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  • FIRST POST
    • Leeds2626
    • By Leeds2626 29th Dec 16, 9:57 AM
    • 2Posts
    • 0Thanks
    Leeds2626
    M&s current account
    • #1
    • 29th Dec 16, 9:57 AM
    M&s current account 29th Dec 16 at 9:57 AM
    I currently have a Santander account and earn approx 5 cashback after the fee's.

    Is the m&s current account the best to switch to at the moment ? I shop there so the 'switching cashback offer' on a gift card doesn't bother me.
Page 2
    • colsten
    • By colsten 7th Jan 17, 2:54 PM
    • 9,010 Posts
    • 7,757 Thanks
    colsten
    Is it correct that the switch cannot be initiated on line and that you have to ring/go in branch to initiate the switch?
    Originally posted by C_Mababejive

    From the offer terms and conditions (that you already read, yes? )


    The use of the Current Account Switch Service must be initiated through our bank branches or by calling us on 0345 900 0900.
    • schiff
    • By schiff 7th Jan 17, 4:26 PM
    • 17,942 Posts
    • 9,324 Thanks
    schiff
    Can the RS be opened in the same phone call? TIA
    • YorkshireBoy
    • By YorkshireBoy 7th Jan 17, 4:31 PM
    • 30,152 Posts
    • 18,004 Thanks
    YorkshireBoy
    Can the RS be opened in the same phone call? TIA
    Originally posted by schiff
    Isn't one of the pre-requisites of the regular saver that you have completed a switch?
    • bigadaj
    • By bigadaj 7th Jan 17, 5:13 PM
    • 10,816 Posts
    • 7,138 Thanks
    bigadaj
    Isn't one of the pre-requisites of the regular saver that you have completed a switch?
    Originally posted by YorkshireBoy
    Yes, I asked about both in my first call, they processed the switch and I then had to ring afterwards to set up the regular saver.
    • joe134
    • By joe134 8th Jan 17, 8:27 AM
    • 3,110 Posts
    • 402 Thanks
    joe134
    I opened my joint A/c on the phone, long winded, and put the RS in wifes name,after she answered loads of questions, but set up internet banking in mine only.
    Just had to set up IB for wife to move RS to current A/c when it matures next month.
    I had to open A/c then RS afterwards.
    They are stringent.
    • schiff
    • By schiff 10th Jan 17, 12:07 PM
    • 17,942 Posts
    • 9,324 Thanks
    schiff
    Initiated the switch today. Took 30 minutes and it requires intense concentration if your hearing is not 100%. Bewildered by the extent of the security with PIN, security info, password, etc and the irritating PASS device for online access (who carts one of those round all the time?).

    This bit in the welcome letter about switching intrigues me:

    'Once your account has been successfully transferred, you could receive a special 'thank you' from us (T&Cs apply)' - my emphasis. Is it the 100 gift-card or something else - a money off coupon for a M&S shop maybe?
    • TheShape
    • By TheShape 10th Jan 17, 12:39 PM
    • 1,287 Posts
    • 1,099 Thanks
    TheShape

    This bit in the welcome letter about switching intrigues me:

    'Once your account has been successfully transferred, you could receive a special 'thank you' from us (T&Cs apply)' - my emphasis. Is it the 100 gift-card or something else - a money off coupon for a M&S shop maybe?
    Originally posted by schiff
    You need to switch two active direct debits to M&S to qualify. You could receive the gift-card but only once they've checked whether or not you meet the criteria.
    • joe134
    • By joe134 11th Jan 17, 8:17 AM
    • 3,110 Posts
    • 402 Thanks
    joe134
    Initiated the switch today. Took 30 minutes and it requires intense concentration if your hearing is not 100%. Bewildered by the extent of the security with PIN, security info, password, etc and the irritating PASS device for online access (who carts one of those round all the time?).

    This bit in the welcome letter about switching intrigues me:

    'Once your account has been successfully transferred, you could receive a special 'thank you' from us (T&Cs apply)' - my emphasis. Is it the 100 gift-card or something else - a money off coupon for a M&S shop maybe?
    Originally posted by schiff
    Unlike Hsbc,who's running M/s 's bank , you need the Pass to log in every time , Hsbc allow you to log in without it, to do certain transactions, and view a/c.
    It's a good means of second Verification.
    If like me,You will only have it 12 months if you are taking their RS
    Last edited by joe134; 11-01-2017 at 8:23 AM.
    • cuthbertlilly
    • By cuthbertlilly 28th Apr 17, 11:34 AM
    • 730 Posts
    • 198 Thanks
    cuthbertlilly
    Now 125 gift card up front, with 5 gift card added per month for a year.

    I haven't got a suitable donor account at the moment, is it just a case of setting up a donor (or dummy account), setting up 2 x DD's (e.g. Tesco - are 2 x Tesco savings ok for this?) and then switching to M&S? or are there any other things to do before switching?
    • milton1970
    • By milton1970 10th Jun 17, 4:32 PM
    • 38 Posts
    • 17 Thanks
    milton1970
    Hoping someone can help - switched & got the initial gift card but confused on the additional monthly credits.

    Do the credits get loaded onto the same card & how do you check they have been?

    TIA
    • stoozie1
    • By stoozie1 10th Jun 17, 5:00 PM
    • 549 Posts
    • 485 Thanks
    stoozie1
    they text you to say they've topped it up. Mine was always the 15th of the month.
    • ceredigion
    • By ceredigion 10th Jun 17, 8:10 PM
    • 2,708 Posts
    • 3,595 Thanks
    ceredigion
    Hoping someone can help - switched & got the initial gift card but confused on the additional monthly credits.

    Do the credits get loaded onto the same card & how do you check they have been?

    TIA
    Originally posted by milton1970
    they text you to say they've topped it up. Mine was always the 15th of the month.
    Originally posted by stoozie1


    You can also check the balance of the card online
    • zak2012
    • By zak2012 11th Jun 17, 3:33 PM
    • 314 Posts
    • 16 Thanks
    zak2012
    Hoping someone can help - switched & got the initial gift card but confused on the additional monthly credits.

    Do the credits get loaded onto the same card & how do you check they have been?

    TIA
    Originally posted by milton1970
    How long after ur switch u got ur gift card from M&S?
    • milton1970
    • By milton1970 11th Jun 17, 4:05 PM
    • 38 Posts
    • 17 Thanks
    milton1970
    Thanks all

    zak2012 ... about 3 weeks
    • OceanSound
    • By OceanSound 4th May 18, 7:17 AM
    • 159 Posts
    • 25 Thanks
    OceanSound
    any expiry date on gift card top-ups?
    You can also check the balance of the card online
    Originally posted by ceredigion
    they text you to say they've topped it up. Mine was always the 15th of the month.
    Originally posted by stoozie1
    when the gift card is topped up with 5 (or 10) each month, is that top-up valid until the expiry of the gift card?

    if so, what is validly period of the gift card? 1 year from date of issue?
    • LuSiVe
    • By LuSiVe 4th May 18, 8:48 AM
    • 832 Posts
    • 1,113 Thanks
    LuSiVe
    They're usually 2 years from the last time you used it or checked the balance.
    • KingL
    • By KingL 4th May 18, 10:34 AM
    • 1,631 Posts
    • 748 Thanks
    KingL
    when the gift card is topped up with 5 (or 10) each month, is that top-up valid until the expiry of the gift card?

    if so, what is validly period of the gift card? 1 year from date of issue?
    Originally posted by OceanSound
    Period of validity Gift cards and e-gift cards are valid for the period which is the later of 24 months from:
    - the date of issue, or
    - the date of the last transaction (transactions include balance enquiries).
    from:
    http://help.marksandspencer.com/support/legal-and-ethical/terms-and-conditions#anchor18

    • KingL
    • By KingL 4th May 18, 10:50 AM
    • 1,631 Posts
    • 748 Thanks
    KingL
    Note that this is an old thread that got bumped. M&S launched a new (similar) offer in late April 2018 with 100 initial gift plus 10 per month if you stay.

    Two weeks later (early May 2018), that seems to have changed to 125 initially followed by 12 months of 5 (presented as '185 to switch and stay').

    .
    edit: err, it seems the first one is just for holders of the M&S credit card and the second one is a different, generic, offer
    Last edited by KingL; 04-05-2018 at 10:57 AM.

    • camelot1971
    • By camelot1971 8th May 18, 9:15 PM
    • 719 Posts
    • 1,107 Thanks
    camelot1971
    Has anyone opened an account recently? I had a text to say they had lots of applications and they would review my application shortly - that was last week.

    I know HSBC can be slow
    • No_6
    • By No_6 8th May 18, 9:28 PM
    • 637 Posts
    • 129 Thanks
    No_6
    You should have opened a new thread !!!!!!!
    so PEOPLE don't have to read all the OLD posts !!!!!!!!!!!!!!!!!!!!1

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