Marks and Spencer Financial Services plc

Marks and Spencer Financial Services plc, trading as M&S Bank, is the financial services arm of the M&S retail group. For many years it operated as a full retail bank offering current accounts, savings, mortgages, and loans. However, the bank has significantly scaled back its banking operations and now focuses primarily on credit cards.

M&S credit cards are the main product available to new customers. These cards often come with rewards that can be redeemed at M&S stores, making them popular with regular M&S shoppers. The cards are issued and managed by HSBC UK Bank plc, which took over the banking operations from M&S Bank. M&S Bank itself retains the credit card product under the M&S brand.

If you hold an M&S credit card and have a question or complaint, you can contact M&S Bank through their website or by phone. Their registered address is Kings Meadow, Chester, CH99 9FB. The credit card products are regulated by the Financial Conduct Authority.

If you received a credit card through M&S Bank and are finding it difficult to manage repayments, you should contact them as early as possible. Many lenders have specialist teams to help customers in financial difficulty and can discuss options such as reduced payment plans.

Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. These services are completely free and confidential. You should never pay for basic debt advice.

For general money guidance, MoneyHelper at moneyhelper.org.uk provides free, government-backed information on managing credit card debt and budgeting.