Important information

You can check these details by visiting the Financial Conduct Authority website www.fca.org.uk/ or by contacting the Financial Conduct Authority on 0800 111 6768.

If we do not give the standard of service you expect, or if you think we have made a mistake, please let us know so we can investigate, put matters right and take steps to prevent it happening again.

If you are not happy with the way that we deal with your complaint, you may be able to refer your complaint to the Financial Ombudsman Service by writing to Financial Ombudsman Service, Exchange Tower, London E14 9SR, calling 0800 023 4567 or 0300 123 9123 or sending an email to complaint.info@financial-ombudsman.org.uk. You can find out more about the Financial Ombudsman service on their website at www.financial-ombudsman.co.uk. Alternatively, you may also lodge your complaint with the EU Online Dispute Resolution platform which is available at ec.europa.eu/consumers/odr.

Your eligible deposits with HSBC UK Bank plc are protected up to a total of £120,000, or up to £240,000 for joint accounts, by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

This limit is applied to the total of any deposits you have with the following: HSBC UK, HSBC Private Bank, first direct, M&S Bank and M&S Savings and Investments. Any total deposits you hold above the limit between these brands are unlikely to be covered. 

The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors are covered by the scheme. In respect of deposits, an eligible depositor is entitled to claim up to the current FSCS limit for deposits. 

The FSCS also cover a wide range of other financial products and services such as investments, pensions, financial advice, insurance broking, mortgage advice and arranging. Different compensation limits and eligibility requirements will apply.

For further information about the scheme (including the current limits, amounts covered and eligibility to claim) please refer to the FSCS website www.FSCS.org.uk, call the FSCS on  0207 741 4100 or 0800 678 1100.

This App is designed for use in the United Kingdom (UK).

The products and services described in this App are intended for UK customers.

This App is provided by M&S Bank for the use of existing customers of M&S Bank. Please do not download this App if you are not an existing customer of M&S Bank.

M&S Bank is authorised in the UK by the Prudential Regulation Authority (PRA) and regulated in the UK by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA).

If you are outside the UK, we may not be authorised to offer or provide you with the products and services available through this App in the country or region where you are located or resident.

This App is not intended for distribution, download or use by any person in any jurisdiction, country or region where the distribution, download or use of this material is restricted and would not be permitted by law or regulation.

If you have any queries in relation to the App Terms and Conditions or Privacy Policy, please contact our helpdesk on 0345 900 0900 ^† or visit www.marksandspencer.com/bank where further information is available.

Copyright in the pages, screens, information, and all material in their arrangement, included in the App is owned by or licensed to us or the HSBC Group unless otherwise noted.

† Textphone 0345 300 1815 or if calling from abroad +44 (0)1244 879080. Because we want to make sure we're doing a good job calls may be monitored and/or recorded, we hope you don't mind.