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  • FIRST POST
    • EachPenny
    • By EachPenny 10th Sep 17, 12:58 PM
    • 2,838Posts
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    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
    • 1,408 Posts
    • 1,210 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
    • 29,527 Posts
    • 17,326 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
    • 2,838 Posts
    • 5,078 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
    • 802 Posts
    • 1,076 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
    • 180 Posts
    • 106 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
    • 1,408 Posts
    • 1,210 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
    • 447 Posts
    • 148 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
    • 8,786 Posts
    • 7,463 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
    • 447 Posts
    • 148 Thanks
    Mchambers
    DDs...my mistake.
    • anna42hmr
    • By anna42hmr 11th Sep 17, 5:08 PM
    • 2,405 Posts
    • 968 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 / £3152.60 so far as at October
    • Jeems
    • By Jeems 11th Sep 17, 11:33 PM
    • 180 Posts
    • 106 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
    • 5,786 Posts
    • 5,670 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.
    • HamsterHeaven
    • By HamsterHeaven 14th Oct 17, 11:09 AM
    • 9 Posts
    • 2 Thanks
    HamsterHeaven
    With the £1,000 pay in, does it mean that you can pay it in one day (say Monday) then have it transferred out the day/a few days after (eg Tues/Wednes?).

    I don't want to change the a/c my salary of roughly £1000 pcm goes into

    (sorry for thread hijacking
    • binaryuniverse
    • By binaryuniverse 14th Oct 17, 11:19 AM
    • 460 Posts
    • 244 Thanks
    binaryuniverse
    Yes. All that needs to register is that you've paid in at least £1000 over the month. It doesn't have to be £1000 all in one go either. It can be 10 x £100.
    • HamsterHeaven
    • By HamsterHeaven 14th Oct 17, 11:32 AM
    • 9 Posts
    • 2 Thanks
    HamsterHeaven
    Smashing - thanks for your help binaryuniverse
    • Katiehound
    • By Katiehound 14th Oct 17, 3:45 PM
    • 3,790 Posts
    • 37,635 Thanks
    Katiehound
    With the £1,000 pay in, does it mean that you can pay it in one day (say Monday) then have it transferred out the day/a few days after (eg Tues/Wednes?).

    I don't want to change the a/c my salary of roughly £1000 pcm goes into

    (sorry for thread hijacking
    Originally posted by HamsterHeaven
    The £1K only needs to touch base- it doesn't actually need to stay there. I keep approx £100 residing all the time!That will cover the monthly DDs of £2.50

    Once a/c is open you can take advantage of the regular saver with decent % interest.
    Being polite and pleasant doesn't cost anything!

    If you found my posting helpful please hit the "Thanks" button!
    Thank You
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