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https://bank.marksandspencer.com/pressreleases/pr100399.pdf
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01/11/2024 00:57:31
|
en
|
M&S BANK ADDS MORTGAGE INTELLIGENCE TO INTERMEDIARY NETWORK
M&S Bank has appointed award-winning mortgage network, Mortgage Intelligence to its
growing list of mortgage intermediary partners.
Today’s announcement follows a number of new mortgage broker appointments last year
and marks the start of an ongoing growth plan for M&S Bank’s intermediary network
throughout 2019.
Mortgage Intelligence is one of the UK's leading mortgage networks, providing tailored
solutions and award-winning service for nearly 20 years. M&S Bank’s network of
intermediaries now boasts some of the largest and most established brokers in the market.
Paul Stokes, head of products at M&S Bank said: “We offer a complete range of mortgage
solutions with some additional specific solutions to help first time buyers realise their dream
of home ownership as well as supporting families who want to help their loved ones take
their first step onto the property ladder.
“The appointment of Mortgage Intelligence is another milestone for our growing intermediary
channel, enabling even more customers to get the M&S-standard they have come to know
and expect from the brand, when they make the most important purchase they’ll ever make –
their home.”
Sally Laker, managing director of Mortgage Intelligence added: “2019 promises to be an
innovative year for M&S Bank so naturally we are delighted to be adding them to our grownig
lender panel. It’s great to see such a recognisable and well respected brand making first time
buyers a cornerstone of its proposition, and I have no doubt that network members will find
M&S Bank a valuable addition.”
M&S Bank launched its first mortgage range last year offering a number of fixed and tracker
options available to home movers and customers looking to remortgage. It offers a first time
buyer range from 95% loan to value, and a 35-year maximum term, a free valuation and £1,000
cashback.
All M&S Bank Mortgages also enable up to four borrowers who will live in the property to take
out a mortgage together, ideal for a group of friends or siblings who want to realise their dream
of home ownership.
M&S Bank is working in partnership with Shelter, the housing and homeless charity. As part
of this, it will donate £25 to Shelter for every M&S Bank Mortgage purchased* across both its
direct and broker channels.
Notes to Editors:
* For each M&S Bank Mortgage product, £25 +VAT will be paid to Shelter Trading Limited which
donates its taxable profits to Shelter the National Campaign for Homeless People Limited (Registered
Charity Number 263710).
M&S Bank tracker mortgage customers can make unlimited overpayments and customers on M&S
Bank fixed rate mortgages can make overpayments of up to 10% of their outstanding balance each
year during the fixed rate period without incurring an early repayment charge. After their fixed rate
period ends, customers will revert to M&S Bank’s standard variable rate.
There are a fee and fee saver options on each mortgage product. ‘Fee saver’ means no booking fee,
no product fee and no completion fee. We will cover the cost of one standard valuation where this is
required by M&S Bank as part of your mortgage application. Other fees and charges may be payable
to other parties including, but not limited to legal fees and charges leveid by your existing lender.
Customers taking out the ‘with fee’ product options will pay a £995 product fee, £99 booking fee and a
£30 completion fee.
About M&S Bank
M&S Bank (the trading name of Marks & Spencer Financial Servcies plc) was founded in 1985 as the
financial services divsiion of Marks and Spencer plc. In November 2004, HSBC bought 100 per cent of
the share capital of Marks and Spencer Retail Financial Servcies Holdings Limited.
HSBC Holdings plc, the parent company of the HSBC Group, is headquartered in London. The Group
serves customers worldwide from around 3,900 offices in 67 countries and territories in Europe, Asia,
North and Latin America, and the Middle East and North Africa. With assets of US$2,652bn at 31 March
2018, HSBC is one of the world's largest banking and financial servcies organisations.
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https://bank.marksandspencer.com/exit-mands/consumer-credit-act/
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01/11/2024 00:55:38
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en
|
M&S Bank - You are leaving the site
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https://bank.marksandspencer.com/health-and-accessibility/illness/
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01/11/2024 00:55:36
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en
|
Short and Long term Illness Support | M&S Bank
|
# Short & long term illness support
We’re here to make sure that managing your money isn’t an added stress during these difficult times
# Managing your money during illness
We understand that being diagnosed with any illness affects many aspects of your life. We're here to try to make sure that managing your money isn't an added stress during these difficult times.
# What support is available?
- Help managing your money >
- Managing money with Dementia >
- M&S Banking App & Internet Banking >
# Help managing your money
Whilst we want everyone to have as much access to their banking as possible, there may be times when you need a little more support. We have a number of options available to support you and someone you trust help manage your finances for as long as you need.
Learn more about assisting someone with their money >
# Managing money with Dementia
We want our customers to be able to bank in the way that makes them feel most comfortable. Our ‘ Managing your money with dementia ’ guide provides helpful information on the ways that we can help people living with dementia, as well as those who support them.
If there’s anything you feel we could do to make banking with us in the future easier for you, take a look at our support needs below and get in touch if there’s something we could do to help.
# M&S Banking App and Internet Banking
Did you know that digital banking can work in a way that suits you? Especially when you make the most of what your computer, mobile or tablet has to offer through its accessibility settings.
Here’s some of the things you can do online with us that you might find useful:
- View your statements & pay your M&S Credit Card – now you can access your statements digitally as well as make payments towards your M&S Credit Card at anytime via our mobile banking app or Internet Banking
- Spend notifications – keep on top of your transactions by turning on spend notifications in our banking app, notifying you every time your M&S Credit Card is used to make a transaction
- View PIN – no need to worry about forgetting your PIN again because now you can view your PIN, anytime, in our mobile banking app
- Chat with us – all day, every day, at a time and in a way that suits you via our mobile banking app or Internet Banking. MOBI, our chat bot, will try to help you first, and if you need further assistance, MOBI will seamlessly transfer you to an agent who'll reply as soon as they're available
I want to learn more about:
Digital accessibility Mobile banking app Internet Banking
# Additional support
## Age UK
Providing services and support across the UK to inspire, enable and support older people.
## Alzheimer’s Society
Offering expert advice and guidance to support everyone affected by dementia.
## Macmillan Cancer Support
Providing anyone affected by cancer support and guidance, including support around money worries.
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https://bank.marksandspencer.com/pdf/PIPrivacyNotice.pdf
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01/11/2024 00:57:21
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en
|
M&S Pet Insurance - Privacy Notice
|
Who are the data controllers?
Royal & Sun Alliance Insurance plc (RSA) is the insurer of M&S Pet
Insurance. RSA collects and uses personal information about you so that
they can provide you with a policy that suits your insurance needs. Some
of this information may be collected directly from you and some may
be collected from other sources, including M&S Bank (a trading name
of Marks & Spencer Financial Services plc), for example, during the sale
of the policy. RSA (Bowling Mill, Dean Clough, Industrial Park, Halifax, HX3
5WA) is the data controller in respect of your personal information that
it has received from M&S Bank, as distributor, and also in respect of any
information that it has collected directly from you or from other sources
as set out in its Privacy Notice.
M&S Bank (a trading name of Marks & Spencer Financial Services plc),
Kings Meadow, Chester CH99 9FB, is responsible for the promotion and
distribution of your M&S Pet Insurance. M&S Bank will collect and use
personal information about you during the promotion and sale of the
product which may be provided by you but could also include information
that we have previously collected about you, e.g. any information held
about you as a banking customer. M&S Bank is the data controller for this
information which will be shared with RSA as set out in its Privacy Notice.
AN OVERVIEW OF HOW M&S BANK WILL COLLECT AND USE YOUR
INFORMATION
M&S Bank will share your personal information with RSA to enable RSA to
provide you with a quote, administer your policy and manage your claims.
If you make a claim, any information you give to us, or to RSA, may be put
in a register of claims database and it may be shared with other insurers to
prevent fraudulent claims.
Please read an overview of our Privacy Notice below. You can access
the full Privacy Notice at marksandspencer.com/bankprivacynotice or
by writing to: M&S Bank, Kings Meadow, Chester, CH99 9FB.
We’ll also explain your rights to your information. This is just an overview of
some key points. A full description is contained in the Privacy Notice which
you can obtain by visiting marksandspencer.com/bankprivacynotice or by
writing to: M&S Bank, Kings Meadow, Chester, CH99 9FB.
Who we are
When we say ‘we’, we mean M&S Bank who is the data controller for your
M&S Pet Insurance. The data controller is responsible for deciding how
your information is used and ensuring it is private and secure.
M&S Bank is a trading name of Marks & Spencer Financial Services plc.
Registered in England No. 1772585. Marks & Spencer Financial Services
plc is entered in the Financial Services Register. Registration No. 151427.
Authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority.
M&S Bank is part of the HSBC Group of companies.
The information we collect
We collect information about you from different places including:
You’re responsible for making sure you give us accurate and up-to-date
information. If you provide information for another person on your
account, you’ll need to tell them how to find the Privacy Notice and make
sure they agree to us using their information for the purposes set out in it.
• to offer you other services we believe may benefit you unless you ask
us not to.
We’ll only use your information where we’re allowed to by law e.g. carrying
out an agreement we have with you, fulfilling a legal obligation, because
we have a legitimate business interest or where you agree to it.
We may use automated systems to help us make credit decisions as well
as carrying out fraud and money laundering checks.
Who we can share your information with
M&S Bank will share your personal information with RSA to enable RSA to
provide you with a quote, administer your policy and manage your claims.
If you make a claim, any information you give to us, or to RSA, may be put
in a register of claims database and it may be shared with other insurers to
prevent fraudulent claims.
PET
# Overview
M&S Bank is a trading name of Marks & Spencer Financial Services plc. Registered in England No. 1772585. Marks & Spencer Financial Services plc is entered in the Financial
Services Register. Registration No. 151427 . Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation
Authority.
Marks and Spencer Unit Trust Management Limited. Registered in England No. 2253009. Marks and Spencer Unit Trust Management Limited is entered in the Financial Services
Register. Registration No. 141662. Authorised and regulated by the Financial Conduct Authority.
Marks and Spencer Savings and Investments Limited. Registered in England No. 2588424. Marks and Spencer Savings and Investments Limited is entered in the Financial
Services Register. Registration No. 155226. Authorised and regulated by the Financial Conduct Authority.
The registered office of the above companies is Kings Meadow, Chester CH99 9FB. The above companies are part of the HSBC Group. Marks & Spencer is a registered
trademark of Marks and Spencer plc and is used under licence. ©Marks & Spencer Financial Services plc 2018. All rights reserved.
ROYAL & SUN ALLIANCE (RSA) INSURANCE PLC PRIVACY NOTICE
Your privacy is important to us and we are committed to keeping it protected.
We have created this Customer Privacy Notice which will explain how we use
the information we collect about you and how you can exercise your data
protection rights. This Privacy Notice will help you understand the following:
Who are we?
We are Royal & Sun Alliance (RSA) Insurance plc. We provide commercial and
consumer insurance products and services under a number of brands. We
also provide insurance services in partnership with M&S Bank.
Why do we collect and use your personal information?
As an insurer, we need your personal information to understand the level
of insurance cover you require. We’ll use this information (e.g. your name,
address, telephone number and email address) to communicate with you
and, if you have agreed, to send you news and offers related to our products
and services.
We need to use your information to create a quote for you, allowing you to
buy insurance products from us. When buying a product from us, you’ll also
need to provide us with details about the items you wish to be covered by
the insurance (e.g. car make and model, your home). We may need to check
information you have submitted with external companies/organisations (e.g.
the DVLA, the Motor Insurance Database, credit reference agencies and
criminal conviction checks.) When buying certain products, sometimes we
will ask for special categories of personal data (e.g. driving offences for motor
insurance, medical records in case of injury).
Once you become a customer, we’ll need to take your payment details to set
up your cover. This could be direct debit, credit or debit card information. To
service your policy, we might contact you via our website, emails, telephone
calls or post. When using these services we might record additional
information, such as passwords, online identifiers and call recordings.
For some of our products, we may collect information through smart
sensors to assess your insurance needs (e.g. a black box installed in your
vehicle when you buy a telematics driving product, which collects and uses
geo-location and driving behaviour data). If you need to claim against your
insurance policy, we will need to collect information about the incident and
this may be shared with other selected companies to help process the claim.
If other people are involved in the incident, we may also need to collect
additional information about them which can include special categories of
personal data (e.g. injury and health data). In submitting an application to
us, you may provide us with equivalent or substantially similar information
relating to other proposed beneficiaries under the policy. You agree that
you will bring this Privacy Notice to the attention of each beneficiary at the
earliest possible opportunity.
Data protection laws require us to meet certain conditions before we are
allowed to use your personal information in the manner described in this
Privacy Notice. To use your personal information, we will rely on one or more
of the following grounds:
• Performance of contract: We need to use your personal information in
order to provide you with the policy (which is a contract of insurance
between you and us), and perform our obligations under it (such as making
payments to you in respect of a claim made under the policy).
• Consent: In certain circumstances, we may need your consent, unless
authorised by law, in order to use personal information about you which is
classed as “special categories of personal data”.
For marketing, you will always be given a choice over the use of your data.
• Necessity to establish, exercise or defend legal claim: If you, or we, bring
a legal claim (e.g. a court action) against the other, we may use your
information in either establishing our position, or defending ourselves in
relation to that legal claim.
• Compliance with a legal obligation: Where laws or regulations may require
us to use your personal information in certain ways.
• Legitimate interests: We will also process your personal information where
this processing is in our “legitimate interests”. When relying on this condition,
we are required to carry out a balancing test of our interests in using your
personal information (for example, carrying out market research), against
the interests you have as a citizen and the rights you have under data
protection laws. The outcome of this balancing test will determine whether
we can use your personal information in the ways described in this Privacy
Notice. We will always act reasonably and give full and proper consideration
to your interests in carrying out this balancing test.
Where else do we collect information about you?
Where possible, we’ll collect your personal information directly from you.
However, on occasion we may receive details about you from other people
or companies. For example, this might happen if:
• it was given to us by someone who applied for an insurance product on
your behalf (e.g. an insurance broker, a family member) where you have
given them the permission to do so; or
• it was supplied to us when you purchased an insurance product or service
that is provided by us in partnership with other companies; or
• it was lawfully collected from other sources (e.g. Motor Insurance Database,
Claims and Underwriting Exchange or fraud prevention databases) to
validate the information you have provided to us.
We request those third parties to comply with data protection laws and to
be transparent about any such disclosures. If you would like some further
information, please contact us.
Will we share your personal information with anyone else?
We do not disclose your information outside of RSA except:
• where we need to check the information you gave to us before we can offer
you an insurance product (e.g. reference agencies);
• where we are required or permitted to do so by law or relevant regulatory
authority (e.g. financial crime screening, fraud detection/prevention);
• where we provide insurance services in partnership with other companies
(e.g. building societies, large retailers);
• in the event that we are bought or we sell any business or assets, in which
case we will disclose your personal information to the prospective buyer of
such business or assets;
• as required to enforce or apply this Privacy Notice, or the contract of
insurance itself;
• within our group for administrative purposes;
• as required in order to give effect to contractual arrangements we have
in place with any insurance broker and/or intermediary through which you
have arranged this policy;
• with healthcare providers in the context of any relevant claim being made
against your policy;
• if we appoint a third party to process and settle claims under the policy on
our behalf, in which case we will make your personal information available
to them for the purposes of processing and settling such claims;
• with our third party service providers (including hosting/storage providers,
research agencies, technology suppliers etc.);
• with our reinsurers (and brokers of reinsurers) in connection with the
normal operation of our business.
Sometimes, your personal information may be sent to other parties outside
of the European Economic Area (EEA) in connection with the purposes set
out above. We will take all reasonable steps to ensure that your personal
information is treated securely and in accordance with this Privacy Notice,
and in doing so may rely on certain “transfer mechanisms” such as the
EU-US Privacy Shield, and the standard contractual clauses approved by the
European Commission. If you would like further information, please contact
us.
Which decisions made about you will be automated?
Before we can offer you an insurance product or service, we may need to
conduct the following activities, which involve automated (computer based)
decision-making:
• Pricing and underwriting – this process calculates the insurance risks based
on the information that you have supplied. This will be used to calculate
the premium you will have to pay.
• Credit referencing – using the information given, calculations are performed
to evaluate your credit rating. This rating will help us to evaluate your ability
to pay for the quoted products and services.
• Smart Sensor Data Analytics – an insurance product that collects your
information using smart sensors (e.g. in car black box) to calculate your
insurance risk (e.g. driving score). This may then be used to determine your
policy rewards (e.g. cash back for safe driving) and to calculate your policy
renewal premium.
• Automated claims – some small claims may qualify for automated
processing, which will check the information you provide, resulting in a
settlement or rejection of your claim.
The results of these automated decision-making processes may limit the
products and services we can offer you. If you do not agree with the result,
you have the right to request that we perform a manual reassessment using
the same information that you originally provided. If you wish to do so,
please contact us.
For how long will we keep your information?
Your personal information will be retained under one or more of the
following criteria:
• where the personal information is used to provide you with the correct
insurance cover, which will be kept as long as it is required to fulfil the
conditions of the insurance contract.
• where the use of your personal information for a specific purpose is based
on your consent, it will be kept for as long as we continue to have your
consent (e.g. we would stop contacting you for marketing purposes once
you have asked us to).
• where, for a limited period of time, we are using some of your information
to improve the products or services we provide.
• for as long as your information is required to allow us to conduct fraud and/
or criminal checks and investigations.
Will you be contacted for marketing purposes?
If you have agreed, we might contact you by post, email, phone and text
message to let you know about offers and services we think you’ll like.
The messages may be personalised using information you have previously
provided us.
You can ask us to stop contacting you for marketing purposes at any point.
We will only contact you for marketing purposes if we collected your
information directly, except when authorised and instructed by the third
party acting on your behalf.
We may use the information which we collect about you to show you relevant
advertising on third-party websites (e.g. Facebook, and Google). This could
involve showing you an advertising message where, through the use of
cookies, we know you have browsed our products and services. If you don’t
want to be shown targeted advertising messages from us, you can change
the advertising setting on some third-party sites and some browsers to
block our adverts.
Your information is incorrect, what should you do?
If you hold a product or service with us and think that the information we
hold about you is incorrect or incomplete, please contact us and we will be
happy to update it for you.
What are your rights over the information that is held by RSA?
We understand that your personal information is important to you, therefore
you may request the following from us:
1 To provide you with details about the personal information we hold about
you, as a well as a copy of the information itself in a commonly used
format [Request Ref: DSR 1]
2 Request your personal information be deleted where you believe it is no
longer required. Please note however, we may not be able to comply with
this request in full where, for example, you are still insured with us and the
information is required to fulfil the conditions of the insurance contract
[Request Ref: DSR 2]
3 Request the electronic version of the personal information you have
supplied to us, so it can be provided to another company. We would
provide the information in a commonly used electronic format [Request
Ref: DSR 3]
4 Request to restrict the use of your information by us, under the following
circumstances [Request Ref: DSR 4]:
a. If you believe that the information we hold about you is inaccurate, or;
b. If you believe that our processing activities are unlawful and you do not
want your information to be deleted.
c. Where we no longer need to use your information for the purposes
set out in this Privacy Notice, but it is required for the establishment,
exercise or defence of a legal claim.
d. Where you have made an objection to us (in accordance with section
5 below), pending the outcome of any assessment we make regarding
your objection.
5 Object to the processing of your data under the following circumstances
[Request Ref: DSR 5]:
a. Where we believe it is in the public interest to use your information in a
particular way, but you disagree.
b. Where we have told you we are using your data for our legitimate
business interests and you believe we shouldn’t be (e.g. you were in the
background of a promotional video but you did not agree to be in it.)
In each case under section 5 above, we will stop using your information
unless we can reasonably demonstrate legitimate grounds for continuing
to use it in the manner you are objecting to.
If you would like to request any of the above, please contact us and submit
a written request, including the request reference (e.g. DSR 1), as this will
speed up your request. To ensure that we do not disclose your personal
information to someone who is not entitled to it, when you are making the
request we may ask you to provide us with:
• Your name;
• Address(es);
• Date of birth;
• Any policy IDs or reference numbers that you have along with a copy of
your photo identification.
All requests are free of charge, although for requests for the provision
of personal information we hold about you (DSR1), we reserve the right
to charge a reasonable administrative fee where we believe an excessive
number of requests are being made. Wherever possible, we will respond
within one month from receipt of the request, but if we don’t, we will notify
you of anticipated timelines ahead of the one month deadline.
Please note that simply submitting a request doesn’t necessarily mean we
will be able to fulfil it in full on every occasion – we are sometimes bound by
law which can prevent us fulfilling some requests in their entirety, but when
this is the case we will explain this to you in our response.
Our Privacy Notice
If you have any queries regarding our Privacy Notice, please contact us
and we will be happy to discuss any query with you. Our Privacy Notice will
be updated from time to time, so please check it each time you submit
personal information to us or renew your insurance policy.
How you can contact us about this Privacy Notice?
If you have any questions or comments about this Privacy Notice, please
contact:
The Data Protection Officer
RSA
Bowling Mill
Dean Clough Industrial Park
Halifax
HX3 5WA
You may also email us at crt.halifax@uk.rsagroup.com.
How you can lodge a complaint?
If you wish to raise a complaint on how we have handled your personal
information, please send an email to crt.halifax@uk.rsagroup.com or write to
us using the address provided. Our Data Protection Officer will investigate
your complaint and will give you additional information about how it will be
handled. We aim to respond in a reasonable time, normally 30 days.
If you are not satisfied with our response or believe we are not processing
your personal information in compliance with UK Data Protection laws, you
may lodge a complaint to the Information Commissioner’s Office, whose
contact details are:
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
MSB8265-04/0518/WEB
M&S Bank is a trading name of Marks & Spencer Financial Services plc. Registered in England No. 1772585. Registered office: Kings Meadow, Chester, CH99 9FB.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Marks & Spencer
Financial Services plc is entered in the Financial Services Register under reference number 151427 . M&S Bank is part of the HSBC Group. Marks & Spencer is a
registered trademark of Marks and Spencer plc and is used under licence. © Marks & Spencer Financial Services plc 2018. All rights reserved.
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https://bank.marksandspencer.com/insurance/pet-insurance/lifetime-cover/
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01/11/2024 00:55:24
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en
|
Lifetime Cover | Pet Insurance | M&S Bank
|
# Lifetime cover
With lifetime cover you could claim for accidents and illnesses that happen while up to
your chosen vet fees limit each year.
Your offer is
loading…
M&S Pet Insurance is arranged, administered and underwritten by
Royal & Sun Alliance Insurance
Ltd (RSA).
# What is lifetime cover?
With lifetime cover See footnote
* you could claim for accidents and
illnesses that happen while insured, up
to
your chosen vet fees limit each year. If you renew your policy with no break in cover, your
chosen
vet fees limit each year will reinstate and you'll be able to continue to claim for accidents and
illnesses that require ongoing vet treatment as well as those that need one off or shorter
treatments. Once your vet fees limit has been reached you will not be able to claim again until the
policy is renewed and the vet fees limit is reset.
With Premier and Plus policies you could choose a total annual vet fees limit of £2,000, £3,000,
£5,000, £7,000 or £10,000.
Standard policies gives cover for vet fees of up to £1,000 for each accident or illness each year
up
to a total annual limit of £4,000.
# What is included with M&S Pet Insurance?
- 15% online discount See footnote
†
- Pay by monthly instalments - at no extra cost
- 10% multi-pet discount when insuring two or more pets on the same policy
- Protect your dog or cat from aged 8 weeks
- Access to vetfone™ - a Freephone 24 hour helpline
- M&S Pet Insurance gives you access to a range of services from information about local
pet
care providers to bereavement support
Still wondering whether pet insurance is worth shelling out for? Take a look at the most common
claims and their costings for cats and dogs.
# Important information
## Claiming on and renewing your policy
For claims for new conditions, you'll find RSA's editable form on the online servicing page for
you and your vet to complete.
Claims online servicing
As pets get older, sadly they're more likely to get ill. In fact, RSA's claims data shows
that the cost of looking after your pet's health doubles every four to five years. That's
why your renewal price increases each year and your excess will increase when your pet turns
nine. Unfortunately, once a pet has been taken ill, they're more likely to get ill again. That's
why, if a claim is paid, the price you will pay next year can double. How much they go up is
different for everyone and depends on things like your pet's breed, their age and health.
† Excludes renewals and amendments
to existing policies. As pets get older, sadly they're more likely to get ill. In fact, RSA claims
data shows that the cost of looking after your pet's health doubles every four to five years. That's
why your renewal price increases each year and your excess will increase when your pet turns nine.
Unfortunately, once a pet has been taken ill, they're more likely to get ill again. That's why, if a
claim if paid, the price you will pay next year can double. How much they go up is different for
everyone and depends on things like your pet's breed, their age and health.
* Whatever policy you
choose you
will not be able to claim for any changes in your pet's health or behaviour before a policy
is
started or in the first 14 days of cover or for death from illness after your pet's 9th
birthday.
Please note that if you change your level of cover at renewal, the maximum amount you can
claim may
change and you may no longer be covered for existing conditions.
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Glossary Of Power Of Attorney Jargon & Phrases | M&S Bank
|
# Glossary
## Access to Funds Scheme
This is an arrangement that will allow an individual, individuals or an organisation to access your funds to pay for your day-to-day living expenses and any debts due when you are no longer capable of accessing them yourself.
## Attorney
A person/people appointed to look after the finances/property and affairs/health and welfare of another person.
## Certified copy
A photocopy of a power of attorney document which bears a certificate signed by an authorised person (e.g. the donor, a solicitor, a notary public) at the end of each page to confirm that it is a true and complete copy of the original.
## Court of Protection Order
The Court of Protection protects the rights of people who do not have mental capacity. If a person (or donor) were to lose their mental capacity without having made, or being capable of making, a power of attorney arrangement, the Court of Protection can decide who can handle their affairs. A court order will set out what decisions the deputy (normally a family member or close friend) can make on their behalf (for example, it might say that decisions can only be made about the donor’s pension or mortgage).
## Deed of revocation
A formal document which may be used to cancel a power of attorney.
## Deputy
A deputy is appointed by the Court of Protection to handle the day-to-day running of a person's finances and property.
## Donor
An individual who wishes to give another person/people the authority to act or make decisions on their behalf.
## 'Jointly'
If there are multiple attorneys appointed, this means that all of the attorneys must act together at all times.
## 'Jointly and Severally'
If there are multiple attorneys appointed, this means that the attorneys can either act individually or together.
## Notary Public
A Notary Public (or notary) is a qualified lawyer, a member of the third and oldest branch of the legal profession in England and Wales. Notaries are appointed by the Court of Faculties of the Archbishop of Canterbury and are subject to regulation by the Master of the Faculties.
## Stockbroker
A stockbroker is a regulated professional individual, usually associated with a brokerage firm or broker-dealer, who buys and sells stocks and other securities for both retail and institutional clients through a stock exchange or over the counter in return for a fee or commission.
# Other ways we can help
Urgent help
Contacting us
FAQ
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https://bank.marksandspencer.com/travel/travel-money/currency-exchange-rates/
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01/11/2024 00:55:14
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Currency Converter | Currency Exchange Rates | M&S Bank
|
- Home
- M&S Travel Money
- Currency exchange rates
# Currency exchange rates
## Discover the exchange rate today
Use our currency convertor to check the current foreign currency exchange rate.
# Ways to buy foreign currency at M&S Bank
Planning a much needed holiday? Whether you are looking for a
skiing holiday in Japan ,
relaxing on the beaches across Europe or discovering the big cities of the USA ,
explore the exchange rate today and the different currency exchange options M&S Bank
have to offer.
# SameDay Click & Collect
If you order before 4pm, SameDay collection is available on 9 different
foreign currencies. You can also order and collect euros and US dollars from over
450 stores. *
# Click & Collect †
Collect over 40 foreign currencies from an M&S Bureau De Change that is
convenient to you. Click & Collect gives the best available M&S Bank rate on euro, US dollar
and Turkish lira. Order now to lock in the current rates.
# Visit one of our Bureaux
Use the M&S Bank Bureau Finder to find your nearest M&S Bureau de Change and opening hours.
# Learn more about the foreign currency you need
Find your destination, foreign currency and exchange rate today:
# Can't find the destination or currency you are looking for?
If you can't find your destination or currency, visit our travel money hub for our
full list of currencies and exchange rates.
# What factors influence exchange rates?
Ever wondered how exchange rates are calculated or what factors influence exchange rates?
Learn more about exchange rates with our useful article.
Learn more about
what factors influence exchange rates
# Benefits of currency exchange with M&S Bank
If you are planning a holiday abroad, we offer a number of benefits
when you buy your foreign currency from M&S Bank.
- Our stores are open 7 days a week **
- Buy holiday money online and collect from your local Bureau de Change
- Exchange any leftover currency when you return using our buy back service
Click and Collect currency
# Frequently asked questions
## How are exchange rates calculated?
The exchange rate is the amount of one currency you can buy with another. Foreign currency is traded around the world daily,
and it is these trades that will determine the exchange rates*
*Source: Bank of England. Visit Bank of England for more information.
## Why do currency exchange rates fluctuate?
Currency exchange rates continually fluctuate, depending on changes in the financial markets.
This fluctuation can be caused by different factors such as supply and demand or worldwide events.
# Have a question about
travel money or other travel products?
Ask our Virtual Assistant
Just ask
our virtual assistant
# Planning a trip? Get a travel insurance quote.
M&S Travel Insurance offers a choice of single or annual multi-trip policies. Learn more about travel insurance.
*Subject to availability. Currencies available for SameDay collection include; euro, USD, Turkish lira,
South African rand, Thai baht, New Zealand dollar, UAE dirham, Australian dollar and Canadian dollar.
† Next Day collection is subject to availability. Please confirm your collection date and location at the checkout.
**Subject to store opening hours
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M&S Bank - You are leaving the site
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M&S Bank - You are leaving the site
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01/11/2024 00:55:32
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Home Insurance | Energy Saving Tips | M&S Bank
|
- Home
- Insurance
- Home Insurance
- Energy Savings Ideas
# Home Energy Saving Ideas
## There are many ideas to help us all reduce how much energy we use and how much we spend on our energy bills. We all know we shouldn’t leave our appliances on standby but take a look at our list for some more energy saving ideas.
### SAVING ENERGY IN THE KITCHEN
- Cover your pots and pans- they’ll boil much quicker.
- Plan in advance – take food out of the freezer and allow it to thaw. Don’t use unnecessary energy defrosting in the microwave.
- Don’t keep opening the oven to check on your food – it lets the heat out and ovens have glass doors for a reason
- Keep your fridge and freezer at the right temperature; if you have a thermostat set your fridge to 3° and your freezer to -18°
- Defrost your freezer – the more it ices up the harder it has to work
- Replacing old appliances – choose an energy efficient model
### HEATING AND INSULATION
- Turn down the thermostat – lowering the temperature by just 1° can make a difference to energy bills and the energy you use
- Invest in thermal curtains or blinds – these help insulate against heat loss and keep the room looking warm and cosy
- Insulate your loft or roof space
- Draught proof your doors and windows – it’s a cheap and effective way to help keep warm this winter
### ENERGY EFFICIENT LIGHTING
- Switch to energy saving bulbs – they last longer than traditional bulbs
- Install a dimmer switch – these work really well with LED bulbs
- Remember to turn the lights off when you’re not using them
- Use sensors or timers on any external lights – that way they only come on when needed
### WATER SAVING
- Use the Eco cycle when using the dishwasher or washing machine
- Turn off the tap when brushing your teeth
- Make sure you fix that dripping tap
- Invest in a water saving shower head especially if you have a shower which draws hot water straight from the boiler or water tank
### AROUND THE HOUSE
- Dirt and dust can block up devices and appliances so clean them regularly
- Dust your lightbulbs – any dust can stop them working efficiently
- Vacuum the radiators – again any dust can stop the heat flow
- Dust the coils on your fridge freezer a few times a year
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M&S Bank - You are leaving the site
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01/11/2024 00:57:29
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20 OCTOBER 2021
M&S BANK REVEALS UK’S MOST MEMORABLE HOLIDAY HAPPENINGS
UK holidaymakers have revealed their most memorable holiday mishaps - including leaving
spending money at home, picking up the wrong luggage at the airport and travelling to the
wrong destination entirely.
A study of 2,000 adults, ahead of the October half-term holidays, found more than six in 10
holidaymakers have experienced some sort of unexpected moment while away. The research
revealed that common holiday mishaps include leaving an essential item at home, such as a
passport, forgetting to organise travel insurance, and turning up at the wrong accommodation.
Around a third (32 per cent) put these sticky situations down to being in too much of a rush
and one in five (20 per cent) didn’t check the required crucial information before travelling.
The M&S Bank study also found that holidaymakers will typically spend more than six hours
in total planning a break and almost all (93 per cent) think it’s important to plan a holiday in
advance, with almost a third booking a trip away more than six months in advance – however
despite their best efforts things don't always work out as hoped.
Paul Stokes, Head of Travel at M&S Bank, said: "As much as holidaymakers often spend time
planning to ensure things don’t go wrong when it comes to their holiday, our research suggests
that they often do, and perhaps more often than we expect.
“Whether going abroad or staycationing, a lot of time and energy is spent planning a holiday,
with many things to consider, from where people will be staying to ensuring they have the
correct currency and travel insurance in place.”
The research also reveals that no matter how much planning goes into a holiday, 45 per cent
of people always experience some kind of mishap.
These holiday mishaps have resulted in a third of people having to spend more money than
originally planned, 18 per cent having to claim on their insurance and a further 13 per cent
cutting their stay short.
And while 62 per cent stated that although not necessarily fun at the time, holiday mishaps
can be a humorous talking point after the event, that friends and family look back on fondly.
When it comes to planning a holiday, accommodation, checking passports are in date and
considering what the weather will be like are at the top of peoples lists, whereas travel
insurance, getting their currency, and how long it takes to get to their destination are things
people tend to forget.
Surprisingly, the study also revealed that up to one third of travellers have been on holiday
without travel insurance, with up to 42 per cent not considering it a necessity and another third
thinking they’d ever need to make a claim.
Paul continued: “With our research showing that nearly half of all holidaymakers always
experience a holiday mishap, ensuring you have adequate travel insurance in place, should
the worst happen, can help alleviate any worries, so more time can be spent enjoying that
well-earned break.
“To help make planning for holidays a little easier, we also provide a click and collect currency
service in store – so holidaymakers can pick up their holiday essentials at the same time as
their euros and dollars enabling multiple ticks off the holiday to-do-list in one stop.”
SOME OF THE MOST COMMON HOLIDAY MISHAPS
1. Forgetting an essential e.g. travel insurance, underwear, passport
2. Packing for specific weather conditions only for the weather to be the complete
opposite on arrival
3. Breaking something in the accommodation
4. Forgetting sun cream and getting badly sunburnt on the first day
5. Missing the motorway exit or another key turning and getting lost/delayed and missing
the flight/boat/train
6. Been bitten by a bug, requiring medical treatment
7. Falling ill after eating something, requiring medical care
8. Realising after getting off the plane something has been left onboard
9. Being stung by something e.g. a jellyfish or a bee, requiring medical treatment
10. Getting stuck in traffic on the way to the airport/ferry/train station and missing the
flight/boat/train
11. Breaking a bone or significantly injuring myself, requiring medical treatment
12. A taxi not turning up and missing the flight/boat/train
13. Forgetting a tent or sleeping equipment for a camping holiday
14. Having an allergic reaction, requiring medical treatment
15. Mixing up holiday destinations and arriving at the wrong destination/accommodation
16. Leaving spending money/currency at home
17. Booking the wrong accommodation/travel dates
18. Arriving at a destination to find my child has replaced the contents of my luggage with
toys
19. Falling into the pool and injuring myself
20. Losing a passport
About M&S Bank
M&S Bank (the trading name of Marks & Spencer Financial Services plc) 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. In November 2004, HSBC bought 100 per cent of the share
capital of Marks and Spencer Retail Financial Services Holdings Limited.
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.
M&S Bank offers a broad range of financial products, including the M&S Credit Card, and a
range of loans, savings and general insurance products, while its travel money offering boasts
one of the widest ranges of currencies available on the high street.
HSBC UK
HSBC UK serves around 15 million customers across the UK, supported by 26,000
colleagues. HSBC UK offers a complete range of retail banking and wealth management to
personal and private banking customers, as well as commercial banking for small to medium
businesses and large corporates.
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Contactless Payments - Contactless Debit Cards | M&S Bank
|
# Contactless payments
Our credit cards will work at contactless readers throughout the UK, allowing you to pay for low value items with a simple touch.
# It's fast
There is no need to enter your PIN or sign for everyday purchases
under £100. Simply touch the reader with your contactless card to pay in seconds.
# It's easy
No need to find cash and no hanging around at the till for change
or receipts unless you need one.
# It's secure
Contactless payments are safe and secure. You have the same
protection against fraudulent transactions as with the existing chip and PIN system. For
extra security you may occasionally be asked to enter your PIN.
# How to use it
## Step 1: look
Look for the contactless symbol when paying for items up to the value of £100.
## Step 2: touch
Touch your contactless card against the reader.
## Step 3: processing
A beep or green light shows your payment is being processed. For extra security you may
occasionally be asked to enter your pin or sign.
## Step 4: approved
Your payment is approved.
# Where to use it
Simply look for the contactless logo which can be found in many popular places, including M&S.
# Have you set up your Digital Wallet?
Simple and secure ways to pay using your mobile device
Find out more
# Frequently asked questions
## Can I set my own contactless transaction limit?
The £100 contactless limit on your M&S Credit Card cannot be changed. When attempting a contactless transaction, you may occasionally be asked to key in your PIN. This is for security purposes, enabling us to confirm that the card is being used by the cardholder.
## How does contactless work?
Simply hold your contactless card up to the retailer's contactless terminal and wait for a beep to
show that the card has been read successfully. The terminal can read the card thanks to a chip and
radio frequency antenna embedded in the card. The card details are transmitted wirelessly, meaning
you won't need to insert your card, enter a PIN code or sign anything. It's as easy as that!
## How close does my card need to be to the reader?
You should hold your contactless card within a few centimetres of the contactless terminal. If you
keep multiple cards in your wallet or purse, only one card will be read by the contactless reader.
The surest way to pay on the card you intend is to remove and hold it against the contactless
reader.
## How will I know I have a contactless card?
You'll know you have a contactless card if you can see the contactless 'ripple' symbol on the front
of your card.
## Will a contactless transaction be quicker?
Yes, it will be much quicker than a normal card transaction or cash payment. There's no need to
insert the card into the terminal and enter a PIN, and you'll never have to fumble around for the
right change.
## When will I get my contactless credit card?
If you are an existing customer, you'll receive your contactless card when your card is next renewed
or replaced (subject to eligibility).
If you'd like a contactless card straight away, simply call us on 0345 900 0900 to request one.
Lines are open 8am-8pm. Calls are recorded.
## Is there a limit on the number of contactless transactions I can do?
No, there's no limit on the number of transactions you can complete using contactless. You may
occasionally be asked to key in your PIN for security reasons to enable us to confirm that the card
is being used by the cardholder.
## Can I use my contactless card abroad?
Yes, you can use your contactless card abroad just like in the UK. Contactless transactions are
accepted where the contactless symbol is displayed.
The contactless transaction limit of £100 may vary depending on local limits (may be more or less).
Please note that all non-sterling transactions are subject to the Exchange Rate Adjustment (ERA), that
applies to M&S Bank Credit Cards.
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01/11/2024 00:55:35
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Help & Support | Life Events | M&S Bank
|
# Life events
We're here when you need us
# Bereavement
Get help sorting the finances of the one you have just lost
Find out more
# Assisting someone with their money
Helping someone look after their finances in the short or long term
Find out more
# Financial Support
If you're feeling the pinch, here are some steps you can take to save money or reduce
debt
and help to get things back under control
Find out more
# Unexpected change
Supporting customers through times of change
Find out more
Contact Us
Have a question about a Life
Event?
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01/11/2024 00:55:30
|
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Single Trip Travel Insurance | One Trip Insurance | M&S Bank
|
- Home
- Insurance
- Travel Insurance
- Single Trip Travel Insurance
# Single trip travel insurance
Whether it’s a weekend break, a family holiday or the trip of a lifetime, nothing should stop you enjoying your break.
Having the right single trip insurance can help banish that “what if” feeling that can spoil even the most magical of holidays.
Knowing you're covered should you suffer an accident or if something goes wrong can give you the peace of mind you need.
M&S Travel Insurance can help you prepare for your break with a single trip policy you can tailor to suit your needs. But is single trip the right insurance for you? Keep reading to find out here.
Get a quote
Retrieve a quote
M&S Travel Insurance is underwritten by Aviva Insurance Limited.
## What is single trip travel insurance?
Single trip travel insurance policies provide cover for one holiday or trip abroad. A popular type of travel insurance for holiday-makers, the majority of all travel policies sold are for single trips. Most policies cover a variety of eventualities, including illness and injury, cancelling or coming home early.
## Is single trip travel insurance right for me?
If you're planning a one-off holiday or business trip, a single trip travel insurance policy is likely to be your best option as they are typically cheaper than annual insurance policies. Single trip insurance policies are purchased based on where you're going and what you plan on doing, providing you with cover that meets your needs.
Even if you're travelling a couple of times per year, taking out a single trip travel insurance policy for each holiday you're planning may still work out to be a cheaper option than annual travel insurance (also called multi-trip travel insurance) which provides cover for multiple trips in a 12 month period.
However, if you plan to go abroad several times in a year, it's worth looking into multi-trip travel insurance . Just check that all the countries you plan to visit are covered by the policy – and that you're still insured if one of your trips is doing something adventurous like skiing, for example.
## What is covered by single trip travel insurance with M&S Bank?
We all want to do different things on holiday and, on top of this, we all have different budgets. That's why M&S Bank offers flexible insurance policies that can be tailored to the needs of your trip – and your wallet.
The main benefits of our policy include:
### Medical cover
M&S Bank single trip travel insurance can cover the cost of care incurred by unforeseen injuries and illnesses for up to £10 million. You're also covered for a variety of sports and activities. What's more, if you need to stay in hospital while on holiday, M&S Bank pays you up to £20 a day to help keep you comfortable. That's a lot of grapes.
### Travel disruption cover
If you miss your flight or your transport is delayed due to bad weather, strikes or even volcanic ash, travel disruption cover helps get you to your destination. We’ll also provide cover if your accommodation is made uninhabitable and you need to move to a different hotel.
### Legal expenses and personal liability
If you're unlucky enough to suffer an illness or injury while travelling, as a result of someone else's actions, M&S Bank will cover legal costs up to £25,000. On the flip side, we can provide personal liability cover of up to £2,000,000 to cover costs should you accidentally injure someone or damage their property.
### Other optional extras
With a single trip policy from M&S Bank, optional extras are available to help tailor your policy to meet your needs. From cover for your belongings to winter sports cover.
## Looking for a quote?
Getting a single trip travel insurance quote is quick and easy; we only need a few details, and you can apply straightaway.
Get a quote
for M&S Travel Insurance
M&S Travel Insurance is underwritten by Aviva Insurance Limited. No age limit for single trip travel insurance.
# You may also want to
Find out more about multi-trip travel insurance
View exchange rates for M&S Travel Money
Get a car insurance quote
Get a pet insurance quote
Get a home insurance quote
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01/11/2024 00:55:33
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Digital Wallet – Use a Device To Make Payments | M&S Bank
|
# Digital Wallet
A simple, secure and convenient way to pay without the need for your physical card or PIN while collecting M&S rewards points
# How does it work?
Use any compatible Apple, Google or Samsung device with a digital wallet in place of your physical card. It’s simple, secure and always with you.
You simply add your M&S Credit Card to your digital wallet and you can then make contactless payments in person, in apps and online without the need for your physical card or PIN. You’ll still be able to collect M&S rewards points when you spend using your card in your digital wallet.
# Apple Pay
Find out how to set up and use Apple Pay
# Google Pay
Find out how to set up and use Google Pay
# Samsung Pay
Find out how to set up and use Samsung Pay
Apple, the Apple logo, Apple Pay, Apple Watch, iPhone, iPad, Mac, Safari, Face ID, Touch ID and iSight are trademarks of Apple Inc., registered in the US and other countries and regions. iOS is a trademark of Cisco and used by Apple under licence.
Google Pay is a trademark of Google LLC. Android, Google Pay, and the Google Logo are trademarks of Google LLC.
Samsung and Samsung Pay are trade marks or registered trade marks of Samsung Electronics Co, Ltd. Use only in accordance with the law. Samsung Pay is available on select Samsung devices.
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01/11/2024 00:55:03
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How to Register For Digital Banking | M&S Bank
|
# Explore digital banking
Access your accounts safely and securely at your convenience.
Follow our step-by-step guide to set yourself up
Our Digital Security
Promise
We want our customers to feel safe and secure when using our
online
digital banking services
Learn
more
Have a question about our
banking
services?
# 1. Register
To get started you'll firstly need to register for Internet Banking to set up your username
and password. To register, you have to be the main account holder – this means it's your
name that appears on your statements.
## What will I need to register?
If you have an M&S Credit Card you'll need:
- Your M&S Credit Card
- Your credit limit - you'll find this on a recent statement or on the letter that
was sent with your M&S Credit Card
- Your email address
If you have an Everyday Savings Account you'll need:
- Your account number and sort code
- Your telephone security number – this may have been set up if you applied over
the phone or in
branch, if not call 03456
005860 * . Lines are
open 8am-8pm. Calls are recorded.
- Your email address
Register
now
# 2. Download the M&S Banking App
To download on the App Store, click here Download on the AppStore
Link
To download on Google Play, click here Get it on Google Play link
## What if I don't have a compatible device?
To download our app:
- On your mobile or tablet, click on whichever logo you need to go straight to our app
in your app
store
- Alternatively, go to the App Store if using an Apple device or Google Play if using
an
Android
device and search for 'M&S Banking App'
- Once there, tap 'Get' or 'Install' to download the app
The M&S Banking App includes a 'Digital M&S PASS', which generates the unique
security
codes
that you'll need to access Internet Banking.
To download the M&S Banking App you need to make sure you have a compatible device. Find out which devices the M&S Banking App is compatible
with . We recommend you also use the most up to date operating system your device can
support.
If you don't have a compatible device you can still use digital banking through our
Internet
Banking service. Simply register for Internet Banking, and when prompted, order a
'physical M&S
PASS'. This is a small calculator-like device, sent to you in the post, that generates
the
security codes you'll need to access Internet Banking. This can take up to 7 working
days to
arrive and you will not be able to access Internet Banking until you have received it.
Find
out more about a physical M&S PASS
# 3. Set up the M&S Banking App
Once downloaded, to set up the M&S Banking App, please ensure
that:
- You're registered for Internet Banking as you'll need your Internet Banking username
and password (Not registered? Complete
this step now)
- We have a mobile phone number for you – as you'll be sent an activation code by text
message.
Then simply follow the steps in the app to get set up.
If you have a physical M&S PASS, you can choose to use this to generate an
activation
code instead of entering
your Internet Banking password and receiving a text message. Once the app is set up,
the physical M&S PASS will
no longer work.
Using a physical M&S
PASS?
Find out how to set it up
# All done! You’re ready to sign in.
That’s it! You’re now set up to use our digital banking services. You can manage your day to day
banking in the palm of your hand using our M&S Banking App or within Internet Banking.
Sign in to Internet Banking
Find out
how to use
your M&S PASS to sign in
# Important documents
Digital banking terms (PDF document)(opens in
a new
window)
You may require Adobe PDF reader to view PDF documents. Download
Adobe Reader (opens in a new window)
* Calls are
recorded. Apple and the Apple logo are trademarks of Apple Inc.,
registered in the US and other countries and regions. App Store is a service mark of Apple Inc. iOS is a
trademark of Cisco and used by Apple under licence. Android, Google Play and the Google Play logo are
trademarks of Google LLC. Android, Google Play and the Google Play logo are trademarks of Google LLC.
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Legal Information On M&S Bank Products | M&S Bank
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# Legal information
## Cards
### Credit card
Credit available subject to status to UK residents aged 18 or over.
M&S Credit Card terms and conditions
M&S Credit Card summary box
Your guide to credit scoring
Your rights when making payments in Europe
M&S Bank Privacy Notice
You may require Adobe PDF reader to view PDF documents. Download Adobe Reader (opens in a new window)
# Loans
## Personal loans
To apply for an M&S Loan, you must have an annual income of at least £10,000, be a UK resident
and be aged 18 or over.
Your guide to credit scoring
M&S Bank Privacy Notice
You may require Adobe PDF reader to view PDF documents. Download Adobe Reader (opens in a new window)
# Travel
## Travel Money
M&S Travel Money Online Terms and Conditions
You may require Adobe PDF reader to view PDF documents. Download Adobe Reader (opens in a new window)
# Insurance
## Important Information
### Home insurance
#### Whose products are offered?
Only M&S Home Insurance which is underwritten by Aviva Insurance
Limited.
#### What service is provided?
You will not receive any advice or recommendation about M&S Home Insurance. You will need to make
your own choice about how to proceed.
#### Who are we regulated by?
M&S Insurance is a trading name of Marks & Spencer Financial Services plc (Kings Meadow, Chester,
CH99 9FB) who are authorised by the Prudential Regulatory Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority. Our Financial Services registration
number is 151427.
Aviva Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Aviva Insurance Limited
registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Their Financial
Services Registration number is 202153.
You can check details for both companies on the Financial Services Register by visiting the website
at www.fca.org.uk/register or by contacting the
Financial Conduct Authority on 0800 111 6768 (freephone) or 0300 500 8082 .
#### What to do if you have a complaint?
If you have a complaint, it should be addressed to the Customer Care team.
For policies beginning 830, please call 0800
121 4070 , write to Head of Customer Care, M&S Home Insurance, Civic Drive, Ipswich IP1 2AN
or email: customercare@axa-insurance.co.uk.
Please provide your policy number or claim number in any correspondence. If you are not satisfied you
can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect
your right to take legal action. Full details of the complaints process is available in the Policy
Wording.
#### Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to
compensation from the scheme in the unlikely event we cannot meet our obligations to you. This
depends on the type of insurance and the circumstances of the claim. Further information about the
compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 10th Floor, Beaufort House, 15 St Botolph Street,
London, EC3A 7QU.
Get a quote for M&S Home Insurance
#### Important Documents
M&S Home Insurance
Product Information Document (opens in a new window)
M&S Home Insurance
policy booklet (opens in a new window)
M&S Home Insurance
summary of cover limits (opens in a new window)
M&S Home
Insurance privacy notice (opens in a new window)
M&S Home Insurance – about our insurance services
You may require Adobe PDF reader to view PDF documents. Download Adobe Reader (opens in a new window)
For policies beginning MHO, please call 0800 015
7760 or write to Head of Customer Relations, M&S Home Insurance, PO Box 7463, Perth, PH2 0YX.
Calls are recorded.
### Car insurance
#### Whose products are offered?
Only M&S Car Insurance administered by BISL Limited. BISL Limited acting as an
insurance intermediary who provide insurance products from a range of insurers.
#### What service is provided?
You will not receive any advice or recommendation about M&S Car Insurance. You will
need to make your own choice about how to proceed.
#### Who are we regulated by?
M&S Insurance is a trading name of Marks & Spencer Financial Services plc (Kings
Meadow, Chester, CH99 9FB) who are authorised by the Prudential Regulatory Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Our Financial Services registration number is 151427.
BISL Limited are authorised and regulated by the Financial Conduct Authority. Registered
in England and Wales No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton
Southgate, Peterborough PE2 6YS. Their Financial Services registration number is 308896.
You can check details for both companies on the Financial Services Register by visiting
the website at www.fca.org.uk/register or by
contacting the Financial Conduct Authority on 0800 111 6768 (freephone) or 0300 500 8082 .
#### What to do if you have a complaint
If you wish to make a complaint, please contact us, by phone on 0344 858 6877 , or in writing to Service Quality &
Assessment Manager, Fusion House, Bretton Way, Peterborough, PE3 8BG.
For full details of our complaints handling process please see the section marked 'Our
Service Commitment' in your main policy documentation.
We are a member of the Financial Ombudsman Service. If you have complained to us and we
have been unable to resolve your complaint, you may then be entitled to refer it to this
independent body.
#### Important documents
M&S Car Insurance
privacy notice
#### Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled
to compensation from the scheme in the unlikely event we cannot meet our obligations to
you. This depends on the type of insurance and the circumstances of the claim. Further
information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 10th Floor,
Beaufort House, 15 St Botolph Street, London, EC3A 7QU.
### Travel insurance
Visit our dedicated page to find the latest
M&S Travel Insurance Covid-19 information and FAQs
#### Whose products are offered?
Only M&S Travel Insurance which is underwritten by Aviva
Insurance Limited.
#### What service is provided?
You will not receive any advice or recommendation about M&S Travel Insurance. You
will need to make your own choice about how to proceed.
#### Who are we regulated by?
M&S Insurance is a trading name of Marks & Spencer Financial Services plc (Kings
Meadow, Chester, CH99 9FB) who are authorised by the Prudential Regulatory Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Our Financial Services registration number is 151427.
Aviva Insurance Limited is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Aviva Insurance Limited registered in Scotland, No. 2116. Registered Office: Pitheavlis,
Perth PH2 0NH. Their Financial Services Registration number is 202153.
You can check details for both companies on the Financial Services Register by visiting
the website at www.fca.org.uk/register or by
contacting the Financial Conduct Authority on 0800 111 6768 (freephone) or 0300 500 8082 .
#### What to do if you have a complaint
If you have a complaint, it should be addressed to the Customer Services team on 0800 056 3394 . Alternatively
you may write to M&S Travel Insurance Customer Care Team, Customer Service Centre,
PO Box 7463, Perth, PH2 0YZ.
Please provide your policy number or claim number in any correspondence.
If you are not satisfied, you can approach The Financial Ombudsman Service. Referral to
the Financial Ombudsman will not affect your right to take legal action. Full details of
the complaints process is available in the Policy Wording.
#### Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled
to compensation from the scheme in the unlikely event we cannot meet our obligations to
you. This depends on the type of insurance and the circumstances of the claim. Further
information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 10th Floor,
Beaufort House, 15 St Botolph Street, London, EC3A 7QU.
M&S Travel Insurance Product Information Document
M&S Travel Insurance Policy Booklet
M&S Travel Insurance Important Information
M&S Travel Insurance Summary of Cover limits
M&S Travel Insurance privacy notice
M&S
Travel Insurance - about our insurance services
You may require Adobe PDF reader to view PDF documents. Download Adobe Reader (opens in a new window)
### Life insurance
#### Who offered the Life Insurance Product?
We previously offered Life Insurance through HSBC Life (UK) Limited who continue to administer and provide the product and are responsible for all communication with you.
#### What service is provided?
You will not receive any advice or recommendation about M&S Life Insurance. You will need to make your own choice about how to proceed.
#### Who are we regulated by?
M&S Bank is a trading name of Marks & Spencer Financial Services plc (Kings Meadow, Chester, CH99 9FB) who are authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services registration number is 151427.
HSBC Life (UK) Limited administer and provide M&S Life Insurance, and are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority . HSBC Life's firm reference number is 133435.
You can check details for both companies on the Financial Services Register or by contacting the Financial Conduct Authority on 0800 111 6768 (Freephone) or 0300 500 8082 .
M&S Bank promoted the product and introduced you to HSBC Life (UK) Limited, and received commission from HSBC Life for introducing you if you purchased an M&S Life Insurance policy.
#### Ownership
HSBC Life (UK) Limited is a wholly owned subsidiary of HSBC Bank plc. Marks & Spencer Financial Services plc and HSBC Bank plc are members of the HSBC Group, the ultimate parent company of which is HSBC Holdings plc. HSBC Holdings plc legally and beneficially holds 100% of both the shares and voting power of HSBC Bank plc.
#### What to do if you have a complaint
We always endeavour to resolve any concerns fairly and quickly.
If you are dissatisfied with any aspect of the product marketing or information provided on this website, please let us know. You can find information on how to raise a complaint with us on our Complaints page .
If you have a complaint about the sale of your policy or any aspect of servicing or claims on your policy, you may write to HSBC Life (UK) Limited at the following address:
M&S Life Insurance Complaints
C/O HSBC Life (UK) Limited
PO Box 1053
St Albans
AL1 9QG
or email support@lifeinsurance.mandsbank.com
or call the M&S Life Insurance helpline on 0333 207 4240 (business hours are 9am-5.30pm Monday to Friday (excluding public holidays).
To help continually improve services and in the interests of security, your calls and communications may be monitored or recorded.
If you are not satisfied with the response HSBC Life provide, you can complain to the Financial Ombudsman Service .
The Financial Ombudsman can be contacted by calling 0800 023 4567 or in writing to:
The Financial Ombudsman Service
Exchange Tower
London
E14 9SR.
#### Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website or by writing to FSCS, PO Box 300, Mitcheldean, GL17 1DY.
M&S Life Insurance Policy Booklet
M&S Life Insurance Policy Summary
M&S Life Insurance Privacy Notice
M&S Life Insurance - About our insurance services
You may require Adobe PDF reader to view PDF documents. Download
Adobe Reader (opens in a new window)
### Pet insurance
#### Whose products are offered?
Only M&S Pet Insurance which is underwritten by Royal &
Sun Alliance Insurance Ltd.
#### What service is provided?
You will not receive any advice or recommendation about M&S Pet Insurance. You will
need to make your own choice about how to proceed.
#### Who are we regulated by?
M&S Insurance is a trading name of Marks & Spencer Financial Services plc (Kings
Meadow, Chester, CH99 9FB) who are authorised by the Prudential Regulatory Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Our Financial Services registration number is 151427.
Royal & Sun Alliance Insurance Ltd is authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and the Prudential Regulation
Authority. Royal & Sun Alliance Insurance Ltd registered in England and Wales No.93792.
Registered Office: St Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL. Their
Financial Services registration number is 202323.
You can check details for both companies on the Financial Services Register by visiting
the website at www.fca.org.uk/register or by
contacting the Financial Conduct Authority on 0800 111 6768 (freephone) or 0300 500 8082 .
#### What to do if you have a complaint
If you have a complaint you can contact us on 0800 980 8740 . Alternatively you may write to us at
M&S Pet Insurance, PO Box 15768, Birmingham, B2 2NZ.
Full details of addresses and contact numbers can be found within the Policy Wording.
Please provide your policy number or claim number in any correspondence.
We are a member of the Financial Ombudsman Service. If you have complained to us and we
have been unable to resolve your complaint, you may then be entitled to refer it to the
Financial Ombudsman Service.
Making a complaint will not prejudice your right to take legal proceedings.
#### Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled
to compensation from the scheme in the unlikely event we cannot meet our obligations to
you. This depends on the type of insurance and the circumstances of the claim. Further
information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 10th Floor,
Beaufort House, 15 St Botolph Street, London, EC3A 7QU.
Get a quote for M&S Pet Insurance
#### Important Documents
M&S Pet Insurance
Policy Booklet
M&S Pet Insurance
privacy notice
M&S Pet Insurance Important
information
M&S Pet Insurance Premier product
information document
M&S Pet Insurance Standard product
information document
M&S Pet Insurance Essential
product information document
You may require Adobe PDF reader to view PDF documents. Download Adobe Reader (opens in a new window)
# Save & Invest
## Savings
### Important documents
Everyday Savings Account Terms and Conditions
M&S Cash ISA Summary Box
M&S Cash ISA Terms and Conditions
Fixed Rate Savings Summary Box
Fixed Rate Savings Terms and Conditions
M&S Cash ISA Key Features
M&S Everyday Savings Account Summary Box
Your rights when making payments in Europe
M&S Bank Privacy Notice
You may require Adobe PDF reader to view PDF documents. Download Adobe Reader (opens in a new window)
### We subscribe to the following codes of conduct and guidance:
The Code of Conduct for the Advertising
of Interest Bearing Accounts
Cash ISA Transfer Guidelines
Industry Guidance for FCA Banking Conduct
of Business Sourcebook
## Marks and Spencer Unit Trust Funds
M&S Savings and Investments is a trading name of Marks and Spencer Unit Trust Management
Limited. Registered in England No. 2253009. Registered office: Kings Meadow, Chester CH99 9FB.
Authorised and regulated by the Financial Conduct Authority. A wholly owned subsidiary of HSBC
Bank plc. Marks & Spencer is a registered trademark of Marks and Spencer plc and is used under
licence. © Marks and Spencer Unit Trust Management Limited 2013. All rights reserved. Marks and
Spencer Unit Trust Management Limited is entered in the Financial Services Register.
Registration No.141662.
As with any investment where the underlying investments are shares and bonds, the price of units
and the income from them can go down as well as up, and you may get back less than the amount
originally invested. Investment in the Fund should be considered a medium to long term
investment (5 years or more).
Past performance is no guarantee of future performance.
The performance of the Fund will depend on the investments selected by the fund advisers.
If you apply to invest in the Fund following investment advice, you will have the right to cancel
your application. If you exercise the right to cancel, the amount returned may be less than the
amount you invested if there has been a downward movement in the stock market from the date of
investment to the date your instruction to cancel was received.
Inflation will reduce what you could buy in the future.
The regulatory and taxation regime under which the Fund operates may change in the future.
### Worldwide Managed Fund
The fund invests in bonds and shares. Share and bond prices go up or down, meaning you may get
back less than you invested.
As part of the Fund is invested overseas the value of your investment may be affected by changes
in currency exchange rates.
Changes in interest rates may affect the value of the bonds held in the Fund. If interest rates
go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.
A small part of the Fund may invest in emerging markets. This may involve greater risk in buying
and selling investments, settlement arrangements and the safekeeping of the investments held.
### UK Selection Portfolio
The fund invests in bonds and shares. Share and bond prices go up or down, meaning you may get
back less than you invested.
The Fund will hold investments in smaller companies where the share prices can change
significantly, and the shares can be difficult to buy and sell.
As the Fund may invest in bonds, changes in interest rates may affect the value of any bonds held
in the Fund.
If interest rates go up, the value of bonds may fall. If interest rates go down, the value of
bonds may rise.
### UK100 Companies Fund
The Fund invests in shares. Share prices go up or down, meaning you may get back less than you
invested.
Although your investment is spread across the 100 companies that make up the FTSE ® 100 Index, some companies and/or sectors can grow so large that they make up a large percentage
of the index which increases risk.
The Fund will not track the FTSE ® 100 Index exactly. In other words there will be
a difference between the performance of the Fund and the FTSE ® 100 Index.
### High Income Fund
The fund invests in bonds. Bond prices go up or down, meaning you may get back less than you
invested.
Changes in interest rates may affect the value of the bonds held in the Fund. If interest rates
go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.
As part of the Fund is invested overseas the value of your investment may be affected by changes
in currency exchange rates.
Part of the Fund may invest in emerging markets. This may involve greater risk in buying and
selling investments, settlement arrangements and the safekeeping of the investments held.
The annual management charge is deducted from capital. This may reduce the potential for growth
and there may be times when the charge is greater than the growth of the Fund.
### Important documents
Stocks and Shares ISA Terms and Conditions
High Income Fund Prospectus
Key Investor Information Document – High Income Fund – Accumulation
Key Investor Information Document – High Income Fund – Income
Worldwide Managed Fund Prospectus
Key Investor Information Document – Worldwide Managed Fund – Accumulation
Key Investor Information Document – Worldwide Managed Fund – Income
UK 100 Companies Fund Prospectus
Key Investor Information Document – UK 100 Companies Fund – Accumulation
Key Investor Information Document – UK 100 Companies Fund – Income
UK Selection Portfolio Prospectus
Key Investor Information Document – UK Selection Portfolio – Accumulation
Key Investor Information Document – UK Selection Portfolio – Income
Supplementary Information Document
M&S Unit Trust Funds - our target market
You may require Adobe PDF reader to view PDF documents. Download Adobe Reader (opens in a new window)
### Acknowledgements
FTSE ® is a trademark of the London Stock Exchange plc and The Financial Times
Limited and is used by FTSE ® International Limited (FTSE ® ) under
licence. The FTSE ® indices are calculated by FTSE ® and all rights
in and to these indices vest in FTSE ® and its licensors. FTSE ® does not sponsor, endorse or promote our products.
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Where To Find Winter Sun | M&S Bank
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- Home
- M&S Travel Money
- Winter sun
# Best places for winter sun
For some, there’s nothing better than cosy winters at home. For others, these colder months call for
a much-needed break away from home.
Discover our top destinations for winter sun, in Europe and beyond:
## December sun holidays
### The Maldives
Popular for being the Indian Ocean’s honeymoon spot, the Maldives offers plenty of sunshine all
year round. With white sand beaches and clear blue water, it’s the perfect spot for relaxation
with an average temperature of 27C in December.
### Dubai, United Arab Emirates
With temperatures hitting up to 40C in summer, Dubai is an ideal winter sun destination, especially
if you want to avoid feeling too hot.
Temperature averages around 19/20C, allowing you to explore the glamorous Middle Eastern city. While
you’re there, don’t forget to make your way up the record-breaking Burj Khalifa.
Want to visit a Christmas market? Find out more about the top Christmas markets to visit.
## January sun holidays
### Soufrière, Saint Lucia
Explore romantic coves, hike along a rainforest-covered volcanic cone and enjoy good food in the
southwest of Saint Lucia.
Rainfall is low and temperatures can reach up to 29C in January but you’re likely to experience
a cool breeze, which can provide relief if you’re planning on being outdoors all day.
### Bali, Indonesia
Treat yourself to a luxurious stay in the stunning deep green jungle of Bali.
This charming island has beautiful beaches and classy spas. The flight time is around 16.5 hours from
London, but you’ll be greeted with temperatures of 27C upon arrival. You’re also likely
to see rain during January, but it won’t dampen your day.
## February sun holidays
### Belize, Central Americas
Say goodbye to a gloomy February in the UK and make your way to the small and diverse nation of
Belize.
Explore historic Mayan ruins, walk along national parks and scuba-dive in the Belize Barrier Reef.
There’s low chance of rain in February and temperatures can reach 30C.
### Miami, United States
Eager to visit the US? In February, Miami is the ideal location for warm weather, beach days, and a
fun atmosphere.
Experience an average temperature of over 20C and hit world-famous nightclubs at night.
## Winter sun in Europe
Looking for sun a little closer to home? You don’t need to travel the world searching for
winter sun. The small island of Gozo in Malta, Spain’s picturesque Cabo de Gata desert, or the
historic location of Southern Cyprus are just a few places in Europe where you can also find
sunshine.
Or, for a sunny city break, why not tick some European capitals off your list? Athens in Greece,
Palermo capital of Sicily and Ankara in Turkey all offer some lovely mild-warm winter breaks.
Once you’ve decided on a winter sun destination, don’t forget you can buy travel money at M&S Bank .
Published November 2022
# Planning a skiing trip?
Thinking about a skiing holiday in Europe, North America or Asia? Use our guide to help you
with your trip.
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- Home
- M&S Travel Money
- M&S Holiday Planning
# Planning a trip abroad?
If it is time on the beach or a city break, learn how planning ahead can make your trip as
perfect as it can be!
# Travel Planning
Planning a relaxing break abroad soon? For many of us, it will be our first trip overseas with our partners, friends and family for a long time.
The key to that perfect break is preparation, avoiding any nasty surprises by planning ahead. Check
out our handy refresher below of what to look out for when travelling to Europe and beyond.
# Your Holiday Checklist
## As soon as you book
Once you've booked your holiday, make sure to take out travel insurance to cover any travel
disruption.
## 1 week before
Order your Travel Money online and collect from selected
stores with your holiday essentials.
## 3 days before
Some airlines might have changed their baggage allowance rules since you last went abroad. Check this
on
their website.
# Holiday Saving Tips
- Get familiar with the exchange rate ahead of travelling and download a currency converter on your smartphone. A quick on-the-go conversion can help protect you against being over-charged and will also help you identify ‘tourist traps’.
- Take a look at comparison sites.
- Book your travel insurance when you book your flight, so you’re protected if certain things prevent you from going away.
- If you want to check a bag, save money by comparing baggage fees like you would for ticket prices before you book.
- Buy a week-long pass for public transport as this will help save some pennies.
# Travel Money
We can help you get your euros or US dollars sorted before you fly, leaving you with one less thing to worry about. Order online and collect next day in selected stores when you Click & Collect .
Available from over
450
stores. Order any amount between £150 to £2,500.
# Travel Insurance
Enjoy peace of mind when abroad with our travel insurance packages * , which offer a choice of single or annual multi-trip policies. All include travel disruption cover and protection against your transport or accommodation provider going insolvent.
# Cover in relation to Covid-19
Our travel insurance policies cover you if...
- You are prevented from travelling because you are testing positive for Covid-19
- You are advised to self-isolate, which prevents you from travelling
- You are prevented from travelling due to local lockdown restrictions in the UK
Check out our frequently asked questions and get a quote here .
# M&S Holiday Shop
Looking for those last-minute essentials? Our holiday shop has everything from
womenswear to
menswear, beauty products to beach towels and loads more. Oh, and don't forget the suncream !
# Take a look at advice from our colleagues...
"My top tip, if you don't live too far from the airport, is to check if you can use the twilight
check-in service. You take your luggage and check it in the evening before you're flying and then in
the
morning you go straight through security, by-passing the bag drop queues. Just make sure you check
in
online in advance." - Joanna, Customer Solutions
"Pack light – especially on the shoes front. Take one casual pair and one more sparkly pair of flip
flops or sandals that will finish off any outfit. I also always make sure that I've ordered my
travel
money plenty of time in advance - from M&S Bank of course - as I love the fact that I can use
our
buy
back service if I have any travel money left over at the end." - Mandy, IT
Grab more travel tips here
* M&S Travel Insurance is underwritten by Aviva
Insurance Limited. Annual multi-trip age limit of under
80, with no age limit for single trip policies.
M&S Travel Insurance is not available to customers who live in the Channel
Islands
or Isle of Man
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Buy Canadian dollars | Pound to Canadian dollars | M&S Bank
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# Why buy Canadian dollars from M&S Bank?
It's easy to get caught up in the excitement of going to Canada - from admiring breath-taking mountain landscapes to exploring the
bustling cities of Vancouver and Toronto; there's so much to see and do there. But with the holiday buzz comes holiday prep , and
getting your travel money sorted is a big one to cross off the to-do list.
We offer a number of benefits when you buy Canadian dollars with M&S Bank.
- Our stores are open 7 days a week †
- Buy Canadian dollars online and collect from your local Bureau de Change
- Exchange any leftover currency when you return using our buy back service
Click and Collect Canadian dollars
# CAD Canadian dollars exchange rate
The exchange rate may differ depending on the day you order your currency.
Find today's Canadian dollar exchange rate here. Or use our Canadian dollar converter to see how much you could get for your pound.
# How to sell back Canadian dollars
Do you have left over Canadian dollars from your recent trip? We can buy back foreign currency from you.
Learn more about selling
back Canadian dollars
# How to order Canadian dollars
Our online and in-store services make ordering your Canadian dollars simple:
- Order your Canadian dollars online with our Click & Collect currency service.
Choose your collection date and collect from your local Bureau de Change. Or order before 4pm and collect in store the same day, using
our SameDay Click & Collect service * .
- Or visit your local Bureau de Change to buy Canadian dollars * . You can find our Bureaux de Change in M&S stores nationwide.
Many are open seven days a week late into the evening, so you can
buy your Canadian dollars at a time that suits you.
# Countries that accept Canadian dollars
Canada is the only place you'll be able to spend Canadian dollars. While the USA also uses the dollar , it's not the same currency, so if you're planning on
crossing the border into the states during your trip, you will need to visit a currency exchange or order your travel money in advance.
# Why visit Canada?
Canada's natural landscape is world famous, and for good reason. It's a vast country. From the snow-capped mountains and forested
wilderness of British Columbia, through the prairies of Alberta, Saskatchewan and Manitoba, to the stormy eastern seaboard of
Nova Scotia, Canada has something for everyone.
Canada is a friendly and welcoming place to visit, with safe cities and a high quality of life. Outdoors enthusiasts are spoilt for
choice in Canada. The mountains in the west have some of the best skiing in the world at resorts like Whistler, Golden and Jasper,
where it's not unusual to see over a metre of snow fall overnight.
You can check the latest Canadian exchange rate using our currency converter if you're planning to visit Canada any time soon.
# Canadian dollars facts and history
The Canadian currency is the Canadian dollar. Because of the country's historic ties to the UK, Queen Elizabeth II features on the coins
and banknotes, which makes the currency look quite familiar when converting the pound to Canadian dollars.
The currency code for the Canadian dollar is CAD. There are 100 cents in a dollar, and you'll see prices written using the dollar sign $.
Canadian coins feature images of wildlife, with a $1 coin showing a picture of the native bird the Loon. $2 coins have a polar bear picture.
Luckily, real polar bears are confined to the very far north, although if you're lucky you might spot black, brown or grizzly bears in the
wild in some of the more western provinces.
Canadian currency comes in both coins and banknotes. Coins include:
- 5, 10, 20, and 50 cents
- CAD1
- CAD2
Banknotes include:
- CAD5
- CAD10
- CAD20
- CAD50
- CAD100
You can buy Canadian dollars online, visit our travel money hub to learn more.
# Frequently asked questions
## Can I use my bank card in Canada?
Yes. Canada is a country with a good infrastructure and ATMs are widely available. You'll be able to use your credit or
debit cards to draw out cash or make payments in most places.
Be aware though that this might not be the cheapest way to spend Canadian dollars, as your bank or card provider might charge
international transaction fees, or currency exchange fees.
## How expensive is Canada?
One thing that can catch you out in Canada is that you'll need to add sales tax to the prices you see written on a menu or
price tag. The sales tax varies by province, but is typically around 15%. So a meal costing $17CAD would in fact cost $19.55CAD
after adding the 15% sales tax. On top of this, you then need to add a tip (where appropriate).
Prices in Canada for food and drink tend to be a little higher than in the UK. Before tax, you can expect to pay around:
- $2.11 CAD for a bottle of water
- $4.79 CAD for a coffee
- $90 CAD for a mid-range meal for two people
Check our currency converter to see the latest exchange rates
for Canadian dollars.
## Can you use other currencies in Canada?
The short answer is no, in Canada you'll need to make sure you have Canadian dollars with you for most transactions in cash.
In places very close to the border with the US like Niagara Falls, some larger hotels and businesses might also accept US dollars,
but don't rely on this being the case.
## Do you need a visa to visit Canada?
It's relatively easy to visit Canada as a tourist from the UK on a British passport. You'll need either a visa or an Electronic
Travel Authorization (eTA).
For short stays of under 6 months, you won't normally need a visa, but just an eTA, although you should check exact visa
requirements well before you book your travel.
You should always research the most up to date visa guidelines before planning a trip.
## Should you tip in Canada?
Tipping is very common in Canada. In fact, failing to tip is considered rude in most restaurants and bars. You'll be expected
to tip between 15-20% for table service, and also when buying drinks at a bar too, so make sure you have some change to hand
before you travel.
## What languages are spoken in Canada?
There are two main languages in Canada, English and French. French is the primary language in the province of Quebec, but
elsewhere most Canadians will speak English as a first language.
You can expect to find many more languages spoken in communities across culturally diverse cities like Vancouver and Toronto.
There's also a multitude of indigenous languages still spoken in Canada.
## What is the latest government travel advice for Canada?
Canada is generally a safe place to visit, although has seen an increase in the risk of wildfires in some areas in recent years.
It's always worth checking online for the latest travel advice from the Foreign, Commonwealth & Development Office for
any updates before you travel just to be sure.
## When is the best time of year to visit Canada?
The best time of year to visit Canada depends a lot on how hot or cold you'd like your trip to be. Temperatures in winter can
stay below freezing for much of the season, with snow on the ground for many months in places.
If winter sports like skiing are not your thing, there's plenty to do
in the mountains in summer too, where mountain biking, hiking, paddle boarding and cycling come into their own.
Summer sees the most visitors, with events like the Calgary Stampede and Montreal Jazz Festival attracting the crowds. Autumn is
quieter and cooler, but with stunning colour across the trees of the national parks this can also be a great time to visit.
Ready to visit Canada? Check the latest Canadian exchange rate and
order your travel money today.
# Other popular currencies
If you are planning a future holiday or a trip that takes in multiple destinations, these other
currencies may be useful:
euro US dollar New Zealand dollars
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M&S Bank October Half Term Holiday Destinations
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# M&S TRAVEL MONEY REVEALS THE BEST VALUE OCTOBER
HALF TERM HOLIDAYS AROUND £500 PER PERSON
A family of four could save a further £420 (£105 pp), on the cost of their half-term
holiday by considering alternative destinations to popular family holiday locations
M&S Travel Money’s latest best value family holiday destinations research reveals some of the best
value family holiday destinations this October half-term, the majority of which cost under £500 per
person. Families could see their half-term holiday budget stretch even further - saving an average of
£420 for a family of four on a five-night half-term getaway - by considering some alternative budget-
saving locations, which enable some significant savings on flights or accommodation.
The biggest saving can be seen by those who may be looking at a beach break in Brittany, France, who
could instead, consider five nights in Portugal’s Algarve. Both offer spectacular beaches and fantastic
food, with a holiday in the Algarve enabling families to save as much as £952 (£219 vs £457 per person).
Families considering a trip to the popular Puglia region of Italy could instead consider a visit to historical
Bulgaria. While both offer rich heritage and stunning architecture, by opting for a holiday to the county’s
striking capital of Sofia, families could save an average of £308 (£182 vs £259 per person).
Families looking for sunshine this October may be considering locations such as Türkiye and the Canary
Islands, which both offer amazing beaches and typically have climates of around 24 degrees in October.
Families opting for Tenerife in the Canary Islands could save up to £380 which is £95 cheaper per
person than Türkiye’s popular, Kalkan (£462 vs £557 per person).
The fishing villages and beach towns across the Greek islands are another family favourite in Europe.
However, families opting for the Croatian capital of Zagreb vs Santorini, Greece, could save around
£364 per family (£315 vs £406 per person). The Croatian capital offers stunning scenery, vibrant
markets, and family-friendly restaurants.
For families looking to stay closer to home, savings could be made by opting for a break in the city of
Cork, Ireland vs Dublin, with families able to save £96 (£216 vs £240 per person).
Table 1: Holiday destination swaps – cost of a family of four for five nights
DESTINATIONS
2023 HOLIDAY
COST PER
PERSON
ALTERNATIVE
DESTINATION
SAVING PER
PERSON
2023 HOLIDAY
COST FOR
FAMILY OF
FOUR
TOTAL COST
SAVING PER
FAMILY
DESTINATION
ONE
Brittany (France)
ALTERNATIVE
DESTINATION
Algarve (Portugal)
DESTINATION
TWO
Kalkan (Türkiye)
ALTERNATIVE
DESTINATION
Tenerife (Spain)
DESTINATION
THREE
Santorini (Greece)
£457
£238
£1,828
£952
£219
£876
£557
£95
£2,228
£380
£462
£1,848
£406
£91
£1,624
£364
ALTERNATIVE
DESTINATION
Zagreb (Croatia)
DESTINATION
FOUR
Puglia (Italy)
ALTERNATIVE
DESTINATION
Sofia (Bulgaria)
DESTINATION
FIVE
Dublin (Ireland)
ALTERNATIVE
DESTINATION
Cork (Ireland)
Helping the holiday budget go even further
To further help highlight where a family’s holiday budget might stretch even more, M&S Travel Money
has also compared the price of a ‘basket of goods’ comprising six holiday essentials, including food and
drink, that a family might buy while abroad.
Sofia in Bulgaria offered the cheapest local costs, with a typical ‘basket’ totalling £30 per person; a
family day out cost £12.16, on average, while a local bottle of wine came in at an average of £5.68.
Zagreb, Croatia, offered the second cheapest basket of goods, costing £32 and also the second-best
value family day out at £11.55 per person, on average.
In third place, was the Algarve, with an average basket coming out at £38, meanwhile in Cork, a basket
of goods is priced at an average of £41 per person, putting it in fourth place; Cork also offered the
cheapest family day out at £10.39 per person.
Tenerife offered the cheapest lunch out at £8.97 per person, with a typical basket of goods in the Canary
Islands totalling £55.
Table 2: Comparative costs of a popular basket of goods in different holiday destinations
Basket of goods
Taxi
journey
(1km)
0.59
0.72
0.90
1.70
0.81
1.39
1.43
1.79
0.50
0.81
Destinations
Water
bottle
0.56
0.95
0.72
1.35
0.22
0.50
0.30
1.38
0.28
0.76
Local wine
bottle
5.68
5.88
3.59
10.76
7.17
5.38
4.73
10.76
9.14
7.17
Coffee
Lunch
out
9.46
10.72
10.76
13.45
8.97
8.97
12.55
17.93
11.64
17.93
Family day
out
12.16
11.55
19.81
10.39
26.41
37
39.62
25.44
43.14
83.64
Total cost
Sofia
(Bulgaria)
Zagreb
(Croatia)
Algarve
(Portugal)
Cork
(Ireland)
*Puglia
(Italy)
Tenerife
(Spain)
*Brittany
(France)
*Dublin
(Ireland)
*Kalkan
(Turkiye)
*Santorini
(Greece)
1.90
1.79
1.77
3.24
1.35
1.58
2.07
3.43
1.86
3.93
30.35
31.61
37.55
40.89
44.93
54.82
60.70
60.73
66.56
114.24
£315
£1,260
£259
£77
£1,036
£308
£182
£728
£240
£24
£960
£96
£216
£864
Nic Moran, from M&S Travel Money, said: “We know that for many families, getting the most out of their
holiday budget is always a must, but perhaps even more so in the current climate. By considering
alternative locations to some popular holiday destinations, families could enjoy savings on their October
getaway, while still enjoying everything they were looking for from their break, whether that be sun,
sand, architecture or cuisine.”
Nic’s top travel money tips:
Plan spending money early: Get your spending money organised ahead of time; order your
currency online, or visit a high street bureau de change, to secure a rate in advance – and
travel with both local currency and a credit card, to ensure you’re covered for all eventualities.
Consider alternative airports: Flights to airports slightly outside of the destination you’re
planning to visit sometimes work out cheaper – but be sure to factor in the cost of travelling to
and from the area.
Travel outside of peak hours: If you can travel at less in-demand times (such as early in the
morning or late at night) you may be able to snap up a bargain.
Don’t leave yourself short when it comes to currency: Ensure you have enough cash for
snacks, taxis and tipping, as ATMs may not always be readily available.
The M&S in-store travel money Bureaux, alongside its euro and US dollar Click & Collect travel money
service, means an M&S currency service is available in more than 450 M&S stores. The service offers
a Click & Collect facility, so customers can order using their Smartphone or tablet – whether at home
or in store – and collect in as little as 15 minutes.
## - ENDS -
For more information about the research, please contact:
mandsbank@instinctif.com
For more information about M&S Bank, please contact:
Louise Wheble on 079204 12086 / louise.wheble@mandsbank.com
Nikki Backler on 079204 17652 / nikki.backler@mandsbank.com
Notes to editors
Methodology
th
rd
All holiday costs are for four people (two adults, two children), for a five-night stay from 23 October to 28 October
and include five nights’ accommodation and round-trip flights to and from London. All flights/accommodation etc.
rd
th
are booked from 23
October. All flights represent the cheapest direct flight cost (wherever
October to 28
possible), departing from any London airport.
All basket of goods costs were sourced using Expatistan and Numbeo’s cost of living comparison calculators.
About M&S Bank
M&S Bank (the trading name of Marks & Spencer Financial Services plc) 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. In
November 2004, HSBC bought 100 per cent of the share capital of Marks and Spencer Retail Financial Services
Holdings Limited.
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.
M&S Bank offers a broad range of financial products, including the M&S Credit Card, and a range of loans, savings
and general insurance products, while its travel money service offers one of the widest ranges of currencies
available on the high street.
HSBC UK
HSBC UK serves around 15 million customers across the UK, supported by 26,000 colleagues. HSBC UK offers a
complete range of retail banking and wealth management to personal and private banking customers, as well as
commercial banking for small to medium businesses and large corporates.
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M&S Bank important
# information
Who regulates us?
The Financial Conduct Authority (“FCA”) is the independent watchdog that regulates
financial services, including insurance. We are authorised by the Prudential Regulatory
Authority (“PRA”) and regulated by the PRA and the FCA as an insurance intermediary.
We are registered on the Financial Services Register as: Marks & Spencer Financial Services
plc under registration no. 151427.
You can check this on the Financial Services Register by visiting the Financial Conduct
Authority website: register.fca.org.uk
Whose products do we promote and who will we introduce you to?
We only promote M&S Pet Insurance exclusively from Royal & Sun Alliance Insurance Ltd
(“RSA”). We will introduce you to RSA who arrange, administer, and underwrite M&S Pet
Insurance.
What will you have to pay us?
No fee is charged by M&S Bank for promoting M&S Pet Insurance and introducing you to
RSA. M&S Bank receives a commission from RSA in relation to any M&S Pet Insurance policy
they arrange, which means that a percentage of the premium you pay is given to us. In
addition to this we may also receive additional commission from RSA dependent on the
performance of our insurance business with RSA.
Ownership
M&S Bank and M&S Insurance are trading names of Marks & Spencer Financial Services
plc. Marks & Spencer Financial Services plc is a wholly owned subsidiary of HSBC UK Bank
plc. HSBC Bank plc and HSBC UK Bank plc are members of the HSBC Group, the ultimate
parent company of which is HSBC Holdings plc. HSBC Holdings plc beneficially holds 100%
of both the shares and voting power of HSBC Bank plc and HSBC UK Bank plc.
What to do if you have a complaint about our services
Every effort is made to ensure that high standards are maintained. However, if you need to
bring any matter to M&S Bank’s attention related to our promotion of M&S Pet Insurance or
your introduction by M&S Bank to RSA, please:
Write to:
M&S Bank,
PO Box 10565,
51 Saffron Road,
Wigston,
LE18 9FT.
Or email on complaint@mandsbank.com
If your complaint is related to M&S Pet Insurance products or the service you received from
RSA then please get in touch;
• in writing: M&S Pet Insurance, Customer Relations team, PO BOX 255, Wymondham,
NR18 8DP
• by telephone: 0800 980 8740. Lines are open 8am to 6pm Monday to Friday and 9am to
5pm Saturday
• by email: RSAcustomerrelations@uk.rsagroup.com
To help continually improve service, and in the interests of security, your communications
may be monitored and/or recorded. Following the complaints procedure does not affect
your right to take legal action.
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial
Ombudsman Service (“FOS”). Further information is available by contacting them on 0800
023 4567 or by visiting their website on: financial-ombudsman.org.uk
How M&S Bank may use your data
RSA will share data provided by you during your M&S Pet Insurance policy purchase
with M&S Bank. M&S Bank will use this data for marketing, data analysis and for handling
complaints about M&S Bank. For more information, please refer to the M&S Bank Privacy
Notice. It can be found at: bank.marksandspencer.com/legal-information/privacy-notice/
Is M&S Bank covered by the Financial Services Compensation Scheme (FSCS)?
Our obligations are covered by the Financial Services Compensation Scheme (FSCS). If
we were unable to meet our obligations, you could be entitled to compensation from this
scheme, depending on the type of insurance and the circumstances at the time.
We are protected by the FSCS. You may be entitled to compensation from the scheme
if we cannot meet our obligations. Further information about compensation scheme
arrangements is available on the FSCS website: fscs.org.uk or telephone 0800 678 1100.
Change of insurer(s)
We may from time to time use a different insurer to provide you with this product. A change
of insurer may take place at any time. You will be notified prior to any change of insurer and
advised of any change in the policy terms. You will have the opportunity to terminate this
policy both before and after such a change becomes effective.
M&S Bank is a trading name of Marks & Spencer Financial Services plc. Registered in England No. 1772585. Registered office: Kings Meadow, Chester, CH99
9FB. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Marks & Spencer Financial Services plc is entered in the Financial Services Register under reference number 151427. Marks & Spencer is a registered
trademark of Marks and Spencer plc and is used under licence. © Marks & Spencer Financial Services plc 2023. All rights reserved.
Z0427/1123/WEB
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Greece Travel Guide | Travelling to Greece | M&S Bank
|
- Home
- M&S Travel Money
- Travelling to Greece & the Greek Islands
# Travelling to Greece & the Greek Islands
If you are looking for award-winning beaches, amazing cuisine and magnificent natural beauty, Greece and the
Greek islands could be perfect for your next holiday. Read our top picks, and start planning your getaway in Greece.
## Halkidiki
The peninsula of Halkidiki in northern mainland Greece often gets overlooked as the crowds head straight for the
more famous Greek islands. While this means some are missing out on a treat of turquoise skies, white sand and the
crystalline waters of the Aegean sea, the plus side is that the award-winning beaches aren't overcrowded and many
are still holiday-brochure-quality pristine.
The land splits into three "legs" each with its own individual charms. The first, Kassandra, is nearest to
Thassaloniki and has the busiest beaches of the three; middle leg Sithonia is much quieter with secret coves
to escape to; the third, Mount Athos, is dominated by the imposing holy mountain and an area entirely dedicated
to prayer and worship, a visit to the monasteries is a fascinating insight into the lives of the monks who live there.
While you will find some crowds in Halkidiki during peak season, it's still easy to find little pockets of
peace and quiet.
## Kos
This enchanting island in the Aegean Sea is overflowing with history and ancient ruins - with captivating treasures
everywhere you look. The island's most famous son Hippocrates, "the father of modern medicine", is celebrated
all over Kos, most notably at the Hippocrates Plane Tree, under which he is said to have taught his pupils.
The most important historical site on Kos is the Asklepieion, an ancient sanatorium and temple to Asklepios,
the Greek god of healing. Even Kos Town, the busiest part of the island, where the main ferry port is located,
is flanked by a medieval castle and the remains of a city wall that dates back to the 4th century BC.
Kos is an island of breath-taking natural beauty, with lush valleys, huge expanses of forest and some of the
best beaches in the Dodecanese. To try your hand at watersports head to Mastichari beach, a busy, sandy tourists'
favourite. For something more secluded, try smaller Kamari beach which is surrounded by green cliff sides, or
Thermes, a small pebbly cove with natural hot springs. You'll find some wonderful local food on Kos, with
restaurant options ranging from idyllic tavernas in remote mountain villages to beach-side seafood cafes
serving the freshest fish and glitzy waterfront restaurants in Kos Town.
# Crete
Famed for its beaches, Crete has some of the best sandy stretches of all the Greek islands. Some highlights
worth walking or driving to find include: environmentally protected Elafonisi, where the sand glows pink in
some lights and water is crystal clear; Falasarna on the west coast where several beaches provide the ideal
spot to watch the sun set; and Vai, a palm-fringed curve of golden sand.
Away from the beach, the wild, mountainous terrain makes for impressive scenery and the villages up in the
hills are respite from the busy beaches and ideal if you want some peace. Crete proudly has its own traditions,
culture and cuisine that differentiate it from the rest of Greece.
Cretan cuisine is particularly world-renowned thanks to the island's rich variety of local produce. The absolute
must-try is dakos - barley rusks, softened in water or olive oil, then topped with fresh tomato and myzithra
(a creamy sheep or goat's cheese) and drizzled with local olive oil.
# Mykonos
The most glamorous island in the Cyclades, sun-soaked Mykonos plays host to a stylish crowd all summer long.
A well-known party hotspot and celebrity hangout, world famous DJs play the clubs and beachside bars blare music.
There are calmer attractions on offer though, like a day trip to the small island of Delos, where you'll discover
one of the most important mythological and architectural sites in all of Greece.
These days, beaches on Mykonos get busy during high season. A young, cool crowd congregates at the famous Paradise
and Super Paradise beaches, but there are some quieter ones to be found if you don't mind a trek. Lia in the south
or Fokos and Mersini in the northeast are all off the beaten track and thus more peaceful. But Mykonos is all
about the nightlife. Start off at a waterfront table in the Little Venice area of Mykonos Town and enjoy the
spectacular sunset.
# Rhodes
The largest and best known of the Dodecanese islands, Rhodes is a stunning mix of sandy beaches in the
east and pine forest hillsides in the west. For beaches, bars and a fortnight of sunshine, there are
few better holiday options, but being Greece, of course there is a rich history to be explored too.
In the pretty town of Lindos sits the Acropolis of Lindos, a beautifully preserved site dating back to 200 BC.
Rhodes old town's atmospheric tangle of ancient cobbled streets is like stepping back in time, with its
mishmash of Byzantine, Turkish and Latin architecture. It's in the old town's backstreets that you'll find
some fabulous tavernas offering traditional Greek fare. The island's most popular draw is Petaloudes
Valley - otherwise known as Valley of the Butterflies. Between July and September, when the butterflies
are out in force, so are the crowds. However, the sight of thousands of Jersey tiger moths covering the
whole landscape is worth queuing for.
# Skiathos
Want to fly and flop? This is the place to do it. The most developed of the four Sporades islands
(literally 'scattered ones'), Skiathos can lay claim to some of the Aegean's most beautiful sandy beaches.
Walk through a fragrant forest of pine trees and you'll find the most famous beach, Koukounaries, on the other
side. This mile-long stretch of golden sand is the perfect place to set up for the day, with watersports
for the restless and beach bars for the hungry or thirsty. Skiathos town is the main hub of the island,
with a busy marina and lots of waterfront restaurants showcasing their catch of the day and vying for
tourist trade. If you're in the market for a day trip, hop on a water taxi to nearby Skopelos where
you'll discover a pretty island of olive groves, vineyards and orchards, as well as more pine
tree-fringed beaches boasting sparklingly clear water.
# Santorini
Thanks to its somewhat melodramatic beginnings, Santorini does breath taking scenery particularly well.
The volcanic explosion in 1450 BC that created Santorini is what gives the island its dramatic landscape -
multi-coloured cliffs soar above a submerged volcanic crater and the hillsides are dotted with traditional
white-cube houses.
The island is most famous for its awe-inspiring sunsets - when the sun goes down the orange glow of the
mountains and the light dancing off the buildings creates one of the most astonishing sights you'll ever
see. The gorgeous cliff-top village of Oia is one of the best spots to enjoy the sunset. Many hotels
overlook the vast volcanic bay (the caldera) and you'll find yourself mesmerised as you look down and
watch ships crisscross the azure waters of the Aegean. There are lots of lively tavernas all over the
island and for food lovers a wealth of restaurants dishing up just-caught fish.
# Zakynthos
Zakynthos - or by its Italian name, Zante, as it's also sometimes known - has been a staple of the
Greek tourism scene for decades. It's the most southerly spot in the Ionian islands, off the west coast of Greece.
Many holidaymakers looking for a lively atmosphere head for the main resort of Laganas to the south,
with its busy bars and long sandy beaches where, if you time it right, you may come across the
island's most famous inhabitants - the endangered loggerhead sea turtles who come onshore to nest on the
beaches. For those seeking to get away from it all, head for the west coast where you will find nature
reserves and dramatic cliffs offering prime positions to watch the spectacular sunsets. You can fly
directly from the UK using Zakynthos airport, or arrive by sea via the bustling port of Zakynthos Town.
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Bereavement Help & Support | M&S Bank
|
- Home
- Help
- Life events
- M&S Bank Bereavement support
# Bereavement support
We have a dedicated bereavement team to support you during this time. The quickest way to notify them of a bereavement or send us a death certificate is by using our online
notification form .
Notify us / Send a death certificate (link opens in a new tab)
If you need to notify other financial institutions, you can also use the UK Death Notification Service .
When someone close to you passes away, it's always a difficult time and when you're already experiencing grief, dealing with practical matters and making important financial decisions can seem overwhelming. The following information is provided to help and support you through this process and our specialist team are also on hand to offer further support and advice if you need it.
# Step by step guide
There are a handful of things that need to be done as soon as possible after someone has passed away.
You may have dealt with some of them already, but if not you’ll find guidance on the initial steps
that you may need to take, starting with formally registering the death.
## Step 1: Register the death
### Useful information
After someone passes away their death must be registered. If you go to a register office in the
area where the person passed away, you will be given the documents you'll need on the same day.
If you choose a register office in a different location, then the documents may take longer. You
can find your nearest register office in the phone book or online at: gov.uk/register-a-death . You may need to make an appointment.
You need to register the death as soon as possible, but timescales vary depending on where in the
country you live. For up-to-date information for your area, visit gov.uk . You'll need the doctor's certificate and possibly supporting
information, such as a birth or marriage certificate. If in doubt, check with your local
register office before attending. The register office will give you a death certificate. Most
organisations, including M&S Bank, will need to see original documents, so you may want to
ask for extra copies (the register office makes a small charge for this).
## Step 2: Letting us and other organisations know
### Letting us know
We're here to offer you all the support we can, and once you've informed us of your bereavement
we'll ensure that all the relevant teams within M&S Bank are updated. There are various ways
that you can contact us, but you may find the quickest way to notify us is to complete our notification
form (link opens in a new tab) .
You can also call our Customer Services team on 0345 600 5860 , or write to us at
M&S Bank, PO Box 329, Wymondham, NR18 8HA.
Once you've notified us, we'll then be able to confirm the next steps, including what documents
we need to see and any forms that need to be completed. For more information on next steps and
what documents may need to be provided, please see what happens when we
are notified about the death of a customer?
### Letting other organisations know
In addition to informing friends and family of the death, there will be a number of organisations
you'll need to inform, from other banks and building societies to utility companies. You'll also
need to find legal documents such as passports and driving licences that will need to be
returned and cancelled.
For a more comprehensive list of organisations to consider contacting, please see other organisations you may need or want to inform .
## Step 3: Obtain the will
### What happens if there isn't a will?
A will contains the last wishes of a person who has passed away, in particular about who they
want to inherit their estate.
You'll need to find the last known signed and witnessed version of the will. If you can't find a
will at the deceased's home, it's a good idea to ask their solicitor, bank, or financial advisor
if they have it.
A will usually names one or more executors who will be responsible for dealing with the
administration of the deceased's estate.
If someone passes away without making a will or you’re unable to locate a signed will, they are
said to have passed away 'intestate'. The law on who will inherit the estate will vary depending
on where the deceased lived and in some circumstances, their religion. In England, Wales and
Northern Ireland the Laws of Intestacy apply and the person who will inherit the estate is the
next of kin – usually their husband, wife, civil partner or their child/children.
Unmarried partners are not considered next of kin. In Scotland, different rules apply – to
find out more visit gov.scot .
To find out what to do if there is no will left in England, visit gov.uk/inherits-someone-dies-without-will . There you'll find a simple
online tool that takes into account the deceased's situation and guides you to the correct
information.
## Step 4: Arrange the funeral
Once the death has been registered, you can arrange the funeral. You may already know what sort
of funeral the person wanted, or there may be instructions in the will or in other papers, like
a prepaid funeral plan. Most people choose to use a funeral director who will help you make all
the necessary arrangements.
Organisations, like The National Association of Funeral Directors and The National Society of
Allied and Independent Funeral Directors, can provide you with funeral directors who have to
abide by codes of practice and high standards of service.
- The National Association of Funeral Directors: nafd.org.uk
- The National Society of Allied and Independent Funeral Directors: saif.org.uk
### Paying for the funeral
One important decision to consider is how much to spend. Funerals can be expensive, and may need
to be paid for immediately. Unless a prepaid funeral plan exists, it's worth checking how much
money is available to pay for it.
It is possible for the funeral bill to be paid direct from the deceased's estate. Please check
with us, or with their other bank(s) if they have one, to see if money can be released to pay
for the funeral.
At M&S Bank, we'll be able to release funds, from accounts with available credit balances,
for the following:
- full or part payment of the main funeral bill and associated costs
- flowers for the funeral
- the wake
- repatriation of the deceased to the UK (if insurance is not held).
On receipt of the original invoice we'll make payment direct to the funeral directors or vendor.
Unfortunately, we can't accept estimates to settle the bill in full. However, we can accept the
funeral director's estimate if a deposit is requested to be paid prior to the funeral taking
place. Wherever possible we require the funeral director's bank account details to process the
payment more quickly.
For more information or guidance, please contact our Bereavement Support team on 0345 300 6139 .
### Consider your financial support
If the loss of a partner means you have lost your main household income, or if you are struggling
to pay the funeral bill, you may be entitled to financial help or benefits. For more
information, or to find out if you are eligible, please visit gov.uk/funeral-payments/overview or read the Department for Work and
Pensions guide 'Support after a death'. You can download this at gov.scot or get a copy from your local register office or Jobcentre
Plus.
## Step 5: Deal with the estate
Anyone responsible for dealing with the estate is known as a 'personal representative'. A
'personal representative' can be an individual or an appointed solicitor. If there is a will,
this is anyone named as an 'executor'.
If there is no will, this is the immediate next of kin, or someone else appointed to administer
the estate (the 'administrator'), visit gov.uk/inherits-someone-dies-without-will for more information.
### What a personal representative has to do
- Make an inventory of everything in the estate and work out the total value
- Calculate and settle any inheritance tax and other tax liabilities
- Apply for probate, if required
- Sell any property or investments that the will doesn't specifically transfer to someone else
- Collect all assets (such as shares and investments) and settle any debts, including
mortgages and loans
- Distribute the estate to the beneficiaries
If you are the personal representative, you can decide whether you want to:
- deal with the estate yourself; or
- appoint a solicitor or specialist probate service to do some or all of it for you
For more information on probate, whether it's required and how to apply, please see applying for probate .
### Inheritance tax
Depending on the value of the estate and who it is left to, you may have to pay inheritance tax.
There's normally no inheritance tax to pay if:
- the value of your estate is below a certain threshold
- you leave everything to your spouse or civil partner, a charity or a community amateur
sports club
Generally, some or all of the inheritance tax must be paid before probate is granted. This is
normally paid by the personal representative, using money from the estate. It may be possible
for M&S Bank or another bank to pay this using money held in the deceased's accounts.
If there isn't enough money available in the account to pay the inheritance tax, you can get
further information from the HMRC website: hmrc.gov.uk/inheritancetax .
### Other taxes
The personal representative is also required to settle other taxes such as income tax and
National Insurance for the person who has passed away. Contact HMRC and they'll tell you what to
do. For more information: gov.uk/after-a-death/tax-and-benefits .
# Legal/Personal Representative Closure Forms
Have you been contacted by M&S Bank to complete a Legal/Personal Representative Form?
Yes No
# Help and support
We're here to offer you all the support we can; below you'll find more information which we think
might be useful.
- What happens when we are notified about the
death of a customer?
- What documents will we need from you?
- Other organisations you may need or want to
inform
- Applying for probate
- Financial considerations following a
bereavement
- Acceptable documents for identity and address
verification
- FAQS
- Glossary
# Support guide
Supporting you with practical help at this difficult time.
M&S Bank Bereavement Guide
You may require Adobe PDF reader to view PDF documents. Download Adobe Reader (opens in a new window)
# Notify us online
Notify
us / Send a death certificate (link opens in a new tab)
You can inform us of a bereavement online.
# Call us
0345 600 5860 or +44 (0)1244 879080 from outside the UK
# Write to us
You can send your documents to us at:
M&S Bank PO Box 329 Wymondham NR18 8HA
Calls are recorded for our mutual security, training and monitoring
purposes.
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How the nation is finding fulfilment with their four-legged friends | M&S Bank
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# Press Release
7 April 2021
## How the nation is finding fulfilment with their four-legged friends
Pet owners feel their pets have a positive effect on their overall wellbeing, making them feel more
content and relaxed - however more than four in 10 don"t have insurance for their furry friends.
The poll of pet owners found their four-legged friends have a positive impact on their health (94 per
cent), making them feel happier (89 per cent) and calmer (50 per cent).
Nearly half also enjoy the unconditional love their pets provide (45 per cent), while 34 per cent feel
their wellbeing is improved as pets help encourage them to get outside every day (34 per cent).
The M&S Bank Pet Insurance research, commissioned for National Pet Month (April 1 - May 3), also
found that furry friends bring joy to their owners on a day-to-day basis by providing companionship (58
per cent) and being a source of laughter (55 per cent).
And one in five (18 per cent) credit their pets with helping them to meet new people (18 per cent). As a
result, 89 per cent of those polled consider their pet to be a key member of the family.
However, 44 per cent don"t have insurance to help cover the cost of treatment should their
four-legged companion become ill or injured. Nearly a quarter (22 per cent) said that they wouldn"t
be able to cover the £817 average cost of a pet insurance claim.
Reasons for not taking out pet insurance included seeing it as an unnecessary expense (32 per cent), not
feeling they need it (21 per cent) and simply not getting around to purchasing it (13 per cent).
Paul Stokes, M&S Pet Insurance, said: "Britain is known to be a nation of animal lovers and our
research certainly seems to reaffirm that."
"It"s great to see the many different ways our beloved pets positively improve our overall
wellbeing and bring us happiness - this goes to show just how important they are to millions of people
across the UK."
"Having a happy, healthy pet is a top priority for every pet owner, but coping with an unexpected
veterinary bill can be difficult"
"Having pet insurance in place can help to take away this worry."
The poll also revealed that the ability to make them smile (65 per cent) and cheer them up (56 per cent)
are among the things that owners love about their pets, in addition to being able to pet them (55 per
cent).
Further to this, those polled revealed they will spend 87 minutes relaxing with their pets, 34 minutes
chatting with them and nearly half an hour (26 minutes) playing together during a typical day.
On top of that, an average of 33 minutes is spent exercising with their furry friend, with more than half
(53 per cent) believing they exercise more than they would without their pet's influence.
Additionally, 47 per cent of pet owners said they have made new friends as a direct result of their pets.
### TOP 10 WAYS OWNERS SAY THEIR PET IMPROVES THEIR WELLBEING
- They make me feel happier
- Offer me companionship
- Make me laugh
- They make me feel calmer
- Help take my mind off things
- Know they love me unconditionally
- Bring positivity to my life
- Help me get outside every day
- Help me appreciate the small things in life
- Help me stick to a daily routine
### TOP 20 THINGS OWNERS LOVE ABOUT THEIR PETS
- Make you smile
- Companionship
- They always cheer you up
- Being able to pet and stroke them
- They are very loyal
- Being greeted upon returning home
- Their unwavering love for you
- Relaxing together e.g. watching TV together
- Playing with them every day
- Unbridled affection
- Enjoying daily walks with them
- Helping you switch off
- Provide you with a routine
- Help to keep you fit
- They motivate you
- Make you feel safe
- Help get you up in the morning
- They understand you
- You can confide in them
- Act as a great listener
ENDS
### Notes to Editors
*In 2021, Association of British Insurers reported £817 was the average cost of a pet insurance claim in 2020: https://www.abi.org.uk/news/news-articles/2021/04/petected-during-the-pandemic-pet-insurers-handled-claims-worth-the-equivalent-of-2-.2-million-every-day-in-2020-according-to-latest-abi-figures/ (link opens in a new tab)
For more information, please contact:
Emma Warburton: ewarburton@webershandwick.com
### HSBC UK
HSBC UK serves around 14.5 million customers in the UK and employs approximately 32,000 people. HSBC UK offers a complete range of personal, premier and private banking services including bank accounts and mortgages. It also provides commercial banking for small to medium businesses and large corporates. HSBC UK is a wholly owned subsidiary of HSBC Holdings plc.
Download Press
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M&S Fixed Rate Savings – Fixed Term Savings | M&S Bank
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- Home
- Save & invest
- Fixed rate savings
# M&S Fixed Rate Savings
Save with certainty for as long as you choose
# Our features and benefits
- With our Fixed Rate Savings, earn between 3.90% AER/Gross and
4.75% AER/Gross with fixed rates
over 1, 2 or 3 years. Early withdrawal fees apply for deposits under £50,000. No Withdrawals for
deposits £50,000+
- Start saving from just £500 up to £1 million. Whatever your balance, you'll
receive the same interest rate - and it's fixed for the full term
Our Fixed Rate Savings are subject to availability.
Apply for a Fixed Rate Savings account
# Interest
Save for 1, 2 or 3 years.
The longer the term, the longer your interest is fixed.
| Interest | AER/Gross (See footnote) * |
| 1 year fixed rate | 4.75% |
| 2 year fixed rate | 4.30% |
| 3 year fixed rate | 3.90% |
You can add the annual interest to your savings - or transfer it elsewhere.
# Early closure option
If you need to access your money, and provided your deposit is under £50,000, you can close
your Fixed Rate Savings before the end of the fixed term. There's a single charge to do this.
Depending on when the withdrawal is made, you may get back less than originally deposited.
If your deposit is £50,000 or more you can't close your bond or withdraw any money until the
end of the deposit term. Partial withdrawals are not permitted.
| Early withdrawal charge |
| 1 year fixed rate | £50 |
| 2 year fixed rate | £75 |
| 3 year fixed rate | £100 |
# Benefits of our Fixed Rate Savings account
Because your interest is fixed for 1, 2 or 3 years, you can calculate exactly how much your money will
earn, regardless of what happens to interest rates.
You can open our Fixed Rate Savings online, by post or over the phone. It'll take just a few minutes.
You can open our Fixed Rate Savings online if you deposit less than £40,000 (See footnote) **.
If you want to open an account with £40,000 (See footnote) ** or more, please call us on 0808 001 1111.
Please print and return the relevant forms in the 'Important documents' section.
# Fixed Rate Savings calculator
How long you want to save for: 1 year 2 years 3 years
How much do you want to save:
your Fixed Rate Savings
## Your Results
With an M&S Fixed Rate Savings Account your savings after year(s) could be:
Your total interest earned could be £
Based on an interest rate of AER/Gross
New calculation
Apply now
# Need some help?
Ask our Virtual Assistant (opens in a new window)
# You may also want to
View our M&S Cash ISA
View our Everyday Savings Account
View our savings rates
# Important documents
Fixed Rate Savings application form (PDF document)(opens in a new window)
Fixed Rate Savings summary box (PDF document)(opens in a new window)
Fixed Rate Savings terms and conditions (PDF document)(opens in a new window)
UK FSCS information sheet and exclusion list (PDF document)(opens in a new window)
You may require Adobe PDF reader to view these documents. Download Adobe Reader
* [1] AER is the annual equivalent rate
and illustrates what the rate
of interest would be if interest was paid and compounded on an annual basis.
Gross is the rate of interest
if interest was paid and not compounded each year.
All credit interest will be paid gross. Interest rates correct
on 20.12.2023.
** [2] [3] We recommend you contact your bank before making a large
deposit with your debit card
so that they're aware that a payment will be requested from your account. This will reduce the chance of your payment
being declined by your bank.
Lines are open 8am-6pm Monday to Friday (closed weekends and
public holidays). Calls are recorded.
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Alternative Holiday Locations | M&S Bank
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# Press Release
4 April 2023
## M&S TRAVEL MONEY REVEALS THE ALTERNATIVE HOLIDAY LOCATIONS THAT COULD SAVE FAMILIES £1000S THIS EASTER
- A family of four could save an average of £1,348 / £337pp on the cost of an Easter holiday by considering alternative destinations to popular family holiday locations.
Ahead of the Easter break, M&S Travel Money’s best value holiday destinations research ¹ shows that, a family of four could save as much as £2,640 / £660 per person on their spring getaway by considering some budget-saving alternative destinations.
Both Mexico and the Dominican Republic offer white sandy beaches and crystal clear waters but the research revealed a beach break in Cancun, Mexico this Easter came in at over £600 less per person than Punta Cana in the Dominican Republic (£2,004 vs £2,664 per person).
Both Mexico and the Domican Republic have flight times of over nine hours from the UK. For families looking for a shorter trip this Easter, but still looking to enjoy a coastal get away and warmer climates, they could consider a Mediterranean break. By opting for a holiday to Dubrovnik, Croatia, families could save over £300 per person, compared to a holiday in Crete, Greece. The Grecian getaway is set to cost a family of four £6,934/ £1,733 per person while a trip to the Croatian old town overlooking the Adriatic Sea, will cost £5,672 for a family of four, or £1,418 per person.
Families looking for a city break could save over £250 per person / £1,000 for a family of four, by heading to the Northern Italian city of Bologna, rather than the capital, Rome, both destinations offer beautiful architecture and delicious local cuisine.
Families looking for a combination of city and beach life might consider Malta or Lisbon. This Easter, families heading to Valletta, Malta could save over £100 per person compared to a trip to Lisbon, Portugal. While the saving isn’t as big as some of the other alternative destinations researched, at £119 per person, or £476 for a family of four, it could enable families to enjoy more for their holiday budget on arrival, such as an excursion.
Nic Moran, from M&S Travel Money, said: “ In the current climate, many of us are looking for ways to save and make our money go that bit further. Families that are able to consider some alternative holiday destinations, could find that their holiday budget goes a little further this Easter.”
| DESTINATION PAIR | 2022 HOLIDAY COST PER FAMILY | TOTAL COST SAVING PER FAMILY |
| SWAP ONE | BUDGET BREAKER Punta Cana (Dominican Republic) | £10,656 | £2,640 | BUDGET SAVER Cancun (Mexico) | £8,016 |
| SWAP TWO | BUDGET BREAKER Crete (Greece) | £6,934 | £1,262 | BUDGET SAVER Dubrovnik (Croatia) | £5,672 |
| SWAP THREE | BUDGET BREAKER Rome (Italy) | £6,272 | £1,018 | BUDGET SAVER Bologna (Italy) | £5,254 |
| SWAP FOUR | BUDGET BREAKER Lisbon (Portugal) | £5,944 | £476 | BUDGET SAVER Valletta (Malta) | £5,468 |
### Nic’s top travel money tips:
The M&S in-store travel money bureaux, alongside its euro and dollar Click & Collect travel money service, means an M&S currency service is available in more than 450 M&S stores. The service offers a Click & Collect facility, so customers can order using their Smartphone or tablet – whether at home or in store – and collect in as little as 15 minutes.
ENDS
For more information about M&S Bank, please contact:
Louise Wheble on 079204 12086 / louise.wheble@mandsbank.com
Nikki Backler on 079204 17652 / nikki.backler@mandsbank.com
Notes to editors:
¹ Five destinations were chosen from TripAdvisor’s 2023 Travellers Choice Awards and include those which can be reached within 10-12 hours from the UK.
All holiday costs are for 4 people (2 adults, 2 children), for a thirteen-night stay from from 1 April to 15 April, and include thirteen nights’ accommodation, round-trip flights to and from London, thirteen evening meals at restaurants, and one walking tour. All flights/accommodation etc. are booked from 1 April 2023 to 15 April 2023. All flights represent the cheapest direct flight cost (wherever possible), departing from any London airport. Flight costs are from skyscanner.net. Accommodation is based on the most affordable three-star option for a family room from Expedia.co.uk. Meal costs are sourced from www.expatistan.com in local currency, exchanged into British Pounds via M&S Bank on 20/03/23 and represent the total cost of dining at an inexpensive local restaurant across thirteen nights. The activity is based on the cost of a local walking tour on Tripadvisor.com. Spending money was calculated using TUI.co.uk Travel Money Calculator based on 2 adults, 2 children having two meals a day, with no drinks and three activities per week.
About M&S Bank
M&S Bank (the trading name of Marks & Spencer Financial Services plc) 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. In November 2004, HSBC bought 100 per cent of the share capital of Marks and Spencer Retail Financial Services Holdings Limited.
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.
M&S Bank offers a broad range of financial products, including the M&S Credit Card, and a range of loans, savings and general insurance products, while its travel money service offers one of the widest ranges of currencies available on the high street.
HSBC UK
HSBC UK serves around 15 million customers across the UK, supported by 26,000 colleagues. HSBC UK offers a complete range of retail banking and wealth management to personal and private banking customers, as well as commercial banking for small to medium businesses and large corporates.
Download Press
Release (opens in a new window)
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Digital Wallet | Samsung Pay | M&S Bank
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# What is Samsung Pay?
Samsung Pay is a secure payment service that allows you to use your Samsung device in place of your physical card while still collecting M&S rewards points when you spend.
You simply add your M&S Credit Card to your digital wallet and you can then make contactless payments in person, and make payments in apps and online without the need for your physical card or PIN.
# How to set up Samsung Pay
## Samsung Phone
1. Download Samsung Pay
2. Open the Samsung Pay app on your phone and tap Menu in the top left corner, and then tap 'Cards'.
3. Tap 'Add card' (blue +card icon), and then tap 'Add credit/debit card'.
4. Scan your M&S Credit Card information, or enter the details manually. You may be asked to verify your card with a one-time passcode which will be sent to you by SMS.
## Smartwatch
1. Follow the steps for setting up Samsung Pay on a Samsung Phone
2. Open the Galaxy Wearable app on the phone connected to your watch. Tap the Home tab, and then swipe to and tap 'Samsung Pay'.
3. Tap 'Import cards' to import your card from the Samsung Pay app on your phone onto your watch. Then follow on-screen instructions to verify your card.
# How to pay
Making payments is easy, secure and best of all, you’ll still be able to collect M&S rewards points when you spend on your M&S Credit Card using Samsung Pay. Samsung Pay can be used wherever you see these symbols:
## In store
Simply swipe up on the screen or open the Samsung Pay app from your home screen. Select the card you want to pay with, hold the device near the contactless reader and authenticate your payment using Iris scanner (on compatible devices), fingerprint or your Samsung Pay PIN.
To pay in-store using your Samsung watch, press and hold the button on the back of your watch. Next, rotate the visual bezel to select a card and tap ‘PAY’. Hold your watch close to the contactless card reader for the payment to be processed.
## In app
To pay within participating apps select the Samsung Pay Checkout button and authenticate your payment using either Iris scanner (on compatible devices), fingerprint or your Samsung Pay PIN.
## Online
To pay within participating websites, select the Samsung Pay Checkout button and authenticate your payment using either Iris scanner (on compatible devices), fingerprint or your Samsung Pay PIN.
## On Transport for London (TfL)
First, you’ll need to set up your M&S Credit Card as a ‘Transport card’ , then simply touch the middle section of your phone against the card reader.
Alternatively, you can pay on TfL without setting up ‘Transport card’ by making a payment as you would do in store .
# FAQs
## Which devices are compatible with Samsung Pay?
You can find a list of compatible devices on the Samsung support page .
## How do I set my M&S Credit Card as my default card, or Transport card, for Samsung Pay?
The last card you viewed in Samsung Pay will automatically appear as your default card the next time you open the app. However, you can still swipe through the cards you have added to select the relevant card before making a purchase.
## Where can I use Samsung Pay and is it free to use?
Samsung Pay can be used in stores wherever you see these symbols:
It can also be used for travel with Transport for London on buses and the London Underground.
You can make in-app and web purchases on your compatible device wherever you see the Samsung Pay button at checkout.
A £100 limit will apply to transactions in some cases; ask the retailer for further details.
M&S Bank won't charge you for using Samsung, but charges from your mobile network provider may apply depending on your data plan.
## How do I set my M&S Credit Card up as a ‘Transport card’?
To set your M&S Credit Card as your Samsung Pay Transport card simply launch the Samsung Pay app, tap Start to activate your Transport card and then tap on Set up Transport card.
## What should I do if I lose my device?
If your phone is lost or stolen, you can use Samsung's Find My Mobile service to remotely disable your cards on that device.
If you do not have another device to remove your card, you need to contact us via ‘Chat with Us’ in the M&S Banking App or Internet Banking so we can stop your card. Alternatively, you can call us between 8am-8pm 7 days a week on 0345 600 5860 to suspend your card.
## What should I do if I lose my credit card?
If you lose your card, please contact us immediately via ‘Chat with Us’ in the M&S Banking App or Internet Banking . Alternatively, you can call us between 8am-8pm 7 days a week on 0345 600 5860 .
- your card will be stopped
- when we issue you with a new card, you won’t need to register it with Samsung Pay again as your new card details will be updated automatically
- once your new card arrives, you should activate it as soon as possible to continue using Samsung Pay
## What happens when my credit card expires?
If your card is nearing expiry, a replacement card is automatically issued and the new card details are automatically updated in Samsung Pay, once you have activated your new card. If the expiry month has passed and you have not received a new card, please contact us immediately via ‘Chat with Us’ in the M&S Banking App or Internet Banking . Alternatively, you can call us between 8am-8pm 7 days a week on 0345 600 5860 .
## How do I remove a card from my device?
You can remove a card from Samsung Pay at any time, please visit the Samsung Pay Support page.
Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of them. You should also remove your card if you temporarily pass your device to someone else; for example if you pass it to be repaired.
## Is Samsung Pay secure?
Samsung Pay uses Tokenization and Samsung Knox to secure your payment information. Additionally, your fingerprint or a 4-digit Samsung Pay PIN is required to authorise in-store purchases, or iris scanning on compatible devices.
You must not choose a Samsung Pay PIN that can be easily guessed by anyone else or tell anyone else what your device passcode is; and you must ensure that you do not store anyone else's fingerprint or Iris scan within your Samsung device.
## What happens when I replace or update my device?
If you replace or update your device, you will need to add your card(s) to Samsung Pay again.
## Do I need to have an active internet connection for Samsung Pay to work?
An active internet connection is not required to make in-store purchases, but your phone should connect to the internet at least once per day to ensure that Samsung Pay stays up to date and remains active. You can perform several authentications / transactions during a period without internet access, after which your phone will need an internet connection before additional authentications will process. Samsung Pay does require an active internet connection to activate the app or add a new card.
I have been prompted for a one-time passcode when adding a card to Samsung Pay. What is this and why is it required?
For security purposes, we may ask you to enter a one-time passcode to confirm your identity. This code is a unique series of numbers and will be sent via text. Once received, please enter the one-time passcode into the appropriate field.
# Important documents
M&S Bank Privacy Notice (PDF Document)(opens in a new window)
Digital Wallet credit card terms (PDF Document)(opens in a new window)
Guide to putting your M&S Credit Card in your e-wallet (PDF Document)(opens in a new window)
You may require Adobe PDF reader to view these documents. Download Adobe Reader
Samsung and Samsung Pay are trade marks or registered trade marks of Samsung Electronics Co., Ltd. Use only in accordance with the law.
The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.
M&S Credit Cards are eligible for Samsung Pay, subject to status. Samsung and Samsung Pay are trade marks or registered trademarks of Samsung Electronics Co. Ltd. Use only in accordance with the law.
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Guide to Balance Transfers | M&S Bank
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- Home
- Credit card
- Understanding balance transfer credit cards
# Understanding balance transfer credit cards
## What is a balance transfer credit card?
Balance transfer credit cards are a type of credit card where you can transfer the outstanding balances from your current credit cards onto a single card with a low or 0% interest rate. Consolidating your balances onto a single card can help you manage your debt more effectively.
## How does a balance transfer work?
Balance transfers aim to reduce your interest payments by offering a low or 0% interest rate for a fixed promotional period. This gives you a set amount of time to pay off debt without paying high interest rates.
Here’s an example using the M&S Transfer Plus offer
- You have a credit card with a balance of £1000 with a 20% interest rate.
- You transfer the balance to our balance transfer credit card with 0% interest for 28 months and a 3.49% transfer fee, bringing your balance to £1,034.90.
- To pay off the debt within the promotional period, you’ll need to make a minimum monthly payment of £36.78 for 28 months, assuming there are no other credit card spends during that time.
## Benefits of a balance transfer credit card
Balance transfer credit cards offer several benefits:
- Save money – consolidating your debts to one card can save on interest payments, freeing up funds to help you achieve your financial goals.
- Debt management – all outstanding balances will be on one card, meaning there’s only one monthly repayment for you to track and manage.
- Credit score improvement – by consolidating your debts onto one card, you reduce the risk of late or missed payments. Over time, this can improve your credit score.
While balance transfer credit cards can help you save money and manage payments, there are also some potential drawbacks to keep in mind:
- Good credit recommended – people with excellent credit scores often receive the best balance transfer deals. If you have a lower credit score, credit card companies may disqualify you from the best deals or offer you a shorter promotional period.
- Not clearing debt – your credit card provider may charge you high interest payments if you don’t clear your debt within the promotional period. Missing a minimum monthly payment can also lead to late fees and damage your credit score or loss of the promotional rate.
## Choosing the right balance transfer credit card
When applying for a balance transfer credit card, it’s important to choose one that’s right for you:
- Long-term balance transfers – these balance transfers offer low interest rates for a longer promotional period, making them a good choice if you need more time to pay off debt. However, they may come with higher transfer fees.
- Short-term balance transfers – these balance transfers are ideal if you have smaller balances as they have a shorter promotional period.
- Purchase offers – some balance transfer credit cards offer a combination of long-term 0% purchase offers and balance transfer options, which is useful if you plan to make purchases with your card as you pay off debt.
## Repaying your balance transfer debt
To avoid extra charges, make at least the minimum monthly payment on your credit card statement. This will help you pay off debt before the promotional period ends. Keep in mind that falling behind on a payment can lead to late fees and damage your credit score.
## Avoiding common pitfalls
When applying for balance transfer credit cards, you should evaluate your options to avoid common pitfalls such as additional fees and interest charges.
Consider the following to help you decide if a balance transfer credit card is right for you:
- Promotional period – can you pay off debt within this time?
- Transfer fee – a one-time fee is usually required to transfer your balance, which can eat into your potential savings and make it harder to save money.
Balance transfer credit cards can be a helpful tool to pay off debt and reach your financial goals. If you want to learn more on how you can manage your debts, check out our financial support page and find out how we can support you.
Published June 2023
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Early signs of common pet health issues | M&S Bank
|
- Home
- Insurance
- Pet Insurance
- Common pet health issues
# M&S Pet Insurance
Early signs of common health problems in your pet
Our pets are our world, and it can be heartbreaking to watch them in distress. Just like humans, our pets
can catch diseases, suffer from allergies or simply become unwell. The earlier you catch the signs of
pet health problems, the more time you have to get effective treatment. Here are a few common pet health
issues and how to spot them.
# Common dog diseases
## Diabetes
Diabetes is one of the most common dog diseases. Diabetes is when the pancreas is unable to produce
the right amount of insulin, and diagnosed pets will require insulin therapy to survive. Signs that
your dog may be diabetic include changes in appetite, weight loss, dehydration, blindness, urinary
tract infections and increased thirst. Every dog is individual, but getting the correct vet
treatment is paramount for enabling your pet to live comfortably.
## Kennel cough
Kennel cough is similar to a chest cold in humans where you’ll notice your dog has a persistent dry
cough, potentially with gagging and nasal discharge. Kennel cough is caught from other dogs and is
particularly prevalent in kennels where there is poor ventilation. If you notice any symptoms,
isolate your dog immediately to stop it from spreading and call your vet for further guidance.
## Ear infections
Ear infections are very common in pets with larger and floppy ears and are one of the main causes for
vet visits. Caused by infection or parasites, you’ll notice your pet shaking their head, scratching
their ears and whining. Luckily, most ear infections can be easily treated with some ear drops or
medicine.
## Skin or food allergies
Just like humans, our pets can suffer from allergies. The most common dog allergies include cigarette
smoke, cleaning products and mould spores. These triggers can cause hypersensitivity, itching, dry
skin, inflammation, excessive scratching, bald patches, diarrhoea and vomiting. Depending on the
cause, your vet may prescribe medicines, creams or a change in diet.
## Arthritis
Arthritis can cause chronic pain in pets, with the smooth cartilage that protects the bone wearing
away and rubbing together. Arthritis may occur as a result of injury or through simple lifetime
wear. You’ll notice your pet will be less active and they may limp or have swelling around their
joints. Depending on the level of arthritis, your vet may recommend surgery or prescribe medication.
Identifying the early signs of these common health issues can be life saving, and contacting your vet at
the earliest opportunity can make a significant difference. With M&S Pet
Insurance , you’ll have a pet insurance policy in place to provide the cover your pet needs
should the unexpected happen.
Find out more about pet insurance from M&S Bank
Tell me more
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KIIDOC-2023-02-10-en-00-2023-02-10-GB0005660963
|
# Marks & Spencer UK 100 Companies Fund
managed by Marks and Spencer Unit Trust Management Limited, part of the HSBC Group
. Income is reinvested.
Class:Accumulation
ISIN:GB0005660963
Explanations of definitions used in the Fund objectives and policy in bold, can be found within the
definitions document on our website: www.marksandspencer.com/unittrusts.
cost to the Fund or where there are investment restrictions due
to regulations or the banned weapons policy.
Use of Derivatives
. The Fund may invest in derivatives and use borrowing as part
of efficient portfolio management with a level of risk that is
consistent with the overall risk profile of the Fund.
. The Fund may invest up to 10% of its assets in other funds.
. The anticipated tracking error for the Fund is expected to be up
to 0.10%.
. You may sell your investment by contacting the Manager during
the dealing hours noted in the Prospectus. Your units will be
sold at 8am the following Business Day.
. Recommendation: this Fund may not be appropriate for
investors who plan to withdraw their money within 5 years.
value of the derivative. Unlike exchange traded derivatives, over-
the-counter (OTC) derivatives have credit risk associated with
the counterparty or institution facilitating the trade.
Exchange rate risk Investing in assets denominated in a
currency other than that of the investor’s own currency
perspective exposes the value of the investment to exchange
rate fluctuations.
Index tracking risk The performance of the Fund may not
match the performance of the index it tracks because of stock
selection, fees and expenses, market opening times and
regulatory constraints.
Investment leverage risk Investment Leverage occurs when the
economic exposure is greater than the amount invested, such as
when derivatives are used. A Fund that employs leverage may
experience greater gains and/or losses due to the amplification
effect from a movement in the price of the reference source.
Liquidity risk Liquidity is a measure of how easily an investment
can be converted to cash without a loss of capital and/or income
in the process. The value of assets may be significantly
impacted by liquidity risk during adverse market conditions.
Operational risk The main risks are related to systems and
process failures. Investment processes are overseen by
independent risk functions which are subject to independent
audit and supervised by regulators.
Charges
Past Performance
�F�uFnudn d
One-off charges taken before or after you invest
Entry charge
Exit charge
Charges taken from the Fund over a year
Ongoing charge
�B�eBnecnhcmhamrakr k
30%
20%
10%
0%
-10%
-20%
-30%
18.4
-11.5
17.3
-8.7
11.9
19.1
-1.3
0.7
18.7
16.3
-11.1
17.1
-8.4
10.6
17.1
-0.9
0.0
The charges you pay are used to pay the running costs of the Fund,
including the marketing and distribution costs. These charges reduce
the potential growth of the investment.
0.00%
0.00%
This is the maximum that might be taken out of your money before it
is invested or before the proceeds of your investment are paid out.
0.51%
Charges taken from the Fund under certain specific conditions
Performance fee
None
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
4.7
4.8
. There is no entry charge.
. There is no exit charge for withdrawing your investment.
. The ongoing charge figure is based on last year’s expenses for the
year ending 31/08/2022. Charges may vary from year to year.
Further information on charges can be found in the Prospectus.
Practical Information
16.5
Depositary
State Street Trustees Limited, Quartermile 3, 10 Nightingale Way,
Edinburgh EH3 9EG.
Further information
Further information about the Fund including the latest Prospectus,
published unit prices, and the annual and half-yearly reports are
available free of charge in English. To obtain these please contact the
Manager, Marks and Spencer Unit Trust Management Limited, by
visiting www.marksandspencer.com/unittrusts, calling us on 0808 005
5555 or by writing to M&S Savings and Investments team, M&S Bank,
PO Box 10581, 51 Saffron Road, Wigston LE18 4US.
Unit Classes
Income and Accumulation Units are available, as detailed in the
Prospectus.
Remuneration Policy
The remuneration policy of the Manager, which describes how
remuneration and benefits are determined and awarded, is available
at https://bank.marksandspencer.com/remuneration-policy or on
request, free of charge, from the Manager.
. Past performance is not a guide to future performance; the value of
your investment and any income from it can go down as well as up.
. Performance returns are based on the Fund value with income
reinvested. Past performance takes account of all ongoing charges
but not entry and exit charges.
. The past performance of this Fund is calculated in pounds sterling.
. The performance of the Fund is shown against the performance of
the FTSE 100 Index.
. The Fund was launched and first priced on 01 May 1995.
Tax
UK tax legislation that applies to the Fund may have an impact on your
personal tax position.
Management Company
The Manager, Marks and Spencer Unit Trust Management Limited, may
be held liable solely on the basis of any statement contained in this
document that is misleading, inaccurate or inconsistent with the relevant
parts of the Prospectus for the Fund.
The Fund and Marks and Spencer Unit Trust Management Limited are authorised in the United Kingdom and regulated by the Financial Conduct
Authority.
This key investor information is accurate as at 10 February 2023.
UK100/ACC/KIID/0223
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End of preview. Expand
in Data Studio
Dataset Card for "bank en websites - 2401"
Dataset extracted from public websites by wordslab-webscraper in 2401:
- domain: bank
- language: en
- license: Apache 2.0
Dataset Sources
wordslab-webscraper follows the industry best practices for polite web scraping:
- clearly identifies itself as a known text indexing bot: "bingbot"
- doesn't try to hide the user IP address behind proxies
- doesn't try to circumvent bots protection solutions
- waits for a minimum delay between two pages to avoid generating too much load
- respects the website "robots.txt" indexing directives
- respects the web page Meta Robots HTML tag
- respects the web page X-Robots-Tag HTTP header
- respects the web page links rel=nofollow HTML attributes
The text data was extracted from the following websites:
| Website | HTML pages | PDF docs | Words |
|---|---|---|---|
| bank.marksandspencer.com | 464 | 152 | 795115 |
| bankunderground.co.uk | 754 | 6 | 1032786 |
| country.db.com | 591 | 206 | 2200174 |
| home.barclays | 0 | 572 | 11138629 |
| monzo.com | 490 | 37 | 696247 |
| oaknorth.co.uk | 328 | 27 | 392580 |
| secure.cbonline.co.uk | 95 | 0 | 41475 |
| secure.ybonline.co.uk | 56 | 0 | 28347 |
| uk.virginmoney.com | 248 | 12 | 277413 |
| www.atombank.co.uk | 301 | 20 | 603022 |
| www.bankofchina.com | 128 | 0 | 45205 |
| www.bankofengland.co.uk | 2426 | 407 | 10425072 |
| www.bankofirelanduk.com | 146 | 21 | 167325 |
| www.bankofscotland.co.uk | 278 | 1 | 15612 |
| www.british-business-bank.co.uk | 818 | 160 | 3267673 |
| www.citizensadvice.org.uk | 498 | 0 | 493400 |
| www.co-operativebank.co.uk | 837 | 490 | 3167940 |
| www.ebrd.com | 856 | 296 | 3114587 |
| www.fbnbank.co.uk | 29 | 26 | 85006 |
| www.firstdirect.com | 295 | 69 | 414668 |
| www.handelsbanken.co.uk | 274 | 0 | 160679 |
| www.hsbc.co.uk | 692 | 329 | 1210411 |
| www.icicibank.co.uk | 57 | 5 | 26792 |
| www.independent.co.uk | 1805 | 0 | 1382990 |
| www.ing.com | 734 | 0 | 4258827 |
| www.metrobankonline.co.uk | 375 | 171 | 1170969 |
| www.nationwide.co.uk | 1005 | 0 | 1359231 |
| www.natwest.com | 821 | 0 | 504462 |
| www.natwestgroup.com | 786 | 0 | 360711 |
| www.postoffice.co.uk | 443 | 0 | 501681 |
| www.rbs.co.uk | 365 | 0 | 229303 |
| www.sainsburysbank.co.uk | 262 | 23 | 320889 |
| www.santander.co.uk | 374 | 535 | 2591121 |
| www.sc.com | 668 | 1 | 514744 |
| www.shawbrook.co.uk | 727 | 105 | 1794105 |
| www.smile.co.uk | 196 | 38 | 233060 |
| www.starlingbank.com | 516 | 60 | 780370 |
| www.tandem.co.uk | 90 | 0 | 57046 |
| www.tescobank.com | 411 | 0 | 345395 |
| www.ukib.org.uk | 76 | 25 | 166834 |
| www.ulsterbank.co.uk | 125 | 0 | 74097 |
| www.which.co.uk | 1109 | 0 | 1049233 |
| www.worldbank.org | 242 | 0 | 110006 |
Uses
WARNING
- the text included in this dataset belongs to its original authors and is protected by copyright laws
- you are not allowed to use this dataset for anything else than training a large language model
- when using a large language model trained on this dataset, you will need to ensure that you comply with the law
- if you benefit from this large language model, you should try to share the value with the original text authors
wordslab-webscraper uses an advanced Html to text conversion algorithm optimized for long context language modeling:
- tries to recover the logical structure of the document from the Html or PDF layout
- preserves document / section / list / table grouping and nesting information
- deduplicates text at the website level while preserving the document structure
Each example in this dataset is a markdown text conversion of a full HTML page or PDF document:
- the document structure is preserved by markdown syntax: headers, lists, tables, paragraphs
- all duplicate paragraphs are removed
Dataset Structure
The dataset is divided in 3 splits:
- train: 80% of the data
- valid: 10% of the data
- test: 10% of the data
wordslab-webscraper generates one parquet file per website and per split.
The parquet files are named with the following pattern:
- bank_en_2401_[split]_[website].parquet
Note than you can load individual splits or websites with HuggingFace datasets using the following commands:
from datasets import load_dataset
# Load a single plit
dataset = load_dataset("namespace/bank-en-2401", split="train")
# Load a single website
data_files = { "train": "bank_en_2401_train_[website].parquet", "valid": "bank_en_2401_valid_[website].parquet", "test": "bank_en_2401_test_[website].parquet" }
dataset = load_dataset("namespace/bank-en-2401", data_files=data_files)
Each example in the dataset contains the text of a full web page or PDF document, with the following features:
- Uri: string
- ExtractedFromPDF: bool
- Timestamp: string
- Lang: string
- Title: string
- Text: string
- Words: int32
- AvgWordsLength: int32
- Chars: int32
- LetterChars: int32
- NumberChars: int32
- OtherChars: int32
Note that beause each example is a full page or document, the "Text" feature can be a pretty long string containing thousands of words (as measured by the "Words" feature): you will typically need to chunk it down to the context size of your large language model before using it.
Bias, Risks, and Limitations
This dataset is a direct extraction from the source websites.
It was not manually curated to remove misleading, offensive, or harmful content.
Please add a filtering step before using it to train a large language model if the source websites can't be trusted.
Dataset Card Contact
Please add a comment in the community section of this repository if you want the maintainer to add or remove websites from this dataset.
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