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£185 M&S vouchers for switching current accounts
4 stars +330

£185 M&S vouchers for switching current accounts

£185 Marks & Spencer Bank28 Apr 17
Source: HotUKDeals | Deals > All categories
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Opening post
writergirl74
28 Apr 17
M&S Bank has upped its switching incentive for new current account customers.

People switching their current account to M&S can now get a £125 M&S gift card plus £5 a month gift card top-up for a year (£60 in total): a total of £185.

However, there are a few provisos:
• To get the £5 a month you need to deposit £1,000 in the account each month – so it’s a *staying* incentive alongside the switching incentive.
• You need to use the Current Account Switch Service (CASS) to switch from your existing bank.
• You need to transfer at least two active direct debits.

It’s an improvement on the previous M&S offer: it used to be a £50 voucher plus the £5 monthly reward for two years.

Regular saver
Customers who switch to an M&S current account will also have access to the bank’s Regular Saver which pays the top regular saver rate of 5%. You can pay in between £25 and £250 a month. If you paid in £250 a month for a year you’d earn £81 in interest over 12 months.

So, combining the two deals together you could earn £266 from M&S in the first year.


Rewards
If you’re a big M&S fan, its current account also has a reward scheme:
• You get one point for every £1 spent in M&S (in-store and online).
• 100 points is worth £1 in M&S vouchers so it’s the equivalent to 1% cashback.
• Points are automatically converted into M&S vouchers and sent to customers each quarter.

A few other bits of info about the M&S current account:
• You get an £500 overdraft (subject to status and credit checks). The first £100 is interest-free and the rest is charged at 15.9%.
• There are no overdraft fees and customers receive free text alerts as they approach their overdraft limit.

In summary:
It’s not a bad account but it doesn’t pay credit interest so if you have loads of cash you’d be better off stashing it in one paying a decent interest rate.

The debit card loyalty points make it a sweet deal for M&S fans.

It compares well against other switching deals. You can get up to £176 with the Co-op (£110 plus up to £5.50 a month). First Direct pays £100. Halifax pays £75 cash plus £3 a month so £111 in the first year.
20 comments
browntoa
29 Apr 17 #19
they are extremely picky about who they take as customers , expect multiple requests for you to ring them and send in ID . but you do get there in the end . Nice friendly UK call centres
gemniz to browntoa
29 Apr 17 #20
true. they refused me because I only work part time :stuck_out_tongue:
quantum77
29 Apr 17 #17
since switching I've not yet had my monthly bonus despite 2 active DDs and £1000 paid in... also the login process is horrible and the app is poor as it just shows your balance.

take initial voucher and leave!
Besford
28 Apr 17 #15
Well I agree (Aldi anyway) - but that doesn't make your comment correct.
sirmaggie
28 Apr 17 2 #12
IDIOT, THATS THE POINT YOU DONT HAVE THE £185
Damm don't feed the trolls, well not this one, he cant a deal when he sees one!
Cameron92
28 Apr 17 2 #10
Why would I waste it on vastly overpriced food. I'd rather have £185 and get a ton more food than I could at M&S from Tesco or Aldi.
Zameen
28 Apr 17 #9
only for new customers? think I did it 3 years back with m&s
crumpetman to Zameen
28 Apr 17 #11
I checked the terms and conditions to be sure and yes it's new customers only.
defgimp
28 Apr 17 #8
Can you switch to this account and then switch elsewhere when you've got the £125, ignoring the fiver a month or do you sign up for a year?
writergirl74 to defgimp
29 Apr 17 #18
You can go once you have the £125.
highlander1066
28 Apr 17 #7
There isn't any guarantee you will receive the voucher. After countless emails and phone calls to M&S I eventually I had to go through the banking ombudsman to get them to send me one.
Jiwani80
28 Apr 17 #5
Does your current account get closed if you use the switching service to open a new current account
X50pence777 to Jiwani80
29 Apr 17 #16
thats what switch means... you 'switch'(move) your account from one bank to another..... but there is no limit on bank accounts, just open a new account at whatever bank you are currently with and switch that...... remember to conditions for things like direct debits as some banks require a few to be switched for the reward...
Cameron92
28 Apr 17 #4
I'd rather have cash. Nothing for a guy who isn't 40+ to buy in M&S other than a suit for work or formal events.
Besford to Cameron92
28 Apr 17 6 #6
You don't eat food?
miffyl
28 Apr 17 1 #3
You have to close the account you switch as well.

And the app is terrible.
rdbradshaw
28 Apr 17 4 #2
Shame they gone abit tight , I'm still on the £100 card plus £10 a month top up , total £220
writergirl74 to rdbradshaw
28 Apr 17 #13
Yes it's a shame it's not M&S' best ever incentive but it's not bad for the market at the moment.
writergirl74 to rdbradshaw
28 Apr 17 #14
Yes it's a shame it's not M&S' best ever incentive but it's not bad for the market at the moment.

Christmas /birthday presents?
m1chaels
28 Apr 17 1 #1
:disappointed:
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