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US citizens in the UK · Institutions

Which M&S Bank accounts accept US citizens

Last checked

M&S Bank offers a credit card to a US person.

If you already have an account with M&S Bank, a second one there is usually the easier application, because M&S Bank has already checked who you are. Each account below carries its verdict, the evidence behind it and the date it was last updated.

At a glance

Account type Verdict Accounts Updated
Credit cards Accepts US citizens 3

Credit cards

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Accepts US citizens
Updated

Still on sale, with HSBC as the lender behind the M&S name: the card pages say credit is provided by HSBC UK Bank plc trading as M&S Bank, and M&S plc acts as a credit broker. The published bar is being 18 or over, resident in the UK, an income or pension of at least £6,800, a free Sparks membership, a credit register and credit scoring search, no M&S card in the previous 12 months and no decline in the last 30 days, with no citizenship test anywhere in it. M&S Bank's own tax page names FATCA as the law requiring it to identify US persons and report them on citizenship, which is a customer it reports rather than one it turns away.

HSBC UK Bank, trading as M&S Bank

Account Terms The catch
M&S Rewards Credit Card
Representative APR
23.9% APR representative
Card fee
Free
Abroad
2.99%, minimum £3
Rate as of
 Needs an income or pension of at least £6,800, a Sparks (M&S loyalty) membership, which is free to join, and not to have held an M&S Credit Card in the past 12 months. 0% interest on shopping for 9 months and on balance transfers for 9 months (3.49% fee, minimum £5) from account opening.
Purchase Plus
Representative APR
24.9% APR representative
Card fee
Free
Abroad
2.99%, minimum £3
Rate as of
 No interest on purchases for up to 26 months, and 0% on balance transfers for 6 months (3.49% fee, minimum £5) from account opening. Needs an income or pension of at least £6,800 and a Sparks (M&S loyalty) membership, which is free to join.
M&S Credit Card Transfer Plus
Representative APR
24.9% APR representative
Card fee
Free
Abroad
Not stated on the card page.
Rate as of
 0% on balance transfers for up to 30 months (3.49% fee, minimum £5) and on shopping for 3 months, both from account opening. Needs an income or pension of at least £6,800 and a Sparks (M&S loyalty) membership, which is free to join. Earns 1 Rewards point per £5 spent at M&S and elsewhere, converted into M&S vouchers.

Source: M&S Rewards Credit Card, who can apply, and M&S Bank's Common Reporting Standard page, 2026-09-12 M&S Bank's own page

Account names link to the provider's own site. No link on this page is paid. How Momo makes money. Every institution, A to Z.

Confirm your own position with a cross-border specialist. Acceptance policies and tax rules change, and your facts may differ from the general case. Rates and terms here are the provider's published figures rather than an offer, and the provider decides each application on its own criteria. Use this as a map, not a ruling. Last checked .
Tax

FATCA

Do UK banks report your account to the IRS? Yes, through HMRC, under FATCA. It is a reporting law, not a tax. Where it bites is access.