I started use this bank account to activate a credit card. Firstly after you register you try to log on on a mobile website... showing you your login with *** Under ask you about security code from M&S app, a lot of hassle with that, like in none other bank what I ever use. You have to be careful when you log in with a security cod because, when you click to type code, Google show you straight away your password to accept. One you click it you are blocked and you have to ring them. Even if I order credit card to make a transfer I can't make any transfer to another account and credit card, there is no opinion. I tried to transfer balance from M&S card in another bank credit card options, but M&S not allowed to do it. Be careful with balance transfer because it is just to transfer TO your M&S credit card, and no other options to reverse. Credit card suppose for transfer and purchases you can use just for purchases.