Current Accounts Product Details

M&S Bank

M&S Current Account

Representative Example: Based on an overdraft limit of £500. Up to £100.00 charged at 0.00% EAR Variable. Over £100.00 charged at 15.90% EAR Variable. Overdraft fee of £0.00 Per Month.

General Account Details

None
Min 18 Years
None
None
None

Account Management

  • Yes
  • Yes
  • Yes
  • Yes
  • No
  • Yes

Facilities

  • Yes
  • Yes
  • Yes
  • Yes
  • Visa
  • £500
  • Yes

Benefits

- Other benefits, as well as those shown, might be available on this account. A full list of benefits will be included in the terms and conditions of the account.
Free £5 top up on gift card every month that £1K is deposited and a minimum of 2 DD mandates remain active for 12 months.
Free M&S gift card. Worth £125 paid on completion of the switching process using the Current Account Switch Service and 2 different and active D/D mandates held.
1 M&S point for every £1 spent on purchases made with your M&S Visa Debit Card within M&S.
Eligible for preferential rates on unsecured loans.
Eligible for exclusive access to M&S Monthly Saver on completion of the switching process using the Current Account Switch Service.
Exclusive rates on currency purchased from M&S travel money using M&S debit card.

Credit Interest Rates

BalanceGross Rate %AER %
£0.01 +0.00% 0.00%

Arranged Overdraft

Yes
Minimum BalanceRate %EAR %
£0.010.00% - Per Month0.00%
£100.011.2375% - Per Month15.90%
£0.01 and over:- £0.00 Per Month
£0.01 and over:- £0.00 Per Request
£0.01 and over:- £0.00 Per Request
23:45 same day
N/A
N/A

Unarranged Overdraft

Yes
Minimum BalanceRate %EAR %
£0.010.00% - Per Month0.00%
£0.01 to £50.00:- £0.00 Per Month
£0.01 and over: £0.00
23:45 same day
N/A
N/A
N/A

Foreign Usage Charge (Europe / Worldwide)

  • 2.75% / 2.75%
  • £0.00 / £0.00
  • 2.75% / 2.75%
  • £0.00 / £0.00
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