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  • FIRST POST
    • EachPenny
    • By EachPenny 10th Sep 17, 12:58 PM
    • 2,133Posts
    • 3,156Thanks
    EachPenny
    M&S Current Account
    • #1
    • 10th Sep 17, 12:58 PM
    M&S Current Account 10th Sep 17 at 12:58 PM
    Is there any difference between opening the M&S current account in-store rather than online - in particular are they more likely to want ID documents in-store compared to the online process? I cannot see anything on their website about what ID may be required for either process.

    The £125 + 12x£5 gift card offer has been running a while and I'm getting to the point where I doubt it will be increased so I'm thinking of taking the plunge before the offer ends.

    I live close to a store, so it isn't a problem to open in-store if there is no disadvantage of doing so. The only one I can think of is my passport has expired which might be an issue if they want to see it in-store rather than doing an electronic ID check.

    Any tips would be much appreciated.
    "In the future, everyone will be rich for 15 minutes"
Page 1
    • datlex
    • By datlex 10th Sep 17, 1:27 PM
    • 1,319 Posts
    • 1,100 Thanks
    datlex
    • #2
    • 10th Sep 17, 1:27 PM
    • #2
    • 10th Sep 17, 1:27 PM
    Not all stores have branches in them. I opened mine online it was very straight forward. I had a minor issue with one of my DDs but that was sorted and I got my switch bonus. I now get the £5 a month from them on my gift card. I also have their monthly saver account. The account is far from perfect. You get a small key pad that you have to use every single time you log into your account. There is not a decent banking app, it is only a balance checker at present. However, you can use the M&S banking website with in the Chrome app on Android.
    • YorkshireBoy
    • By YorkshireBoy 10th Sep 17, 1:34 PM
    • 29,399 Posts
    • 17,186 Thanks
    YorkshireBoy
    • #3
    • 10th Sep 17, 1:34 PM
    • #3
    • 10th Sep 17, 1:34 PM
    I'd ring your local branch and ask them your question. Some of them, including my nearest, are open today, Sunday.


    But there would need to be a distinct advantage, rather than no disadvantage, to make me sit through an hour of someone reading a script to me!
    • EachPenny
    • By EachPenny 10th Sep 17, 1:59 PM
    • 2,133 Posts
    • 3,156 Thanks
    EachPenny
    • #4
    • 10th Sep 17, 1:59 PM
    • #4
    • 10th Sep 17, 1:59 PM
    ...The account is far from perfect...
    Originally posted by datlex
    Thanks, the account is only to benefit from the switching bonus and access the the regular saver, so I can live with the foibles

    But there would need to be a distinct advantage, rather than no disadvantage, to make me sit through an hour of someone reading a script to me!
    Originally posted by YorkshireBoy
    Thanks, I'll make that phone call unless anyone else has recent experience. I think they do a nice coffee and biscuits, which might be enough for me to sit through anything

    Seriously though, my erratic income and lack of full-time employment has made some applications difficult in the past. The problem is usually resolved by a visit to a branch. Given some of the comments about M&S elsewhere on the board I'm tempted to avoid any problems by skipping the online application and just going into branch armed with proof of my savings and investment income
    "In the future, everyone will be rich for 15 minutes"
    • LuSiVe
    • By LuSiVe 10th Sep 17, 7:32 PM
    • 792 Posts
    • 1,072 Thanks
    LuSiVe
    • #5
    • 10th Sep 17, 7:32 PM
    • #5
    • 10th Sep 17, 7:32 PM
    Make an appointment. Whenever I've gone on the off chance they wouldn't see me.
    • Jeems
    • By Jeems 10th Sep 17, 9:25 PM
    • 167 Posts
    • 99 Thanks
    Jeems
    • #6
    • 10th Sep 17, 9:25 PM
    • #6
    • 10th Sep 17, 9:25 PM
    Sorry to hijack the thread but those already with the account, can you confirm the 2 DD's just need to be active on the account for you to get the £5 monthly top up, or do they need to actually pay out?

    Many thanks
    • datlex
    • By datlex 10th Sep 17, 10:42 PM
    • 1,319 Posts
    • 1,100 Thanks
    datlex
    • #7
    • 10th Sep 17, 10:42 PM
    • #7
    • 10th Sep 17, 10:42 PM
    Sorry to hijack the thread but those already with the account, can you confirm the 2 DD's just need to be active on the account for you to get the £5 monthly top up, or do they need to actually pay out?

    Many thanks
    Originally posted by Jeems
    Yes they do need to be active. On mine I have one to a post office savings account and one to a Tesco savings account so I don't lose the money.
    • Mchambers
    • By Mchambers 11th Sep 17, 7:32 AM
    • 316 Posts
    • 123 Thanks
    Mchambers
    • #8
    • 11th Sep 17, 7:32 AM
    • #8
    • 11th Sep 17, 7:32 AM
    Sorry to hijack the thread but those already with the account, can you confirm the 2 DD's just need to be active on the account for you to get the £5 monthly top up, or do they need to actually pay out?

    Many thanks
    Originally posted by Jeems
    Be careful. I spoke to M&S, who told me the CCs need to pay out before you switch.
    • colsten
    • By colsten 11th Sep 17, 10:45 AM
    • 8,721 Posts
    • 7,386 Thanks
    colsten
    • #9
    • 11th Sep 17, 10:45 AM
    • #9
    • 11th Sep 17, 10:45 AM
    Be careful. I spoke to M&S, who told me the CCs need to pay out before you switch.
    Originally posted by Mchambers
    CCs? DDs? OOs?
    • Mchambers
    • By Mchambers 11th Sep 17, 2:13 PM
    • 316 Posts
    • 123 Thanks
    Mchambers
    DDs...my mistake.
    • anna42hmr
    • By anna42hmr 11th Sep 17, 5:08 PM
    • 2,366 Posts
    • 940 Thanks
    anna42hmr
    Be careful. I spoke to M&S, who told me the CCs need to pay out before you switch.
    Originally posted by Mchambers
    when i phoned to arrange the switch after the account opened, they also asked me to ensure that at least two of the dd's switched had been claimed on the old account as they are not classed as fully active by them if they have never been claimed.
    MFW # 105

    2015 Target £7000/ Overpaid £8095
    2016 Target £6000 / Overpaid £6983.24
    2017 Target £3500 / £2722.08 so far as at August
    • Jeems
    • By Jeems 11th Sep 17, 11:33 PM
    • 167 Posts
    • 99 Thanks
    Jeems
    Be careful. I spoke to M&S, who told me the CCs need to pay out before you switch.
    Originally posted by Mchambers
    I meant once you'd switched. Do they need to pay out each month for you to get the £5 top up or do they just need to remain active on the account?
    • eskbanker
    • By eskbanker 11th Sep 17, 11:58 PM
    • 5,465 Posts
    • 5,270 Thanks
    eskbanker
    I meant once you'd switched. Do they need to pay out each month for you to get the £5 top up or do they just need to remain active on the account?
    Originally posted by Jeems
    http://bank.marksandspencer.com/current-accounts/mands-current-account/:
    Once you have your M&S gift card, we'll top it up with £5 each calendar month as long as a minimum of £1,000 is paid into your current account and two Direct Debits remain active – for a period of 12 months following the switch.
    http://bank.marksandspencer.com/pdf/CACass.pdf:
    for a period of 12 months starting with the month after the month in which the Switch completes, if between the first and last day of that month you pay £1,000 or more into your Qualifying Account (excluding internal transfers from other accounts held with us), retain two active Direct Debits from your Qualifying Account and do not breach the terms and conditions of your Qualifying Account or any associated overdraft facility, we will top up your Gift Card with £5 by the 15th of the following month.
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