Home About us FSCS Financial Services Compensation Scheme (FSCS) Who owns M&S Bank? M&S Bank is a trading name of Marks & Spencer Financial Services plc. M&S Bank is part of the HSBC Group. M&S Bank launched in 2012 on the foundations of M&S Money, which was established in 1985 as the financial services division of Marks and Spencer plc. Today, M&S Bank operates as a joint venture arrangement between HSBC and Marks & Spencer, however, M&S Bank has its own banking licence and its own Board. Am I protected by the Financial Services Compensation Scheme? M&S Bank is covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors are covered by the scheme. In respect of deposits, an eligible depositor is entitled to claim up to the current FSCS limit for deposits. The FSCS deposit limit relates to the combined amount in all the eligible depositor’s accounts with the bank, including their share of any joint account, and not to each separate account. M&S Bank is a trading name of Marks & Spencer Financial Services plc. Customers who hold deposits with M&S Bank (under one or both trading names) are eligible for one claim of up to the FSCS deposit limit. The FSCS also cover a wide range of other financial products and services such as investments, pensions, financial advice, insurance broking, mortgage advice and arranging. Different compensation limits and eligibility requirements will apply. For further information about the scheme (including the current limits, amounts covered and eligibility to claim) please refer to the FSCS website www.FSCS.org.uk, call the FSCS on 0207 741 4100 or 0800 678 1100, or read the below documents. A guide to the Financial Services Compensation Scheme UK FSCS Information Sheet and Exclusions List You may require Adobe PDF reader to view these documents. M&S Bank official page on Facebook M&S Bank official page on Twitter Internet Banking M&S Banking App Products M&S Credit Card M&S Personal loans M&S Club Rewards M&S Car Insurance M&S Pet Insurance M&S Travel Insurance M&S Home Insurance M&S Travel Money M&S Savings and Investments About us Contact us Find a Bureau Service status Careers Sitemap Legal Legal info M&S Bank Privacy Notice Cookie notice Accessibility This website is designed for use in the United Kingdom (UK) Cookies on this website We use cookies to help ensure that our website and services are able to function properly. These cookies are necessary and so are set automatically. We would also like to use some cookies to: make your visit more personal improve our website based on how you use it support our marketing These cookies are optional and you can choose which types you'd like to accept. To do this, select 'Manage cookie settings'. If you'd like to accept all optional cookies, select 'Accept all cookies'. To learn more about how we use cookies, visit our Cookie notice. Manage cookie settings Accept all cookies