from 13 ratings
13 customers rated their M&S Bank savings as 4.2 out of 5 in our Consumer Finance Awards and Reviews.
Customer Service
Flexibility & Fairness
Product Features
Value For Money

Investment ISAs are tax-efficient wrappers for long term investments. You may get back less than you pay in because your capital isn't guaranteed and charges may apply. Your personal circumstances will determine how much tax you pay on your investments and returns; tax laws may change.

M&S Bank Monthly Saver
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Regular Saver£25.006% fixed
for 1 year
on £25+
FSCSOnline, Branch, Phone & Post
This product is only available to M&S Premium Current Account holders.
M&S Bank 3 Year Fixed Rate Savings Cash ISA Issue 22
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Cash ISA£500.001.8% fixed
for 3 years
on £500+
FSCSOnline, Branch, Phone & Post
M&S Bank 3 Year Fixed Rate Savings Issue 22
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£500.001.8% fixed
for 3 years
on £500+
FSCSOnline, Branch, Phone & Post
M&S Bank 2 Year Fixed Rate Savings Cash ISA Issue 22
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Cash ISA£500.001.65% fixed
for 2 years
on £500+
FSCSOnline, Branch, Phone & Post
M&S Bank 1 Year Fixed Rate Savings Cash ISA Issue 22
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Cash ISA£500.001.5% fixed
for 1 year
on £500+
FSCSOnline, Branch, Phone & Post
M&S Bank 2 Year Fixed Rate Savings Issue 22
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£500.001.45% fixed
for 2 years
on £500+
FSCSOnline, Branch, Phone & Post
M&S Bank Advantage Cash ISA
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Cash ISA£100.001.3% variable
on £100+
-Online, Phone & Post
M&S Bank 1 Year Fixed Rate Savings Issue 22
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£500.001.2% fixed
for 1 year
on £500+
FSCSOnline, Branch, Phone & Post
M&S Bank Everyday Savings Ex/C
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Instant Access£1.000.75% variable
on £1+
FSCSOnline, Branch & Phone
M&S Bank Everyday Savings
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Instant Access£1.000.35% variable
on £1+
FSCSOnline, Branch & Phone
M&S Bank M&S ISA
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Investment ISA£25.00-FSCS-

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M&S Bank Savings Reviews

M&S Bank Savings Accounts

by RoseB, 20 Jul 2013
Recommended by RoseB

I have a few fixed rate ISAs with M&S, taken out when rates were higher in general (and M&S's were extremely competitive). It was difficult to get through on the telephone as they were so busy but I found my local branch very helpful. I'm putting £250 per month into their fixed rate monthly saver which pays 6% over the year.

Customer Service:
Excellent
Flexibility & Fairness:
Excellent
Product Features:
Excellent
Value For Money:
Excellent


M&S Bank Savings Account Interest Vanished like Scotch Mist

by davidken, 3 Jul 2013
Good initial rate, easy to open and operate online.
Average interest rate.

I searched around for a decent rate of interest and found one with M&S, who offered 2.35%, - best of the bunch. This included a bonus awarded at the end of the first year. Unfortunately it was a variable rate, and sure enough, soon after I took it up the rate varied! I now have a basic rate of 0.35%, and unless I hang on for the year I won't get the bonus!

Customer Service:
Good, I'm happy
Flexibility & Fairness:
Good, I'm happy
Product Features:
Good, I'm happy
Value For Money:
Good, I'm happy


M&S Money ISA always consistent

by suesku, 12 Jul 2013
Recommended by suesku

Always consistent, sending updates and interest rates, detailed statements. Very Happy with service and performance. Customer services are always polite and helpful, I am able to call and speak to someone without a wait.

Customer Service:
Excellent
Flexibility & Fairness:
Excellent
Product Features:
Excellent
Value For Money:
Excellent


M & S saving account and current account

by jaggie, 18 Jun 2013
Customer services
NA
Recommended by jaggie

Great all round service, great customer service, understanding customer issues and dealing with them on the spot

Customer Service:
Excellent
Flexibility & Fairness:
Excellent
Product Features:
Good, I'm happy
Value For Money:
Excellent


Savings with M and S

by thriftyfifty, 25 Oct 2012
Good rates clear information
Poor customer service

Very poor experience setting up fixed rate savings online and cut off with no answer twice after 20 minutes each time on the call line. Very poor call line quality. Not the service I was expecting. Greatly regret my decision.

Customer Service:
Terrible
Flexibility & Fairness:
Poor, could be greatly improved
Product Features:
Good, I'm happy
Value For Money:
Good, I'm happy


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