditions? 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
Is there an option to cover pre-existing conditions? i

Interest Rate (AER) i	5.05%
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	5.1%
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	4.8%
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.

Interest Rate (AER) i	2%
Minimum Opening Balance i	£1.00
Maximum Balance i	£0.00
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
Additional Information i

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
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	£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

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